Capital Bancorp, Inc. (CBNK) Key Metrics
CBNK valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $645.2M
- Enterprise value
- $280.1M
- P/E (TTM)
- 11.6 10-yr median 9.4
- Forward P/E
- 8.3
- PEG ratio
- —
- Price / sales
- 2.7 10-yr median 1.7
- Price / book
- 1.4 10-yr median 1.3
- EV / EBITDA
- — 10-yr median 3.3
- Dividend yield
- 1.26% $0.50 a year
- Beta
- 0.51
CBNK key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCBNK valuation Price multiples at each fiscal year-end price.
CBNK returns How much profit the business earns on the capital it uses.
CBNK per-share figures Results divided by the shares outstanding at year-end.
CBNK financial health Debt, liquidity and how easily interest is covered.
CBNK efficiency & capital use Working capital cycle and where the cash goes.
CBNK valuation history
CBNK returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CBNK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CBNK cash returned to shareholders
CBNK price vs earnings per share
CBNK key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $464.6M | $417.2M | $340.8M | $338.1M | $368.9M | $192.2M | $208.0M | $142.2M | — | — |
| Enterprise value | $255.7M | $143.3M | $251.7M | $154.9M | $38.8M | −$16.1M | $81.8M | $82.2M | — | — |
| P/E ratio | 8.1 | 13.5 | 9.5 | 8.1 | 9.2 | 7.4 | 12.3 | 11.1 | — | — |
| Price / sales | 1.5 | 1.7 | 1.6 | 1.9 | 2.1 | 1.3 | 1.9 | 1.7 | — | — |
| Price / book | 1.2 | 1.2 | 1.3 | 1.5 | 1.9 | 1.2 | 1.6 | 1.2 | — | — |
| Price / free cash flow | 6.9 | 12.7 | 7.5 | 6.8 | 2.8 | 37.0 | — | 5.4 | — | — |
| Price / operating cash flow | 6.7 | 11.9 | 7.2 | 6.6 | 2.8 | 35.2 | — | 5.0 | — | — |
| EV / sales | 0.8 | 0.6 | 1.2 | 0.9 | 0.2 | -0.1 | 0.8 | 1.0 | — | — |
| EV / EBITDA | 3.4 | 3.3 | 5.4 | 2.8 | 0.7 | — | 3.3 | 4.4 | — | — |
| EV / free cash flow | 3.8 | 4.4 | 5.6 | 3.1 | 0.3 | — | — | 3.1 | — | — |
| Earnings yield | 12.3% | 7.4% | 10.5% | 12.4% | 10.8% | 13.4% | 8.1% | 9.0% | — | — |
| Free cash flow yield | 14.5% | 7.9% | 13.3% | 14.7% | 35.8% | 2.7% | −13.2% | 18.7% | — | — |
| Dividend yield | 1.6% | 1.3% | 1.2% | 0.9% | 0.4% | 5.6% | 12.3% | 1.0% | — | — |
| Shareholder yield (dividends + buybacks) | 4.1% | 1.6% | 3.7% | 0.9% | 0.4% | 7.6% | 12.4% | 1.0% | — | — |
| Share price at fiscal year-end | $28.17 | $28.50 | $24.20 | $23.54 | $26.20 | $13.93 | $14.89 | $11.41 | — | — |
| Per share | ||||||||||
| Revenue per share | $18.41 | $16.55 | $14.67 | $12.53 | $12.35 | $10.68 | $7.72 | $6.86 | $5.46 | $5.30 |
| Earnings per share | $3.47 | $2.12 | $2.55 | $2.91 | $2.84 | $1.87 | $1.21 | $1.02 | $0.54 | $0.72 |
| Operating cash flow per share | $4.23 | $2.39 | $3.37 | $3.58 | $9.38 | $0.40 | −$1.95 | $2.27 | $2.65 | $0.57 |
| Free cash flow per share | $4.08 | $2.24 | $3.21 | $3.47 | $9.38 | $0.38 | −$1.97 | $2.13 | $2.54 | $0.52 |
| Cash per share | $15.82 | $21.04 | $9.81 | $21.74 | $25.86 | $17.70 | $12.44 | $6.37 | $7.79 | $6.23 |
| Book value per share | $24.37 | $24.26 | $18.10 | $15.60 | $14.05 | $11.54 | $9.54 | $9.19 | $6.09 | $5.38 |
| Tangible book value per share | $21.99 | $21.73 | $18.10 | $15.60 | $14.05 | $11.54 | $9.54 | $9.19 | $6.09 | $5.38 |
| Dividends per share | $0.44 | $0.36 | $0.28 | $0.21 | $0.10 | $0.79 | $1.82 | $0.11 | — | — |
| Capex per share | $0.14 | $0.15 | $0.15 | $0.11 | $0.00 | $0.02 | $0.02 | $0.14 | $0.11 | $0.05 |
| Debt per share | $3.16 | $2.33 | $3.48 | $8.99 | $2.42 | $2.61 | $3.41 | $1.56 | $2.33 | $2.51 |
| Shares outstanding | 16.5M | 14.6M | 14.1M | 14.4M | 14.1M | 13.8M | 14.0M | 12.5M | 13.2M | 13.2M |
