CBNK
Capital Bancorp, Inc.Financial Services·Banks - Regional
$31.92
$520M market cap
Revenue
$147.9M
Free Cash Flow
$39.2M
Rev Growth
+0.0%
FCF Margin
26.5%
P/FCF
13.3x
EV/FCF
14.3x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through Commercial Banking, Capital Bank Home Loans, and OpenSky segments. The company offers a range of deposit products and services, including checking and savings, time, interest bearing demand, and money market accounts, as well as certificates of deposit; and cred
2-Year Price History
$31.47+60.8%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 68.0 | 3.4 | 2.5 | 12.0 | 21.8 | 21.1 | -0.6 | 20.2 | 59.6 | 16.4 | 3.3% | 0.2x | -- |
| Act | 2025-Q4 | 80.0 | 20.6 | 19.7 | 15.0 | 18.5 | 18.0 | -0.4 | 261.0 | 52.1 | 16.5 | 32.9% | 1.1x | -- |
Valuation & Metrics
Market Stats
Price$31.92
Market Cap$520M
Enterprise Value$559M
P/S Ratio3.5x
P/FCF13.3x
EV/FCF14.3x
FCF Margin (TTM)26.5%
FCF Yield7.5%
Dividend Yield (TTM)1.8%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$147.9M
Net Income$27.1M
Free Cash Flow$39.2M
Revenue Growth (YoY)+0.0%
EBITDA Margin16.2%
Net Margin18.3%
FCF Margin26.5%
CapEx % of Revenue0.7%
SBC % of Revenue0.3%
ROIC18.1%
WC Change % Rev0.2%
Interest Coverage0.7x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.6M
Days to Cover9.4
Change (vs Prior)+0.4%
Need at least 2 settlement dates for chart
Employees
Headcount389
Revenue / Employee$380,247
Gross Profit / Employee$275,141
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
27.5%(+5.1% YoY)
110 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
13.5%(+1.8% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.3%(+0.1% YoY)
3 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $21.5M | $25.71 | −$731K | +$702K | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $14.8M | $29.63 | +$14.7M | +$14.8M | — | $4.04T |
| ALLIANCEBERNSTEIN L.P. | $14.3M | $24.69 | +$157K | −$3.0M | -0.3% | $307.70B |
| DIMENSIONAL FUND ADVISORS LPPassive | $10.6M | $24.40 | +$512K | +$2.3M | -0.4% | $480.92B |
| Wealthspire Advisors, LLC | $8.8M | $27.11 | +$6.4M | +$6.5M | -0.3% | $12.72B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $8.4M | $27.77 | −$1.7M | +$1.2M | +2.3% | $1.61T |
| KENNEDY CAPITAL MANAGEMENT LLC | $8.0M | $28.08 | +$203K | +$3.0M | -1.5% | $4.72B |
| STATE STREET CORPPassive | $6.9M | $26.92 | −$868K | +$280K | -0.2% | $2.89T |
| Pacific Ridge Capital Partners, LLC | $6.9M | $24.64 | +$1.1M | +$163K | -0.8% | $462M |
| Ategra Capital Management, LLC | $6.9M | $18.21 | +$0 | −$1.0M | +0.6% | $180M |
| AMERICAN CENTURY COMPANIES INC | $6.0M | $27.44 | +$959K | +$1.6M | +0.7% | $193.48B |
| Ballast Asset Management, LP | $5.6M | $20.07 | +$147K | −$103K | -1.7% | $225M |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5.2M | $24.54 | +$266K | +$510K | -2.3% | $4.93B |
| SEI INVESTMENTS CO | $5.0M | $28.81 | +$2.5M | +$5.0M | -0.4% | $108.06B |
| Russell Investments Group, Ltd. | $4.4M | $29.07 | +$73K | +$1.0M | +1.5% | $93.03B |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $3.1M | $31.76 | +$9K | +$170K | -0.1% | $31.89B |
| Squarepoint Ops LLC | $3.1M | $28.48 | +$546K | +$2.1M | +0.4% | $46.27B |
| Empowered Funds, LLC | $3.0M | $20.52 | +$266K | +$510K | +0.2% | $15.64B |
| CITADEL ADVISORS LLC | $2.8M | $27.25 | +$1.8M | +$2.0M | -0.4% | $138.22B |
| MORGAN STANLEY | $2.8M | $25.42 | +$743K | +$1.4M | -0.3% | $1.65T |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.31%
avg per quarter
Holders (ex-self)
-0.31%
excl. this stock
Buyers (this Q)
-0.55%
56 buyers · $0.05B in
Sellers (this Q)
-0.43%
45 sellers · $0.00B out
alpha coverage: 90% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-11.1%
how holders react when this stock falls
On quiet Qs
+3.1%
−10% to +10% baseline
On rallies (+10%+)
+1.6%
how they react when this stock rises
Holders' portfolio flow this Q
+3.3%
inflows — adds are organic
Sellers' portfolio flow this Q
+4.5%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-2.4%
Holder mid (any stock)
-2.6%
Holder rally (any stock)
-5.7%
Biggest decreases this quarter
GEODE CAPITAL MANAGEMENT, LLC−$1.7Mα+2.3HighPoint Advisor Group LLCexited−$1.1MSTATE STREET CORP−$868Kα-0.2BlackRock, Inc.−$731Kα-0.2MALTESE CAPITAL MANAGEMENT LLC−$352Kα-0.6WEALTH ENHANCEMENT ADVISORY SERVICES, LLCexited−$303KGSA CAPITAL PARTNERS LLPexited−$210KGator Capital Management, LLC−$12Kα+2.2AMALGAMATED BANKexited−$10KSUMMIT SECURITIES GROUP LLCexited−$5K
New buyers this quarter
Top-5 holders · 33.0%
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
ALLIANCEBERNSTEIN L.P.--
DIMENSIONAL FUND ADVISORS LP--
Wealthspire Advisors, LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
ALLIANCEBERNSTEIN L.P.507KAMERIPRISE FINANCIAL INC12KStieven Capital Advisors, L.P.—Wealthspire Advisors, LLC295KPacific Ridge Capital Partners, LLC231KKENNEDY CAPITAL MANAGEMENT LLC269KAtegra Capital Management, LLC231KWEDGE CAPITAL MANAGEMENT L L P/NC57KBallast Asset Management, LP190KMALTESE CAPITAL MANAGEMENT LLC76K
Analyst Coverage
Analyst Coverage
Price Targets
Last Year (1 analysts)$37.001590.0%
Current Price$31.92
Analyst Ratings
4
2
Buy: 4Hold: 2Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$19K
1 txn · 1 insider · 600 sh
Sells ($, 12mo)
$1.37M
2 txns · 1 insider · 40,000 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2025-11-12 | SELL | Canuso Dominic C | other: Former EVP, CFO | 3,400 | $27.95 | $95K | $40K |
| 2025-08-27 | SELL | Levitt Randall James | director | 37,338 | $34.37 | $1.28M | $2.06M |
| 2025-08-26 | SELL | Levitt Randall James | director | 2,662 | $34.41 | $92K | $3.35M |
| 2025-07-31 | BUY | Canuso Dominic C | officer: EVP, Chief Financial Officer | 600 | $31.11 | $19K | $150K |
Order Flow (FINRA, ~3w lag)
2.3%retail-0.1pp
18.4%dark-2.7pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Capital Bancorp, Inc: Administrative shell filing provides zero visibility into underlying asset quality
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10