CBNK · Capital Bancorp Inc
$36.26
-0.40 (-1.09%)
At close · Aug 21
Market Cap
$597.21M
Shares
16.29M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$36.66
Open$36.14
Day$36.01–36.85
52W close$26.61–37.94
Avg vol 30d55K
Short int654K · 4.0% float · 11.1d
Short vol59%
Last earningsApr 27, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+2%
above
RSI (14)
49
neutral
MACD trend
Negative
52-week position
89%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+25%
trailing
YTD return
+30%
this year
Relative strength
+13%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $36 › 200d $31 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +19 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
4.02% of float · ▲ +0.2% MoM · 11.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
126 holders — near 3-yr high, broad support
Squeeze score
64
elevated · 0–100
Fundamentals
EPS growth
+61%
Y/Y
Free cash flow
$68.0M
Valuation
P/E 10.8
below peers
Buyback
$12.4M
remaining
Balance sheet
$34.7M
net cash
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−24%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
49
Neutral
MACD trend
Negative
Bearish
52-week position
89%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $36 › 200d $31 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +19 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
4.02% of float · ▲ +0.2% MoM · 11.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
126 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $27
Now $37 · 89%
Range high $38
vs 200-day avg +17%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Gain on sale margin | 2.71% | the three months ended June 30, 2026 filing | — |
| Net interest spread | 4.64% | the three months ended June 30, 2026 filing | — |
| ACL Coverage Ratio | 1.76% | 2Q26 | — |
| Average OpenSky credit card loan balances, net of reserves and deferred fees | $137.1M | 2Q 2026 | — |
| Average portfolio loans-to-deposit ratio | 94.3% | 2Q26 | — |
| Average price per share repurchased | $30.03 | 2Q 2026 | — |
| Average yield on interest earning assets | 7.75% | 2Q 2026 | — |
| Book value per common share | $25.92 | 2Q 2026 | — |
| C&I loans, plus owner-occupied CRE loans (% of total portfolio loans) | 37.4% | 2Q26 | — |
| Capital Bank Home Loans gain on sale percentage | 2.71% | 2Q 2026 | — |
| Capital Bank Home Loans originations | $106.9M | 2Q 2026 | — |
| Commercial Bank Allowance for Credit Losses to Commercial Bank Portfolio Loans non-GAAP | 1.55% | Q2 2026 | — |
| Commercial Bank nonaccrual loans | $57M | 2Q 2026 | — |
| Common Equity Tier-1 capital ratio | 13.14% | As of June 30, 2026 | — |
| Core earnings per share - Diluted non-GAAP | $1.6 | Six Months Ended June 30, 2026 | — |
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| Core Efficiency Ratio non-GAAP | 67.8% | Six Months Ended June 30, 2026 | — |
| Core Loan Yield non-GAAP | 6.85% | Six Months Ended June 30, 2026 | — |
| Core Net Income non-GAAP | 26.27M | Six Months Ended June 30, 2026 | — |
| Core Net Interest Margin non-GAAP | 4.09% | Six Months Ended June 30, 2026 | — |
| Core NIM non-GAAP | 4.04% | 2Q 2026 | — |
| Core Portfolio Loans Receivable Yield non-GAAP | 6.85% | Six Months Ended June 30, 2026 | — |
| Core PPNR non-GAAP | $41.19M | Six Months Ended June 30, 2026 | — |
| Core Return on Average Assets non-GAAP | 1.43% | Six Months Ended June 30, 2026 | — |
| Core return on average assets (annualized) non-GAAP | 1.43% | Six Months Ended June 30, 2026 | — |
| Core Return on Average Equity non-GAAP | 13.8% | June 30, 2026 | — |
| Core return on average equity (annualized) non-GAAP | 12.93% | Six Months Ended June 30, 2026 | — |
| Core Return on Average Tangible Common Equity non-GAAP | 14.57% | Six Months Ended June 30, 2026 | — |
| Core ROTCE non-GAAP | 15.51% | 2Q26 | — |
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| Customer Deposit Growth (annualized) | 20.3% | Q2 2026 | — |
| Efficiency Ratio | 67.8% | Six Months Ended June 30, 2026 | — |
| Fee Revenue | $14.4M | 2Q26 | — |
| Fee revenue mix | 22% | 2Q26 | — |
| Gain on sale as a % of loans sold | 2.71% | June 30, 2026 | — |
