Growth & profitability
- Free cash flow has declined 20.4% per year over the past 5 years.
Shareholder returns
- Dividends have been paid for 5 consecutive years, consuming 12.8% of earnings.
CBNK Financials Capital Bancorp Inc
9 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $57M | — | — | 14.2% | 1.6% | — | — | $256M |
| 2024 | — | $31M | — | — | 8.7% | 1.0% | — | — | $205M |
| 2023 | — | $36M | — | — | 14.1% | 1.6% | — | — | $54M |
| 2022 | — | $42M | — | — | 18.7% | 2.0% | — | — | $80M |
| 2021 | — | $40M | — | — | 20.2% | 1.9% | — | — | $183M |
| 2020 | — | $26M | — | — | 16.2% | 1.4% | — | — | $147M |
| 2019 | — | $17M | — | — | 12.7% | 1.2% | — | — | $115M |
| 2018 | — | $13M | — | — | 11.1% | 1.2% | $27M | — | $35M |
| 2017 | — | $7M | — | — | 8.9% | 0.7% | $33M | — | $52M |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Mar '26 | — | $12M | — | — | 2.9% | 0.3% | — | — | $399M |
| Dec '25 | — | $15M | — | — | 3.7% | 0.4% | — | — | $256M |
| Sep '25 | — | $15M | — | — | 3.8% | 0.4% | — | — | $189M |
| Jun '25 | — | $13M | — | — | 3.5% | 0.4% | — | — | $275M |
| Mar '25 | — | $14M | — | — | 3.8% | 0.4% | — | — | $294M |
| Dec '24 | — | $8M | — | — | 2.1% | 0.2% | — | — | $205M |
| Sep '24 | — | $9M | — | — | 3.1% | 0.3% | — | — | $157M |
| Jun '24 | — | $8M | — | — | 3.1% | 0.3% | — | — | $137M |
| Mar '24 | — | $7M | — | — | 2.5% | 0.3% | — | — | $85M |
| Dec '23 | — | $9M | — | — | 3.5% | 0.4% | — | — | $54M |
| Sep '23 | — | $10M | — | — | 4.0% | 0.4% | — | — | $146M |
| Jun '23 | — | $7M | — | — | 3.1% | 0.3% | — | — | $119M |
| Mar '23 | — | $10M | — | — | 4.2% | 0.4% | — | — | $140M |
| Dec '22 | — | $9M | — | — | 4.0% | 0.4% | — | — | $80M |
| Sep '22 | — | $11M | — | — | 5.2% | 0.6% | — | — | $37M |
| Jun '22 | — | $12M | — | — | 5.6% | 0.5% | — | — | $251M |
| Mar '22 | — | $10M | — | — | 5.1% | 0.5% | — | — | $314M |
| Dec '21 | — | $10M | — | — | 5.1% | 0.5% | — | — | $183M |
| Sep '21 | — | $11M | — | — | 5.9% | 0.5% | — | — | $324M |
| Jun '21 | — | $10M | — | — | 5.4% | 0.4% | — | — | $309M |
Valuation over time
How the market has priced CBNK against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 6.5× (Mar '23) to 10.4× (Sep '26).
- The dividend yield has risen from 1.1% (Mar '23) to 1.2% (Sep '26).
P/E
Dividend yield %
Frequently asked questions
Is CBNK growing its revenue and profit?
See the revenue and net-income charts above for Capital Bancorp Inc's multi-year trend.
How much debt does CBNK have?
As of FY2025, Capital Bancorp Inc reported — of total debt against $256M of cash.
What is CBNK's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is CBNK's P/E ratio?
As of Sep '26, Capital Bancorp Inc traded at a price-to-earnings ratio of about 10.4× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.