Capital Bancorp Inc. Common Stock (CBNK)

FairStock Score: 75/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks that earn a respectable return on equity, keep credit clean, and sell at a sensible multiple of book. Capital Bancorp is a $630.8M market-cap regional bank holding company operating Capital Bank, N.A. through commercial banking, home loans, OpenSky, and Windsor Advantage. The FairStock calculations show a P/E of 11.39 and a P/B of 1.49 at the 2026-10-13 close of $38.72, with ROE of 14.05%. That is not a bargain-bin valuation, but it is reasonable if the bank can sustain mid-teens returns. The Lynch category given is STALWART, based on 17.2% annual profit growth over five years, yet the recent record is uneven: in fiscal 2023 net income was $35.9M, in fiscal 2024 it fell to $31.0M, and in fiscal 2025 it rose to $57.2M, or $3.41 diluted EPS. More recently, in fiscal Q2 2026 (quarter ended 2026-06-30) net income was $14.3M and diluted EPS $0.87, versus $13.1M and $0.78 in fiscal Q2 2025. That is progress, but a Piotroski F-Score of 4/9 suggests mixed financial statement signals. The 0.51 beta and 1.29% dividend yield point to a low-volatility, modest-income stock. I cannot judge credit risk properly because CET1, net interest margin, combined ratio, nonperforming loans, reserves, and efficiency ratio are not in the data. Without those, the 75/100 FairStock Score is interesting but not conclusive. At 1.49 times book, the price already assumes continued profitability; any credit deterioration would hurt.

In plain English: Capital Bancorp is a small bank holding company that runs a national bank and serves businesses, nonprofits, and entrepreneurs. It earns money from loans and deposits, and its most recent reported quarter showed more profit than the same quarter a year earlier, though profit has moved up and down over the past few years. At $38.72 on 2026-10-13, the price looks neither a steal nor wildly expensive versus its profits and net worth; it is a steady, modestly profitable bank, not a fast grower.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer