Capital Bancorp, Inc. (CBNK) Income Statement
CBNK 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCBNK revenue and net income
Where CBNK's revenue goes
2025Each bar shows an amount and its share of revenue. CBNK kept 18.8% of revenue as net income.
CBNK profit margins
CBNK growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +25.3% | +19.0% | +15.6% | +19.0% |
| Gross profit | +35.0% | +11.0% | +12.7% | +16.9% |
| Operating income | +68.8% | +9.2% | +15.0% | +19.2% |
| Net income | +84.6% | +11.0% | +17.2% | +22.5% |
| EPS (diluted) | +25.4% | +5.0% | +12.4% | +16.2% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CBNK quarterly EPS vs estimates
Capital Bancorp beat the analyst EPS estimate in 4 of the last 8 quarters. Next report: October 26, 2026 (estimate $0.91).
CBNK income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $303.6M | $242.3M | $206.5M | $180.0M | $173.9M | $147.4M | $107.9M | $85.5M | $71.9M | $69.7M |
| Cost of revenue | $80.1M | $76.7M | $51.2M | $16.7M | $9.9M | $24.4M | $18.6M | $13.4M | $10.4M | $10.8M |
| Gross profit | $223.6M | $165.6M | $155.4M | $163.3M | $164.0M | $123.0M | $89.2M | $72.1M | $61.5M | $58.9M |
| Research & development | — | — | — | — | — | — | — | $0 | — | — |
| Sales, general & admin | $86.1M | $62.4M | $54.9M | $49.1M | $42.6M | $62.9M | $50.2M | $40.8M | $35.4M | $32.5M |
| Total operating expenses | $153.0M | $123.8M | $109.1M | $109.1M | $110.1M | $87.8M | $66.5M | $54.4M | $47.4M | $43.4M |
| Operating income | $70.6M | $41.8M | $46.2M | $54.2M | $53.9M | $35.1M | $22.7M | $17.7M | $14.1M | $15.6M |
| Interest income | $260.9M | $213.3M | $177.6M | $150.6M | $123.2M | $97.3M | $83.4M | $69.1M | $56.7M | $49.2M |
| Interest expense | $64.9M | $58.6M | $41.7M | $10.0M | $6.5M | $13.2M | $15.8M | $11.2M | $7.8M | $6.5M |
| Income before taxes | $74.9M | $41.8M | $46.2M | $54.2M | $53.9M | $35.1M | $22.7M | $17.7M | $14.1M | $15.6M |
| Income taxes | $17.8M | $10.9M | $10.4M | $12.4M | $13.9M | $9.3M | $5.8M | $5.0M | $7.0M | $6.1M |
| Net income | $57.2M | $31.0M | $35.9M | $41.8M | $40.0M | $25.8M | $16.9M | $12.8M | $7.1M | $9.4M |
| EBITDA | $74.5M | $44.0M | $46.7M | $55.7M | $55.1M | $37.0M | $25.1M | $18.8M | $15.1M | $16.5M |
| EPS (diluted) | $3.36 | $2.68 | $2.55 | $2.90 | $2.83 | $1.87 | $1.21 | $0.74 | $0.62 | $0.72 |
| Gross margin | 73.6% | 68.4% | 75.2% | 90.7% | 94.3% | 83.4% | 82.7% | 84.4% | 85.5% | 84.5% |
| Operating margin | 23.3% | 17.3% | 22.4% | 30.1% | 31.0% | 23.8% | 21.1% | 20.8% | 19.6% | 22.3% |
| Net margin | 18.8% | 12.8% | 17.4% | 23.2% | 23.0% | 17.5% | 15.7% | 14.9% | 9.9% | 13.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $70.0M | $68.0M | $79.9M | $74.8M | $76.7M | $75.3M | $71.2M | $59.2M | $57.0M | $54.3M | $52.9M | $54.1M |
| Cost of revenue | $19.0M | $18.6M | $22.3M | $17.7M | $21.0M | $19.0M | $25.3M | $18.0M | $17.1M | $16.2M | $14.8M | $13.2M |
| Gross profit | $50.9M | $49.4M | $57.6M | $57.1M | $55.7M | $56.4M | $45.9M | $41.2M | $40.0M | $38.1M | $38.1M | $40.8M |
| Sales, general & admin | $24.0M | $43.7M | $5.8M | $27.1M | $19.8M | $19.8M | $5.0M | $33.8M | $15.3M | $14.9M | $9.4M | $20.5M |
