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olivLaw · US equity research

Capital Bancorp, Inc. CBNK

National Commercial Banks · SIC 6021 · Vertical: National Commercial Banks (SIC 6021)

43.11USD+3.33% · 1 dayClose 02 Nov 2026

Capital Bancorp is the holding company for Capital Bank, N.A., a commercial-focused bank in the Washington, D.C. and Baltimore areas with national consumer lines in credit cards and mortgages. The company now has a pending merger agreement with Peoples Bancorp, so its outlook depends heavily on whether that deal closes.

At the close of 02 Nov 2026, Capital Bancorp, Inc. (CBNK) stock was 43.11 USD (+3.33% on the day), with market capitalisation 702.3 m USD, P/E 12.7 on diluted EPS of 3.40 USD over the last 12 months, dividend yield 1.11%, beta 0.65, 52-week range 26.61–43.11 USD. Latest reported quarter (Q2 2026): net income of 14.3 m USD (+8.5% YoY), diluted EPS 0.87 USD.

Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.

Market cap
702.3 m USD
shares as of 05 Aug 2026
P/E (TTM)
12.7
Diluted EPS TTM 3.40 · TTM to 30 Jun 2026
E/P (TTM)
7.89%
TTM to 30 Jun 2026
Dividend yield
1.11%
DPS 12m 0.48
Beta (2y)
0.65
Volatility (1y) 24%
52-week range
26.6143.11

Price history

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Technical reading

RSI (14)
75.7
overbought (≥ 70)
Bollinger (20, 2)
37.61 – 42.96
above the upper band · %B 1.03 · band width 13.3%
SMA 50 / 200
38.14 / 33.91
uptrend (price > SMA50 > SMA200)
MACD (12, 26, 9)
1.20 / 1.03
MACD above signal

Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).

Performance

CompanyS&P 500vs S&P 500Vertical median
1 month+6.6%−2.3%+8.9 pp—
3 months+14.6%−0.8%+15.4 pp—
6 months+40.0%+4.7%+35.2 pp—
Year to date+53.0%+10.2%+42.9 pp—
1 year+55.1%+10.3%+44.8 pp+19.0%
3 years+105.9%+73.0%+32.8 pp+71.6%
5 years+62.1%+61.8%+0.3 pp—
Max drawdown (1y)
−13.6%
09 Feb 2026 → 18 Mar 2026
Max drawdown (5y)
−44.0%
24 Nov 2021 → 08 May 2023
Compound annual growth (5y)
+10.1%
S&P 500 +10.1%

Price returns, dividends excluded.

Quarterly results

Latest quarter: Q2 2026 · 30 Jun 2026

Revenue
unavailable USD
unavailable YoY
Net income
14.3 m USD
+8.5% YoY
Diluted EPS
0.87
+11.5% YoY
net / operating
unavailable / unavailable

Quarterly statements · USD

Fiscal yearQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
Operating income-1.0 m-993.0 k-903.0 k-933.0 k-923.0 k———
Pre-tax income11.5 m10.8 m18.3 m17.1 m19.9 m19.7 m15.9 m18.5 m
Income tax2.8 m3.2 m4.4 m4.0 m4.8 m4.6 m3.9 m4.2 m
Net income8.7 m7.5 m13.9 m13.1 m15.1 m15.0 m12.0 m14.3 m
Diluted EPS0.620.45 ≈0.820.780.890.91 ≈0.730.87
Operating cash flow-464.0 k ≈25.9 m22.6 m-4.2 m ≈32.9 m ≈18.5 m21.8 m-5.0 m ≈
Dividends paid1.4 m ≈1.7 m1.7 m1.7 m ≈2.0 m ≈2.0 m2.0 m2.0 m ≈
Share repurchases0 ≈0618.0 k2.9 m ≈-312.0 k ≈8.6 m3.6 m36.0 k ≈

≈ derived quarter (cumulative difference / share-days average)

E/P over time

E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.

Today's P/E sits at the 94 percentile of its own 32-quarter history (min 5.8, median 9.0, max 17.9; quarters with earnings only).

Fiscal years

Fiscal year20182019202020212022202320242025
Revenueunavailableunavailableunavailableunavailableunavailableunavailableunavailableunavailable
Revenue YoYunavailableunavailableunavailableunavailableunavailableunavailableunavailableunavailable
Net income12.8 m16.9 m25.8 m40.0 m41.8 m35.9 m31.0 m57.2 m
Net income YoY+79.6%+32.3%+52.8%+54.8%+4.6%−14.2%−13.7%+84.6%
Diluted EPS1.021.211.872.842.912.552.123.41
Diluted EPS YoY+64.5%+18.6%+54.5%+51.9%+2.5%−12.4%−16.9%+60.8%
net %unavailableunavailableunavailableunavailableunavailableunavailableunavailableunavailable
Free cash flow26.6 munavailableunavailableunavailableunavailableunavailableunavailableunavailable

Reported results vs expectations

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Balance sheet & financial health

Fiscal year 2025 · 31 Dec 2025

Cash
255.6 m USD
Financial debt
unavailable USD
Net debt
unavailable USD
Equity
401.8 m USD
Total assets
3.6 bn USD
Debt / equity
unavailable
Current ratio
unavailable
ROE
15.1%
ROA
1.7%
FCF margin
unavailable

Financial statements (source on every figure)

Revenue and net income (USD)

Income statement · USD

Net interest income
2023
141.5 m
2024
154.7 m
2025
196.0 m

SEC (XBRL)· 16 Mar 2026verified

Net fee income
2023
25.0 m
2024
31.4 m
2025
49.2 m

SEC (XBRL)· 16 Mar 2026verified

Non-interest expense
2023
110.8 m
2024
126.2 m
2025
155.1 m

SEC (XBRL)· 16 Mar 2026verified

Pre-tax income
2023
46.2 m
2024
41.8 m
2025
74.9 m

SEC (XBRL)· 16 Mar 2026verified

Net income
2023
35.9 m
2024
31.0 m
2025
57.2 m

SEC (XBRL)· 16 Mar 2026verified

Diluted EPS
2023
2.55
2024
2.12
2025
3.41

SEC (XBRL)· 16 Mar 2026verified

Dividend per share
2023
0.28
2024
0.36
2025
0.44

SEC (XBRL)· 16 Mar 2026verified

Balance sheet · USD

Cash
2023
54.0 m
2024
205.3 m
2025
255.6 m

SEC (XBRL)· 16 Mar 2026verified

Loans
2023
1.9 bn
2024
2.6 bn
2025
2.9 bn

SEC (XBRL)· 16 Mar 2026verified

Total assets
2023
2.2 bn
2024
3.2 bn
2025
3.6 bn

SEC (XBRL)· 16 Mar 2026verified

Deposits
2023
1.9 bn
2024
2.8 bn
2025
3.1 bn

SEC (XBRL)· 16 Mar 2026verified

Total liabilities
2023
2.0 bn
2024
2.9 bn
2025
3.2 bn

SEC (XBRL)· 16 Mar 2026verified

Equity
2023
254.9 m †
2024
355.1 m †
2025
401.8 m †

SEC (XBRL)· 16 Mar 2026verified

Cash flow · USD

Dividends paid
2023
3.9 m
2024
5.3 m
2025
7.3 m

SEC (XBRL)· 16 Mar 2026verified

Share repurchases
2023
8.8 m
2024
1.4 m
2025
11.7 m

SEC (XBRL)· 16 Mar 2026verified

Computed indicators

Growth

Revenue growth (YoY)
unavailable
input data missing
Revenue CAGR 3Y
unavailable
input data missing
Revenue CAGR 5Y
unavailable
input data missing
Net income growth (YoY)
84.6%
computed by olivLawFY 2025
Net income CAGR 3Y
11.0%
computed by olivLawFY 2022 → FY 2025
Net income CAGR 5Y
17.2%
computed by olivLawFY 2020 → FY 2025
EPS growth (YoY)
60.8%
computed by olivLawFY 2025
EPS CAGR 3Y
5.4%
computed by olivLawFY 2022 → FY 2025
EPS CAGR 5Y
12.8%
computed by olivLawFY 2020 → FY 2025

