Capital Bancorp (CBNK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Capital Bancorp stock (CBNK) is currently trading at $29.43. Capital Bancorp PE ratio is 8.42. Capital Bancorp PS ratio (Price-to-Sales) is 2.06. Analyst consensus price target for CBNK is $34.75. WallStSmart rates CBNK as Moderate Buy.
- CBNK PE ratio analysis and historical PE chart
- CBNK PS ratio (Price-to-Sales) history and trend
- CBNK intrinsic value — DCF, Graham Number, EPV models
- CBNK stock price prediction 2025 2026 2027 2028 2029 2030
- CBNK fair value vs current price
- CBNK insider transactions and insider buying
- Is CBNK undervalued or overvalued?
- Capital Bancorp financial analysis — revenue, earnings, cash flow
- CBNK Piotroski F-Score and Altman Z-Score
- CBNK analyst price target and Smart Rating
Capital Bancorp
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CBNK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Capital Bancorp (CBNK)
CBNK trades at a significant discount to its Graham intrinsic value of $159.59, offering a 80% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Capital Bancorp (CBNK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Capital Bancorp (CBNK) Key Strengths (5)
Keeps $34 of every $100 in revenue after operating costs
Earnings per share surging 102.50% year-over-year
Keeps $25 of every $100 in revenue as net profit
Trading at 1.17x book value, attractively priced
Solid profitability: $15 profit per $100 equity
Supporting Valuation Data
Capital Bancorp (CBNK) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.06x sales
Solid revenue growth at 15.50% per year
Moderate institutional interest at 41.12%
Capital Bancorp (CBNK) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 5.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.17) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 15.10%, Operating Margin at 33.50%, Profit Margin at 24.80%. Growth metrics are encouraging with EPS Growth at 102.50%.
The Bear Case
The primary concerns are Market Cap, Price/Sales, Revenue Growth. Some valuation metrics including Price/Sales (2.06) suggest expensive pricing. Growth concerns include Revenue Growth at 15.50%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 15.10% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 15.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Market Cap, Price/Sales). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CBNK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CBNK's Price-to-Sales ratio of 2.06x sits near its historical average of 2.09x (44th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 30% below its historical high of 2.95x set in Nov 2021, and 46% above its historical low of 1.41x in Sep 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Capital Bancorp (CBNK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Capital Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 230M with 16% growth year-over-year. Profit margins are strong at 24.8%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1510.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 24.8% and operating margin of 33.5% demonstrate strong pricing power and operational efficiency.
Free cash flow is -29M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Dividend sustainability with a current yield of 153.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Capital Bancorp.
Bottom Line
Capital Bancorp offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Capital Bancorp(CBNK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Capital Bancorp, Inc. is the banking holding company for Capital Bank, NA that offers various banking products and services to businesses, nonprofits and entrepreneurs in the United States. The company is headquartered in Rockville, Maryland.