CBNK

Based on Capital Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Capital Bancorp do?

Capital Bancorp is the holding company for Capital Bank, N.A. It provides commercial banking, residential mortgage lending, and a secured credit card program called OpenSky. The bank primarily serves small to medium-sized businesses, entrepreneurs, real estate investors, and individuals, operating through a small branch network and mortgage offices.

Does CBNK pay dividends?

Yes, Capital Bancorp pays a regular dividend. This is notable for a small-cap bank that also invests in growth through its OpenSky credit card segment. For the current dividend amount and schedule, check the company's investor relations page, as figures can change each quarter.

When does CBNK report earnings?

Capital Bancorp follows a standard quarterly earnings cadence for US-listed companies. Specific dates are announced in advance by the company. For the most accurate and up-to-date schedule, refer to Capital Bancorp's investor relations page.

Is CBNK a good stock to buy?

UQS Score rates CBNK as Good overall, with an Attractive Valuation pillar and Good Quality pillar. However, Weak Moat and Risk pillars highlight real concerns around competitive positioning and macro sensitivity. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full UQS breakdown is available to Pro members.

Is CBNK overvalued?

The UQS Valuation pillar for CBNK is rated Attractive, suggesting the stock may be reasonably priced or even undervalued relative to its fundamentals compared to sector peers. That said, valuation alone does not determine investment suitability — the Risk and Moat profiles should be weighed alongside it.

How does CBNK compare to its competitors?

Among small-cap community bank peers like Bridgewater Bancshares, Farmers National Banc, and Carter Bankshares, Capital Bancorp differentiates itself through its OpenSky secured credit card segment, which adds a fintech-adjacent revenue stream. Its lean branch model also sets it apart from more branch-heavy regional competitors.

What is CBNK's market cap bracket?

Capital Bancorp is classified as a small-cap company. This means it carries higher volatility and liquidity risk compared to large-cap banks, but may also offer different return dynamics for investors comfortable with smaller financial institutions.

Who founded Capital Bancorp?

Capital Bancorp, Inc. was founded in 2018 as the holding company structure for Capital Bank, N.A., which has roots dating back to 1974. For detailed founding history and leadership background, the company's official website and SEC filings are the most reliable sources.

Is CBNK a long-term quality indicator?

From a quality standpoint, CBNK's Good overall UQS Score and Attractive Valuation pillar offer some encouragement for patient investors. However, the Weak Moat pillar suggests the bank lacks strong structural advantages that would protect returns over a full economic cycle. Long-term holders should monitor how the OpenSky segment scales.

What is the main competitive advantage of Capital Bancorp?

Capital Bancorp's most distinctive feature is its OpenSky secured credit card program, which targets credit-building consumers — a segment outside the typical community bank focus. This diversifies revenue beyond traditional lending and deposit-taking, though the UQS Moat pillar still rates as Weak overall, reflecting the competitive intensity of both banking and fintech.

Capital Bancorp, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

Capital Bancorp, Inc. shows steady but unspectacular growth, typical for mature companies.

Capital Bancorp, Inc. maintains a reasonable risk profile with manageable debt levels.

Capital Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Capital Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CBNK.

The UQS (Unified Quality Score) for Capital Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Capital Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Capital Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.