Profitability

Net margin
unavailable
input data missing

Returns

ROE
14.1%
computed by olivLawTTM to 30 Jun 2026 · balance sheet at 30 Jun 2026
ROA
1.5%
computed by olivLawTTM to 30 Jun 2026 · balance sheet at 30 Jun 2026
Payout ratio (EPS)
14.1%
computed by olivLawTTM to 30 Jun 2026

Market and valuation

Market capitalisation
702.3 m USD
computed by olivLawbalance sheet at 30 Jun 2026
Market cap / net income TTM
12.5x
computed by olivLawTTM to 30 Jun 2026
P/E (TTM)
12.7x
computed by olivLawTTM to 30 Jun 2026
Earnings yield
7.9%
computed by olivLawTTM to 30 Jun 2026
P/B
1.7x
computed by olivLawbalance sheet at 30 Jun 2026
P/S
unavailable
input data missing
Dividend yield
1.1%
computed by olivLawTTM to 30 Jun 2026
Shareholder yield (distributions)
2.8%
computed by olivLawTTM to 30 Jun 2026 · balance sheet at 30 Jun 2026

Banking

Net interest margin
5.6%
computed by olivLawTTM to 30 Jun 2026 · balance sheet at 30 Jun 2026
Cost-to-income
64.7%
computed by olivLawTTM to 30 Jun 2026
Loan-to-deposit
89.9%
computed by olivLawbalance sheet at 30 Jun 2026
NPL ratio
unavailable
input data missing
CET1 ratio
unavailable
input data missing
Cost of risk
unavailable
input data missing

32 indicators that do not apply to the sector.

Valuation

olivLaw classification

Neutral profile

Score: 45 / 100

A scoring methodology on indicators and valuation, not investment advice.

Closing price

43.11 USD

02 Nov 2026Source: olivLaw, closing series

Market cap: 702.3 m USD

Key indicators

Market capitalisation
702.3 m USD
computed by olivLawbalance sheet at 30 Jun 2026
P/E (TTM)
12.7x
computed by olivLawTTM to 30 Jun 2026
P/B
1.7x
computed by olivLawbalance sheet at 30 Jun 2026
ROE
14.1%
computed by olivLawTTM to 30 Jun 2026 · balance sheet at 30 Jun 2026
Net margin
unavailable
input data missing
Revenue growth (YoY)
unavailable
input data missing
Dividend yield
1.1%
computed by olivLawTTM to 30 Jun 2026

Coverage and freshness

15/20 reporting lines present
Latest full fiscal year: 2025
Latest reported period: 30 Jun 2026
Latest balance sheet date: 30 Jun 2026
Share count (cover of the latest filing), as of: 05 Aug 2026
Source: SEC (XBRL)published 07 Aug 2026
verified 1119derived 72

Score by group

  • Quality64
  • Growth45
  • Valuation28
  • Balance sheet25
  • Returns12

Estimated value range

Low
31.91
USD per share
Mid
35.91
USD per share
High
40.12
USD per share
Price: 43.11 USD
The price is above the range
Potential to the central value: -16.7% (value / price − 1)
Margin of safety: -20.0% (1 − price / value)
Agreement between methods: high · 4 methods used · 3 independent bases

The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 26.32 – 51.63 USD.

Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).

Valuation assumptions are editorial choices, not measured; beta is not measured.

Method ranges (USD per share)

— — Mid · ▏ Price

Valuation methods

  • Residual income28.15 – 29.46 (Mid 28.79)
  • Justified P/B38.39 – 51.63 (Mid 44.03)
  • Dividend discount (DDM)outside the aggregate5.78 – 7.78 (Mid 6.63)
    a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
  • Peers: P/E35.68 – 44.02 (Mid 40.57)
    33 companies used · median multiple 11.9x · quartiles 10.5x – 12.9x
    ASRV, BAC, CASH, CBU, CFBK, CFR, CHCO, COF, DCBG, FHN, FULT, HAFC, HBAN, JPM, KEY, LCNB, MRBK, NBHC, NBTB, NKSH, ONB, PNC, PRK, RF, SFST, SHBI, SNUS-PH, TBBK, USB, WAFD, WFC, WSFS, ZION
  • Peers: P/B26.32 – 36.22 (Mid 31.25)
    33 companies used · median multiple 1.2x · quartiles 1.0x – 1.4x
    ASRV, BAC, BANC, C, CARE, CASH, CBU, CFBK, COF, DCBG, FHN, FULT, HAFC, HBAN, KEY, LCNB, MRBK, NBHC, NBTB, NKSH, ONB, PNC, PRK, RF, SFST, SHBI, SNUS-PH, UBS, USB, WAFD, WFC, WSFS, ZION
Multiple comparisons use the SIC vertical: National Commercial Banks (SIC 6021)

Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.

