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Capital Bancorp

CBNK
59
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
59
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Good
Capital Strength
Strong
Asset Quality
Good
Valuation
Good
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Winston Score History

The full picture

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.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-8.8% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+10.1% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

33.6%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$3.9B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Capital Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
12.6%
no trend
Strong — 12.6% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
5.64%
no trend
Wide spread — 5.64% net interest margin
Cost of running the bank
Efficiency Ratio
70.3%
no trend
Bloated cost base — 70.3% efficiency ratio

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Growth

Sales growth
Sales YoY
+3.6%
Slow sales growth (+3.6% YoY)
Profit growth
EPS YoY
+27.0%
Earnings growing fast (+27.0% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion
Capital Ratio
11.3%
no trend
Well capitalised — 11.3% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
1.94%
no trend
Some stress — 1.94% non-performing loans

Between 1% and 2% of loans are struggling. Worth watching, but not alarming.

Loans written off
Net Charge-Offs
0.40%
no trend
Moderate — 0.40% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
10.7x
no trend
Attractive valuation — P/E 10.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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