| Change in shares outstanding | +12.7% | +4.0% | −2.0% | +2.0% | +2.0% | −1.2% | +12.1% | −5.3% | 0.0% | 0.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 15.1% | 10.2% | 15.0% | 19.8% | 22.4% | 17.6% | 13.6% | 13.1% | 9.4% | 14.5% |
| Return on invested capital (ROIC) | 39.3% | 25.1% | 34.7% | — | — | — | 54.7% | 40.7% | 47.5% | 27.2% |
| Return on assets (ROA) | 1.7% | 1.1% | 1.6% | 2.0% | 2.0% | 1.6% | 1.3% | 1.2% | 0.7% | 1.1% |
| Return on tangible assets | 1.6% | 1.0% | 1.6% | 2.0% | 1.9% | 1.4% | 1.2% | 1.2% | 0.7% | 1.0% |
| Free cash flow margin | 22.2% | 13.5% | 21.9% | 27.7% | 75.9% | 3.5% | −25.5% | 31.1% | 46.4% | 9.8% |
| Income quality (OCF / net income) | 1.22 | 1.13 | 1.32 | 1.23 | 3.30 | 0.21 | −1.61 | 2.22 | 4.90 | 0.80 |
| Financial health | ||||||||||
| Total debt | $52.1M | $34.1M | $49.1M | $129.1M | $34.1M | $36.0M | $47.6M | $19.4M | $30.6M | $33.0M |
| Cash & short-term investments | $261.0M | $308.0M | $138.2M | $312.2M | $364.2M | $244.3M | $173.8M | $79.4M | $102.6M | $82.0M |
| Net debt | −$208.9M | −$273.9M | −$89.1M | −$183.1M | −$330.1M | −$208.3M | −$126.2M | −$60.0M | −$72.0M | −$49.0M |
| Debt / equity | 0.13 | 0.10 | 0.19 | 0.58 | 0.17 | 0.23 | 0.36 | 0.17 | 0.38 | 0.47 |
| Debt / assets | 0.01 | 0.01 | 0.02 | 0.06 | 0.02 | 0.02 | 0.03 | 0.02 | 0.03 | 0.04 |
| Net debt / EBITDA | −2.80 | −6.22 | −1.91 | −3.29 | −5.99 | −5.63 | −5.03 | −3.18 | −4.77 | −2.96 |
| Current ratio | 0.13 | 0.12 | 0.08 | 0.18 | 0.21 | 0.15 | 0.15 | 60.05 | 0.12 | 0.11 |
| Quick ratio | 0.13 | 0.12 | 0.08 | 0.23 | 0.31 | 0.25 | 0.24 | 59.95 | 0.18 | 0.16 |
| Interest coverage | 1.1 | 0.7 | 1.1 | 5.4 | 8.2 | 2.7 | 1.4 | 1.6 | 1.8 | 2.4 |
| Working capital | −$1.96B | −$2.45B | −$1.75B | −$1.45B | −$1.44B | −$1.41B | −$1.05B | $82.4M | −$811.1M | −$718.0M |
| Invested capital | $193.1M | $81.2M | $165.8M | $40.9M | −$132.2M | −$49.0M | $7.2M | $54.6M | $8.2M | $21.8M |
| Tangible asset value | $362.8M | $318.2M | $254.9M | $224.0M | $197.9M | $159.3M | $133.3M | $114.6M | $80.1M | $70.7M |
| Net current asset value | −$2.92B | −$2.53B | −$1.82B | −$1.58B | −$1.49B | −$1.46B | −$1.12B | −$906.7M | −$837.9M | −$749.7M |
| Graham number | $43.60 | $33.98 | $32.21 | $31.96 | $29.96 | $22.05 | $16.12 | $14.56 | $8.60 | $9.31 |
| Graham net-net per share | −$177.28 | −$172.90 | −$129.47 | −$113.16 | −$112.42 | −$112.03 | −$84.32 | −$72.84 | −$66.05 | −$58.60 |
| Capital allocation | ||||||||||
| Dividends paid | $7.3M | $5.3M | $3.9M | $3.1M | $1.4M | $10.8M | $25.5M | $1.4M | — | — |
| Share buybacks (net) | $11.7M | $1.4M | $8.8M | $0 | $0 | $3.7M | $371,000 | $45,000 | $512,000 | $3.4M |
| Dividend payout ratio | 12.8% | 17.0% | 10.9% | 7.4% | 3.5% | 42.0% | 150.8% | 10.8% | — | — |
| Dividends + buybacks / free cash flow | 28.3% | 20.4% | 28.2% | 6.2% | 1.0% | 280.7% | — | 5.4% | 1.5% | 49.8% |
| Capex / revenue | 0.8% | 0.9% | 1.0% | 0.9% | 0.0% | 0.2% | 0.3% | 2.0% | 2.0% | 1.0% |
| Capex / operating cash flow | 3.4% | 6.2% | 4.5% | 3.0% | 0.0% | 4.9% | — | 6.1% | 4.1% | 8.9% |
| Capex / depreciation | 0.61 | 0.97 | 4.56 | 1.08 | 0.02 | 0.14 | 0.13 | 1.60 | 1.45 | 0.69 |
| Stock-based compensation / revenue | 0.5% | 0.8% | 0.9% | 0.9% | 0.8% | 0.7% | 0.7% | 0.7% | 0.7% | 0.9% |
| SG&A / revenue | 28.4% | 25.8% | 26.6% | 27.3% | 24.5% | 42.7% | 46.5% | 47.7% | 49.2% | 46.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 25.5 | 21.2 | 18.5 | 17.6 | 16.8 | 16.0 | 15.6 | 17.8 | 18.0 | 15.7 |
| Days of inventory on hand | — | — | -309.8 | -3,079.5 | -6,441.6 | -2,094.8 | -1,193.3 | -786.5 | -1,739.8 | -698.4 |