Assumptions (illustrative, editorial)

Risk-free rate
4.3%
Equity risk premium
5.0%
Beta (default)
1.00
Cost of equity
9.3%
Terminal growth
2.5%

Factor scorecard

Neutral profile · Score 45/100

FactorValueScoreWeight used
ROE · Quality14.1%82 (vs peers)21%
ROA · Quality1.5%82 (on a fixed band)8%
Cost-to-income · Quality64.7%1 (on a fixed band)13%
Net interest margin · Quality5.6%100 (on a fixed band)8%
EPS CAGR 3Y · Growth5.4%45 (on a fixed band)10%
Revenue CAGR 3Y · Growthunavailableunavailable—
NPL ratio · Balance sheetunavailableunavailable—
Cost of risk · Balance sheetunavailableunavailable—
Loan-to-deposit · Balance sheet89.9%25 (on a fixed band)5%
P/B · Valuation1.7x19 (vs peers)13%
P/E (TTM) · Valuation12.7x36 (vs peers)13%
Dividend yield · Returns1.1%12 (vs peers)10%

Factors without a value were dropped; the remaining weights were renormalised.

Score groups

  • Balance sheet· partial25/100 · 1/3 factors with a value
  • Growth· partial45/100 · 1/2 factors with a value
  • Quality64/100 · 4/4 factors with a value
  • Returns12/100 · 1/1 factors with a value
  • Valuation28/100 · 2/2 factors with a value

A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.

Memo

CAPITAL BANCORP INC (CBNK). Latest full fiscal year: 2025; data up to 2026-06-30.

Figures computed from the financial statements: net interest income 196.0 m USD in 2025; ROE 14.1%.

The estimated value range is 31.91–40.12 USD per share (median of 4 methods, agreement: high); assumptions are illustrative. Against the central value of 35.91 USD, the price of 43.11 USD leaves a potential of -16.7% (value / price − 1) and a margin of safety of -20.0% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.

olivLaw score 45/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance, growth. Not investment advice.

Text generated deterministically from the figures shown; no language model. Not investment advice.

What supports the thesis

  • ROE: 14.1%
  • ROA: 1.5%
  • Net interest margin: 5.6%

What contradicts it

  • Cost-to-income: 64.7%
  • Loan-to-deposit: 89.9%
  • P/B: 1.7x
  • Dividend yield: 1.1%
  • The price is above the estimated value range

Not assessed (insufficient data or a ratio without meaning): Revenue CAGR 3Y, NPL ratio, Cost of risk.

Versus the vertical median

National Commercial Banks (SIC 6021) · same industry (4-digit SIC) · compared with 39 companies

Multiples and returns vs the median

P/E
12.7x
vertical median 11.9x
above median (+6.2%)
EV/EBITDA
—
vertical median —
P/S
—
vertical median 5.2x
P/B
1.7x
vertical median 1.2x
above median (+36.2%)
ROE
14.1%
vertical median 11.3%
above median (+24.9%)
Net margin
—
vertical median 35.7%
EBIT margin
—
vertical median —
Revenue YoY
—
vertical median 7.1%
Net debt/EBITDA
—
vertical median —
Dividend yield
1.1%
vertical median 2.7%
below median (−59.4%)

Price rebased to 100 (monthly, 5 years)