| Insured and protected deposits | $2.2B | 2Q 2026 | — |
| Insured and protected deposits (% of deposit portfolio) | 66.6% | As of June 30, 2026 | — |
| Investment securities effective duration | 2.5 | 2Q 2026 | — |
| Investment securities fair market value | $219.9M | 2Q 2026 | — |
| Loan Growth (annualized) | 7.9% | Q2 2026 | — |
| Low interest and noninterest-bearing DDA deposits | $1.3B | 2Q 2026 | — |
| Low interest and noninterest-bearing DDA deposits (% of deposits) | 38.9% | 2Q26 | — |
| Net Charge-offs to Average Portfolio Loans | 0.5% | Q2 2026 | — |
| Net Charge-Offs to Average Portfolio Loans, Annualized | 0.45% | Six Months Ended June 30, 2026 | — |
| Net Interest Margin (NIM) | 5.64% | 2Q 2026 | — |
| NIM (Excluding Card) | 4.04% | 2Q26 | — |
| NIM (Including Card) | 5.64% | 2Q26 | — |
| Noninterest secured credit card deposits | 166.17M | June 30, 2026 | — |
| Nonperforming assets | $60.8M | 2Q 2026 | — |
| Nonperforming assets as % of total assets | 1.56% | 2Q 2026 | — |
| Nonperforming Loans to Total Portfolio Loans | 1.85% | Q2 2026 | — |
| Open customer accounts | 588,594 | June 30, 2026 | — |
| OpenSky credit card accounts | 588.6K | 2Q 2026 | — |
| OpenSky deposit balances | $166.2M | 2Q 2026 | — |
| OpenSky gross secured loan balances | $96M | 2Q 2026 | — |
| OpenSky gross unsecured loan balances | $51.2M | 2Q 2026 | — |
| OpenSky secured and unsecured loan balances | $145.3M | 2Q 2026 | — |
| Pre-tax, Pre-Provision Net Revenue ("PPNR") non-GAAP | 41.19M | Six Months Ended June 30, 2026 | — |
| Remaining repurchase authorization | $12.4M | 2Q 2026 | — |
| Return on Average Assets | 1.43% | Six Months Ended June 30, 2026 | — |
| Return on Average Equity | 12.93% | Six Months Ended June 30, 2026 | — |
| Return on Average Tangible Common Equity | 14.57% | Six Months Ended June 30, 2026 | — |
| ROA | 1.52% | 2Q 2026 | — |
| ROE | 13.8% | 2Q 2026 | — |
| ROTCE | 15.51% | 2Q26 | — |
| Secured credit card loans, gross | 96.03M | June 30, 2026 | — |
| Shares repurchased and retired | 1,213 | 2Q26 | — |
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| Special mention loans | $61.5M | 2Q 2026 | — |
| Substandard loans | $70.6M | 2Q 2026 | — |
| Tangible Book Value per share non-GAAP | $23.45 | 2Q26 | — |
| Tangible common equity non-GAAP | $381.99M | June 30, 2026 | — |
| Tier 1 leverage ratio | 10.59% | As of June 30, 2026 | — |
| Tier-1 risk based capital ratio | 13.21% | June 30, 2026 | — |
| Total cost of deposits | 2.29% | 2Q 2026 | — |
| Total cost of interest-bearing deposits | 3.09% | 2Q 2026 | — |
| Total deposits | $3.4B | 2Q 2026 | — |
| Total liquidity | $1.2B | 2Q 2026 | — |
| Unsecured credit card loans, gross | 51.23M | June 30, 2026 | — |
| Windsor government guaranteed loan closings | $223.6M | 2Q 2026 | — |
| Windsor gross government loan servicing revenue | $6.6M | 2Q 2026 | +40.5% |
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| Windsor total servicing portfolio | $3.4B | 2Q 2026 | — |
| Cash Dividend declared per share | $0.12 | Q1 2026 | — |
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| Commercial Bank ACL Coverage Ratio non-GAAP | 1.65% | December 31, 2025 | — |
| Commercial Bank NIM non-GAAP | 4.18% | 4Q 2025 | — |
| Core ROA non-GAAP | 1.71% | 4Q 2025 | — |
| Core ROE non-GAAP | 15.23% | 4Q 2025 | — |
| Return on average tangible common equity (ROTCE) non-GAAP | 17.23% | 4Q 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CBNK
this stock
Capital Bancorp Inc
|
$597.21M | +30.1% | — | 10.8 | 4.0% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CBNK | -3.1% | +2.9% | +24.7% | -1.8% | +30.1% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.2% | -0.4% | +13.5% | -3.9% | +18.3% |
Capital returns
Latest dividend
$0.14
/ share · ex Aug 10, 2026
Paid (TTM)
$0.50
/ share · 4 payouts
Dividend yield (TTM, derived)
1.36%
Buyback program
· as of Jun 30, 2026
Authorized
$15.00M
Spent (derived)
$2.60M
Remaining
$12.40M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1419536
CUSIP
139737100
13F (30d)
117 filings
117 filers
Visit website
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