Stocks · Financial Services · Banks - Regional
Capital Bancorp, Inc. CBNK
$40.02 -1.06% Close, Oct 5, 2026 · NASDAQ · Market cap $658.9M
Strong trend
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 97 trading days, with the 50-day average above the 200-day.
- The shares trade at 11.8× trailing earnings, higher than 81% of the company's own readings over the past five years.
- Diluted EPS over the last four quarters was $3.40, up 27.3% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth50Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 39%
- EPS growth (TTM, YoY)Top 40%
- FCF growth (TTM, YoY)Top 28%
- Revenue growth, 3-year CAGRTop 34%
- Revenue growth accelerationBottom 16%
Quality49Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 41%
- Gross marginTop 28%
- Operating marginBottom 35%
- Cash conversion (OCF / net income)Top 46%
- Accruals (lower is better)Top 50%
- Net debt / EBITDA (lower is better)Top 41%
- Interest coverBottom 36%
Value63Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 31%
- Free-cash-flow yieldTop 37%
- EBITDA / enterprise valueTop 46%
- Sales / enterprise valueTop 32%
- P/E vs own 5-year history (lower is better)Bottom 24%
Momentum94Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 37%
- 6-month returnTop 8%
- 1-year return vs S&P 500Top 19%
- Distance from 52-week highTop 9%
- Trend checklist (0–4)Top 10%
Revisions34Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 26%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 20%
Stability50Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 32%
- Maximum drawdown, 3 yearsTop 38%
- Beta vs S&P 500 (lower is better)Bottom 46%
- Net debt / EBITDA (lower is better)Top 41%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 14.0% | 3.6% | ↓ |
| EPS growth (YoY) | 33.5% | 27.3% | ↓ |
| Gross margin | 70.5% | 73.5% | ↑ |
| Operating margin | 20.4% | 15.8% | ↓ |
| FCF margin | 14.8% | 22.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.6% | 14.0% | ↓ | Bottom 39% |
| EPS growth (TTM, YoY) | 27.3% | 33.5% | ↓ | Top 40% |
| Gross margin | 73.5% | 70.5% | ↑ | Top 28% |
| Operating margin | 15.8% | 20.4% | ↓ | Bottom 35% |
| Net margin | 19.3% | 15.3% | ↑ | — |
| Free-cash-flow margin | 22.3% | 14.8% | ↑ | — |
| Return on invested capital | 0.9% | — | Bottom 41% | |
| Revenue growth, 3-year CAGR | 19.0% | — | Top 34% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.21×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +24.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.56×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.20%
- Net buyback yield (TTM)
- 1.53%
- Shareholder yield
- 2.72%
- Share count change, 1 year
- -2.6%
- Share count change, 3-year CAGR
- +5.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -0.7%
- Average 2-day reaction, last 8
- +1.4%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $42.00
- Target vs current price
- +4.9%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +5.6% | +0.5% | +3.3% | +1.1% | — |
| Apr 27, 2026 | -5.8% | +1.4% | +0.8% | +0.3% | +13.0% |
| Jan 26, 2026 | +15.5% | +0.1% | +4.6% | +1.2% | +7.6% |
| Oct 27, 2025 | -18.2% | -1.6% | -6.5% | -7.5% | +2.9% |
| Jul 28, 2025 | -4.5% | +0.4% | -9.7% | +0.7% | -13.1% |
| Apr 28, 2025 | +31.3% | +0.6% | +11.7% | +14.0% | +26.0% |
| Jan 28, 2025 | +39.4% | +4.4% | +4.5% | +4.1% | -4.3% |
| Oct 28, 2024 | -2.9% | +5.4% | +6.3% | +18.4% | +20.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.87 | $0.82 | +5.6% | $65.3M |
| Apr 27, 2026 | $0.73 | $0.78 | -5.8% | $62.8M |
| Jan 26, 2026 | $0.91 | $0.79 | +15.5% | $62.7M |