Companies in the vertical

Market capP/EROENet marginRevenue YoY1A / 3A
JPMJpmorgan Chase & Co905.3 bn14.517.8%35.7%+2.8%+9% / +118%
BACBofA Finance LLC342.0 bn11.710.8%26.8%+6.8%−8% / +63%
WFCWells Fargo & Company257.8 bn12.012.9%—−1.6%+0% / +93%
CCitigroup Inc215.3 bn17.66.8%16.8%+5.6%+19% / +167%
UBSUBS Group AG162.0 bn20.58.9%—+7.0%+26% / +72%
COFCapital One Financial Corp129.3 bn12.99.4%17.0%+36.6%−4% / +89%
USBUs Bancorp \de\94.2 bn11.912.7%27.5%+4.4%+23% / +59%
PNCPnc Financial Services Group, Inc.92.4 bn12.512.6%30.6%+7.2%+21% / +73%
HBANHuntington Bancshares Incorporated32.3 bn12.99.1%133.3%+6.4%−2% / +42%
RFRegions Financial Corporation24.7 bn11.711.9%—+23.8%+14% / +74%
KEYKeycorp22.9 bn12.310.3%26.0%+62.7%+17% / +73%
FHNFirst Horizon Corp11.2 bn11.311.6%29.9%+7.2%+6% / +85%
SNUS-PHSantander Holdings USA, Inc.11.0 bn6.210.8%—unavailableunavailable / unavailable
CFRCullen/Frost Bankers, Inc.10.0 bn14.816.3%29.5%+8.3%+30% / +63%
ONBOld National Bancorp9.7 bn10.511.5%—+6.1%+19% / +73%
ZIONZions Bancorporation, National Association9.7 bn8.516.4%168.7%+3.6%+25% / +86%
FULTFulton Financial Corp4.6 bn11.511.1%137.0%−6.5%+33% / +69%
WSFSWsfs Financial Corp4.1 bn13.511.9%—+50.2%+44% / +109%
CBUCommunity Financial System, Inc.3.4 bn15.011.5%26.6%+9.6%+14% / +45%
PRKPark National Corporation3.3 bn16.411.0%25.8%+2.9%+19% / +65%
BANCBanc Of California, Inc.2.9 bn—-0.7%-1.4%−3.8%+0% / +60%
NBTBNbt Bancorp Inc2.8 bn13.111.4%117.1%+10.4%+29% / +50%
WAFDWaFd, Inc.2.2 bn9.48.5%810.8%+7.8%−4% / +14%
CHCOCity Holding Company2.0 bn15.916.8%177.4%+3.2%+20% / +51%
TBBKThe Bancorp, Inc.1.9 bn8.729.6%164.3%+20.8%−28% / +18%

1- and 3-year price returns: for CBNK from daily closes (the same as the performance table), for the other companies from month-end closes.

olivLaw engine forecast

The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.

The engine has no published run for this company yet.

Valuation scenarios (editable assumptions)

Illustrative scenarios

Scenarios are not available. input data missing

AI analysis

AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.

In brief

Capital Bancorp is the holding company for Capital Bank, N.A., a commercial-focused bank in the Washington, D.C. and Baltimore areas with national consumer lines in credit cards and mortgages. The company now has a pending merger agreement with Peoples Bancorp, so its outlook depends heavily on whether that deal closes 13.

SWOT

Strengths

  • The company reported strong profit and revenue growth in 2025, supported by both organic expansion and acquisitions 1. Diversification into fee and national lending platforms gives it a broader revenue base.
  • The bank holds a solid position in commercial lending in the Washington, D.C. and Baltimore areas, with long-standing client relationships 1.
  • The Windsor Advantage™ division earns servicing income on SBA and USDA loans, with a growing servicing portfolio 1.

Weaknesses

  • A significant portion of deposits is uninsured, which could expose the bank to rapid withdrawals during periods of stress 1.
  • Geographic concentration in the Washington, D.C. and Baltimore areas makes the company sensitive to local economic downturns 1.
  • The company disclosed a material weakness in internal control over financial reporting that it still needs to remediate 2.

Opportunities

  • The merger agreement with Peoples Bancorp could create operating synergies and expand the client base if approved 3.
  • Expanding national credit and servicing platforms for client financial institutions could generate additional fee income 1.
  • The pending sale of a Chicago branch could bring a deposit premium and simplify the operating footprint 3.

Threats

  • Federal budget cuts and government shutdowns can affect clients in the Washington, D.C. area 1.
  • Deposit pressure and shifts in the interest rate environment can raise funding costs and compress margins 2.
  • Credit risk in construction and commercial real estate loans could require higher loan loss provisions 1.

Risks

  • Merger completion riskhigh

    The deal with Peoples is subject to regulatory approvals, shareholder approval and other closing conditions, which could delay or prevent completion 3.