| Days payables outstanding | 41.3 | 35.7 | 23.6 | 16.5 | 29.6 | 21.9 | 33.0 | 36.1 | 32.6 | 23.5 |
| Cash conversion cycle (days) | -15.8 | -14.4 | -314.8 | -3,078.3 | -6,454.4 | -2,100.8 | -1,210.7 | -804.9 | -1,754.4 | -706.1 |
| Receivables turnover | 14.29 | 17.21 | 19.69 | 20.70 | 21.69 | 22.84 | 23.37 | 20.54 | 20.31 | 23.19 |
| Payables turnover | 8.83 | 10.24 | 15.48 | 22.17 | 12.33 | 16.64 | 11.07 | 10.10 | 11.19 | 15.53 |
| Asset turnover | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.08 | 0.07 | 0.08 |
| Average receivables | $21.2M | $14.1M | $10.5M | $8.7M | $8.0M | $6.5M | $4.6M | $4.2M | $3.5M | $3.0M |
| Average payables | $9.1M | $7.5M | $3.3M | $752,000 | $803,500 | $1.5M | $1.7M | $1.3M | $930,173 | $694,054 |
| Average inventory | — | — | −$43.4M | −$140.6M | −$174.9M | −$140.2M | −$60.9M | −$28.8M | −$49.6M | −$20.6M |
| Intangibles / total assets | 1.1% | 1.2% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from CBNK's annual financial statements (latest annual report filed March 16, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CBNK valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Capital Bancorp traded at 8.1 times earnings, against a 10-year median of 9.4. Based on the latest twelve months, the trailing P/E is 11.6 and the forward P/E is 8.3. Capital Bancorp earned a return on equity of 15.1% and a return on invested capital of 39.3% in fiscal 2025. It ended the year with $52.1 million of debt and $261.0 million in cash and short-term investments, a net cash position of $208.9 million. It returned $19.0 million to shareholders: $7.3 million in dividends and $11.7 million in share buybacks, 28% of free cash flow. The share count rose 25.3% from 13.2M to 16.5M over 9 years.
See the CBNK income statement, the CBNK chart for price history, or the CBNK stock overview for the latest quote and news.
CBNK key metrics FAQ
What is Capital Bancorp's P/E ratio?
Capital Bancorp's trailing P/E ratio is 11.6 based on the last twelve months of earnings (as of October 17, 2026), and its forward P/E is 8.3. At the end of fiscal 2025 it was 8.1, compared with a 10-year median of 9.4.
What is Capital Bancorp's EV/EBITDA?
Capital Bancorp's enterprise value was 3.4 times EBITDA at the end of fiscal 2025 (enterprise value $255.7 million, EBITDA $74.5 million).
What is Capital Bancorp's return on equity?
Capital Bancorp's return on equity (ROE) was 15.1% in fiscal 2025: net income of $57.2 million on average shareholders' equity of $378.6 million.
What is Capital Bancorp's ROIC?
Capital Bancorp's return on invested capital was 39.3% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Capital Bancorp have?
Capital Bancorp had total debt of $52.1 million at the end of fiscal 2025, a debt-to-equity ratio of 0.13 and more cash than debt.
What is Capital Bancorp's dividend yield?
Capital Bancorp's forward dividend yield is 1.26%. Capital Bancorp paid $7.3 million in dividends in fiscal 2025 ($0.44 per share), a payout ratio of 12.8%.
Does Capital Bancorp buy back its shares?
Yes. Capital Bancorp spent $11.7 million on net share repurchases in fiscal 2025 Shares outstanding changed +12.7% over the year, to 16.5M..
What is Capital Bancorp's free cash flow yield?
Capital Bancorp generated $67.3 million of free cash flow in fiscal 2025, a free cash flow yield of 14.5% on its market value at year-end ($464.6 million).
What is Capital Bancorp's current ratio?
Capital Bancorp's current ratio was 0.13 at the end of fiscal 2025: current assets were 0.13 times current liabilities.