| Oct 27, 2025 | $0.72 | $0.88 | -18.2% | $62.0M |
| Jul 28, 2025 | $0.85 | $0.89 | -4.5% | $59.8M |
| Apr 28, 2025 | $0.88 | $0.67 | +31.3% | $58.6M |
| Jan 28, 2025 | $0.92 | $0.66 | +39.4% | $58.9M |
| Oct 28, 2024 | $0.66 | $0.68 | -2.9% | $45.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.8× | 8.7× | 81th | Top 31% |
| P/E (forward) | 11.5× | — | — | — |
| EV / EBITDA | 14.0× | — | — | Top 46% |
| EV / Sales | 2.34× | — | — | Top 32% |
| Free-cash-flow yield | 9.90% | — | — | Top 37% |
| Earnings yield | 8.50% | — | — | Top 31% |
P/E over the past five years
Range 5.6× – 13.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +31.6%
- Earnings per share growth (TTM)
- +27.3%
- Change in P/E multiple
- -5.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 4
- Days above the 200-day average
- 97
- 50-day average slope (20 days)
- +1.5%
- 200-day average slope (20 days)
- +2.7%
- Distance from 50-day average
- +8.2%
- Distance from 200-day average
- +22.1%
- RSI (14)
- 72.1
- Relative volume
- 1.98×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 26.8%
- Volatility vs own 5-year history
- 53th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.73
- Correlation with S&P 500
- 0.39
- Current drawdown from 1-year high
- -1.1%
- Maximum drawdown, 3 years
- -25.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 24, 2021 | May 8, 2023 | -44.0% | 363 days | 378 days (Nov 6, 2024) |
| Jul 14, 2025 | Nov 19, 2025 | -25.4% | 91 days | 152 days (Jul 1, 2026) |
| Jun 7, 2021 | Jul 8, 2021 | -21.9% | 22 days | 62 days (Oct 5, 2021) |
| Feb 19, 2025 | Apr 4, 2025 | -19.3% | 32 days | 23 days (May 8, 2025) |
| Dec 11, 2024 | Jan 10, 2025 | -13.2% | 19 days | 11 days (Jan 28, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $658.9M
- P/E (TTM)
- 11.8
- EPS, diluted (TTM)
- $3.40
- Revenue (TTM)
- $292.7M
- Dividend yield
- 1.25%
- 52-week range
- $26.40 – $40.70
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $173.9M | $180.0M | $206.5M | $242.3M | $303.6M |
| Gross profit | $164.0M | $163.3M | $155.4M | $165.6M | $223.6M |
| Operating income | $53.9M | $54.2M | $46.2M | $41.8M | $70.6M |
| Net income | $40.0M | $41.8M | $35.9M | $31.0M | $57.2M |
| EPS (diluted) | $2.84 | $2.91 | $2.55 | $2.12 | $3.40 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $59.2M | $71.2M | $75.3M | $76.7M | $74.8M | $79.9M | $68.0M | $70.0M |
| Net income | $8.7M | $7.5M | $13.9M | $13.1M | $15.1M | $15.0M | $12.0M | $14.3M |
| EPS (diluted) | $0.62 | $0.45 | $0.82 | $0.78 | $0.89 | $0.91 | $0.73 | $0.87 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $132.1M | $51.4M | $47.4M | $34.9M | $69.7M |
| Capital expenditure | -$24,000 | -$1.6M | -$2.2M | -$2.2M | -$2.4M |
| Free cash flow | $132.1M | $49.8M | $45.3M | $32.8M | $67.3M |
| Dividends paid | -$1.4M | -$3.1M | -$3.9M | -$5.3M | -$7.3M |
| Net share buybacks | $967,000 | $0 | -$8.8M | -$1.4M | -$10.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $244.7M
- Total assets
- $3.89B
- Total liabilities
- $3.47B
- Total debt
- $52.1M
- Net debt
- $27.3M
- Shareholders’ equity
- $422.2M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 10, 2026 | $0.14 | Aug 26, 2026 |
| May 11, 2026 | $0.12 | May 27, 2026 |
| Feb 9, 2026 | $0.12 | Feb 25, 2026 |
| Nov 10, 2025 | $0.12 | Nov 26, 2025 |
| Aug 11, 2025 | $0.12 | Aug 27, 2025 |
| May 12, 2025 | $0.10 | May 28, 2025 |
| Feb 10, 2025 | $0.10 | Feb 26, 2025 |
| Nov 4, 2024 | $0.10 | Nov 20, 2024 |
Short interest
- Shares sold short
- 698,642
- Days to cover
- 16.88
- Change vs previous report
- +2.4%
FINRA short interest, settlement date Sep 15, 2026.