  • Deposit riskhigh

    A significant share of deposits is uninsured, and withdrawals could occur quickly amid negative news or sector events 1.

  • Credit riskmedium

    The commercial and construction portfolios could suffer unexpected losses if the local economy weakens, which could require larger provisions 1.

  • Regulatory riskmedium

    The bank is subject to extensive supervision, and regulatory changes or examinations could impose additional capital or provisioning requirements 1.

  • Internal controlmedium

    The company has noted the need to remediate a material weakness in internal control over financial reporting, which could affect confidence in its reporting 2.

Investment thesis

What would need to be true (bull case)

  • If the Peoples merger closes on the announced terms, shareholders could receive a high implied value per share 3.
  • Growth in fee and servicing income could reduce reliance on net interest margin if the trend continues 2.
  • Organic growth in commercial loans and client deposits could support profitability over the medium term 2.

What would break the thesis

  • If the merger does not close, the company could remain with an uncertain structure and outlook, without the announced synergies 3.
  • The decline in client deposits in the third quarter of 2026 could signal funding pressure 2.
  • Exposure to the Washington, D.C. area and to government contractors could amplify losses if the local economy deteriorates 1.

What to watch

  • Completion of the Peoples Bancorp merger and regulatory approvals2027
  • Trend in client deposits and cost of fundingQ4 2026
  • Remediation of the material weakness in internal controlnext 10-K
  • Quality of the commercial and construction loan portfolioQ1 2027

Products, market & competition

AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.

The business

Capital Bancorp, Inc. is a bank holding company headquartered in Rockville, Maryland, operating mainly through Capital Bank, N.A., a commercial-focused bank serving businesses in the Washington, D.C. and Baltimore metropolitan areas 1. It runs four divisions and reporting segments: Commercial Banking, OpenSky™, Windsor Advantage™ and Capital Bank Home Loans 1. Its model combines relationship commercial lending with national credit card and mortgage platforms 1.

Market context

The bank's core market is the Washington, D.C. and Baltimore metropolitan areas, where the economy partly depends on federal contractors and federal employees 1. The company also extends its reach nationally through specialized verticals, and its growth was supported by the October 2024 IFH acquisition 12.

Trends

  • Merger with Peoples Bancorpmixed

    The agreement announced on September 29, 2026 provides for an all-stock transaction with Peoples Bancorp, which could substantially change the company's structure and prospects if completed 3.

  • Pressure on net interest marginheadwind

    The net interest margin declined in 2025 as acquired commercial loans diluted the OpenSky™ effect, showing sensitivity of revenue to the rate environment 1. If the pressure continues, interest income could be affected.

  • Growth in fee revenuetailwind

    Fee revenue grew in the third quarter of 2026, supported by government lending, loan servicing rights, credit card fees and USDA fees 2. This diversification could support profitability if the trend holds.

  • Federal economic uncertaintyheadwind

    Federal workforce reductions and budget disruptions may weigh on the Washington, D.C. economy, where many clients depend on government contracts 1. Such a decline could increase credit losses.

Competitive position

The company cites competition from regional and national banks, financial holding companies and other traditional and non-traditional financial service providers 2. Competition is especially intense in commercial lending in the Washington, D.C. and Baltimore areas 12.

  • Peoples Bancorp, Inc.PEBO

    Acquirer named in the merger agreement announced in September 2026, which would acquire the company in an all-stock deal 3.

  • Regional and national banks

    Competitors cited by the company for deposits and commercial loans, with no specific entity named in the sources 2.

  • Financial holding companies

    Financial services firms cited as competitors in the company's filings, with no specific entity identified 2.

  • Non-traditional financial service providers

    Fintech and other operators cited as competition, especially for digital consumer credit 2.

News & filings

In the press

No news in our archive over the last 180 days.

SEC filings

Sources

  1. [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Capital Bancorp, Inc. · 16 Mar 2026
  2. [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Capital Bancorp, Inc. · 07 Aug 2026
  3. [3] Form 8-K, results release (exhibit 99.1) · SEC / Capital Bancorp, Inc. · 26 Oct 2026

Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.

Capital Bancorp, Inc. (CBNK): stock, results, valuation and forecast · olivLaw