| Total operating expenses | $46.8M | $46.9M | $38.0M | $37.2M | $38.6M | $38.1M | $35.1M | $29.7M | $29.0M | $29.5M | $26.9M | $28.0M |
| Operating income | $4.1M | $2.5M | $19.7M | $19.9M | $17.1M | $18.3M | $10.8M | $11.5M | $10.9M | $8.6M | $11.2M | $12.8M |
| Interest income | $70.0M | $68.0M | $68.6M | $64.9M | $64.6M | $62.8M | $61.7M | $52.6M | $50.6M | $48.4M | $47.0M | $47.7M |
| Interest expense | $19.0M | $18.6M | $18.4M | $12.9M | $16.9M | $16.7M | $17.4M | $14.3M | $13.6M | $13.4M | $12.1M | $10.9M |
| Income before taxes | $18.5M | $15.9M | $19.7M | $19.9M | $17.1M | $18.3M | $10.8M | $11.5M | $10.9M | $8.6M | $11.2M | $12.8M |
| Income taxes | $4.2M | $3.9M | $4.6M | $4.8M | $4.0M | $4.4M | $3.2M | $2.8M | $2.7M | $2.1M | $2.2M | $3.0M |
| Net income | $14.2M | $12.0M | $15.0M | $15.1M | $13.1M | $13.9M | $7.5M | $8.7M | $8.2M | $6.6M | $9.0M | $9.8M |
| EBITDA | $5.6M | $3.9M | $20.6M | $20.9M | $18.1M | $19.2M | $13.7M | $10.4M | $10.9M | $8.9M | $11.1M | $13.2M |
| EPS (diluted) | $0.87 | $0.73 | $0.91 | $0.72 | $0.85 | $0.88 | $0.92 | $0.66 | $0.59 | $0.51 | $0.65 | $0.70 |
| Gross margin | 72.8% | 72.7% | 72.1% | 76.3% | 72.6% | 74.8% | 64.4% | 69.6% | 70.1% | 70.1% | 72.1% | 75.5% |
| Operating margin | 5.9% | 3.7% | 24.6% | 26.5% | 22.3% | 24.3% | 15.1% | 19.4% | 19.2% | 15.9% | 21.2% | 23.6% |
| Net margin | 20.4% | 17.7% | 18.8% | 20.1% | 17.1% | 18.5% | 10.6% | 14.6% | 14.4% | 12.1% | 17.1% | 18.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CBNK's financial statements (latest annual report filed March 16, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CBNK financial results
In fiscal year 2025 (ended December 31, 2025), Capital Bancorp reported revenue of $303.6 million, up 25.3% from the year before. It had net income of $57.2 million (up 84.6%), a net profit margin of 18.8%. Diluted earnings per share came to $3.36. Over five years revenue grew at an average rate of 15.6% a year.
See the CBNK stock overview for the latest quote and news, or the CBNK chart for price history and technical indicators.
CBNK income statement FAQ
What is Capital Bancorp's annual revenue?
Capital Bancorp reported total revenue of $303.6 million for fiscal year 2025, which ended on December 31, 2025. That was up 25.3% from $242.3 million the previous year.
Is Capital Bancorp profitable?
Yes. Capital Bancorp reported net income of $57.2 million in fiscal 2025, a net profit margin of 18.8%; its operating margin was 23.3%.
What is Capital Bancorp's gross margin?
Capital Bancorp's gross margin was 73.6% in fiscal 2025: for every $100 of revenue, Capital Bancorp kept $74 after the direct cost of its products and services.
How fast is Capital Bancorp growing?
Revenue grew 15.6% a year on average over the last five fiscal years, from $147.4 million to $303.6 million.
What are Capital Bancorp's earnings per share?
Capital Bancorp earned $3.36 per diluted share in fiscal 2025, compared with $2.68 a year earlier.
When will Capital Bancorp report its next earnings?
Capital Bancorp is expected to report results for the quarter ending September 30, 2026 on October 26, 2026 after the market closes.
When does Capital Bancorp's fiscal year end?
Capital Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 16, 2026.