Is Capital Bancorp, Inc. (CBNK) Overvalued?
We dive into why Capital Bancorp, Inc. (CBNK) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
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COMPANY SUMMARY
Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A., provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through four divisions: Commercial Banking, Capital Bank Home Loans, OpenSky, Windsor Advantage. The company offers a range of deposit products, including checking and savings, time, interest bearing and noninterest-bearing demand, and money market accounts, as well as certificates of deposit; and secured, partially secured, and unsecured credit cards. It also originates residential mortgages; issues trust preferred securities; and provides residential and commercial real estate, construction, and commercial and industrial loans; servicing, processing, and packaging of Small Business Administration and U.S. Department of Agriculture loans; as well as other consumer loans, such as term loans, car loans, and boat loans to small to medium-sized businesses, professionals, real estate investors, small residential builders and individuals, and financial institution clients, including Capital Bank. Capital Bancorp, Inc. was founded in 1974 and is headquartered in Rockville, Maryland.
Commentary & Analysis
What You Need to Know About Capital Bancorp, Inc.'s Q3 Earnings
Capital Bancorp, Inc.'s fiscal Q3 earnings report was released on Monday, July 27. Let's dive in to see if (CBNK) missed or beat analyst's expectations.Michael Rose
What You Need to Know About Capital Bancorp, Inc.'s Q2 Earnings
Capital Bancorp, Inc.'s fiscal Q2 earnings report was released on Monday, April 27. Let's dive in to see if (CBNK) missed or beat analyst's expectations.Michael Rose
Why Capital Bancorp, Inc.’s (CBNK) Stock Is Down 6.63%
As of Wednesday, February 18, Capital Bancorp, Inc.’s CBNK share price has dipped by 6.63%, which has investors questioning if this is right time to buy.Jenna Brashear
What You Need to Know About Capital Bancorp, Inc.'s Q4 Earnings
Capital Bancorp, Inc.'s fiscal Q4 earnings report was released on Monday, October 27. Let's dive in to see if (CBNK) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | CBNK | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $595.1 | $745.4 | 38% |
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| Shares Out (Mil) | 16.4 | 15.3 | 27% |
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| Institutional Ownership | 58.7% | 83.2% | 38% |
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| Float (Mil) | 10.7 | 21.8 | 20% |
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| Beta | 0.52 | 0.42 | 30% |
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| Avg Daily Volume (000s) | 48 | 45 | 28% |
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| Price Change (52-week) |
11.9% | 94.6% | 55% |
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| Growth | CBNK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 13.3% | 7.7% | 69% |
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| Net Income (5yr) | 17.3% | 11.1% | 68% |
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| EPS (5yr) | 12.8% | 10.1% | 52 |
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| Dividends (5yr) | 0.0% | 3.6% | 69% |
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| Cash Flow (5yr) | 5.4% | (17.1%) | 67% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $0.905 | $3.463 | $3.828 | |
| Month Ago EPS | $0.907 | $3.413 | $3.713 | |
| # Rev Up | 2 | 2 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.900 | $3.420 | $3.738 | |
| Year/Year Chg | 4.0% | 1.6% | na | |
| Financials | CBNK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $238 | $196 | 33% |
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| Net Income (TTM) (Mil) | $56 | $55 | 56% |
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| EPS (TTM) | $3.431 | $2.600 | 80% |
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| Operating Cash Flow (TTM) (Mil) | $68 | $35 | 49% |
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| Net Cash Flow (TTM) (Mil) | $144 | $2 | 81% |
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| Long-Term Debt (Q1) (Mil) | $8 | $100 | 27% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CBNK | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.41 | 1.25 | 36% |
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| P/E | 10.7 | 12.4 | 19% |
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| Dividend Yield | 1.5% | 2.2% | 72% |
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| PEG (5yr hist) | 0.8 | 1.1 | 39% |
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| Ratios | CBNK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 23.7% | 29.1% | 82% |
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| ROA | 1.5% | 1.1% | 52% |
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| ROE | 14.1% | 11.3% | 69% |
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| Liabilities to Assets | 89.1% | 89.7% | 84% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
| Performance Since Inception: | 13.2% |
| +/- S&P 500: | +5.7 |
FACTOR STRATEGY
P/E Relative Screen
Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market.
| Performance Since Inception: | 13.7% |
| +/- S&P 500: | +6.2 |
