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what it is
Capital Bancorp is a Maryland bank that takes deposits, makes business and home loans, and runs the OpenSky secured card business.
how it gets paid
Last year Capital Bancorp made $213M in revenue.
what just happened
Estimated report date is Apr 27, 2026. Watch whether profitability stays near the Q3 2025 level while funding costs stay under control.
At a glance
B+ balance sheet — decent shape, but not bulletproof
70/100 earnings predictability — reasonably predictable
9.7x trailing p/e — the market's not buying it — or you found a deal
1.7% dividend yield — cash in your pocket every quarter
$2.12 FY2024 EPS (reported)
xvary composite: 58/100 — below average
What they do
Capital Bancorp is a Maryland bank that takes deposits, makes business and home loans, and runs the OpenSky secured card business.
Capital Bancorp wins by being compact. It has 389 employees, four branches, four mortgage offices, and one loan production office, yet EDGAR and consensus both show about $213M in trailing revenue. Deposits → your cash parked at the bank → funding for loans, so you get a relationship bank plus a card business without paying for a giant branch network.
How they make money
$213M
annual revenue
total revenue
$213M
n/a
The products that matter
makes commercial loans and gathers deposits
Commercial Banking
core bank engine
this is the heart of the franchise. The bank's 3.75% net interest margin and 55% efficiency ratio tell you the core spread business is working — as long as funding stays stable.
3.75% margin
secured credit cards and related deposits
Consumer Banking & OpenSky®
12.3% delinquency risk
OpenSky is the part of the story you can't ignore. A 12.3% delinquency rate means this book earns attention the hard way.
watch credit
funding base for the whole bank
Deposit Franchise
40.9% uninsured
deposits are the raw material for banking. When 40.9% of them are uninsured, the funding base can be more price-sensitive and more nervous than you want.
key risk
Key numbers
9.7x
trailing p/e
P/E → price compared with earnings → you are paying under 10 years of profit for the stock, which is cheap for a bank with a B+ balance sheet.
$34M
long-term debt
VL says long-term debt is just $34M, or 7% of capital, which means leverage is modest by bank standards.
1.7%
dividend yield
Yield → cash paid to shareholders → you get some return while waiting, but this is not a high-income story.
$2.12 vs ~$2.91
eps trend
FY2024-style EPS is well below the ~$2.91 neighborhood from 2022 in the hero above. Some data feeds still show different trailing aggregates—reconcile the period (GAAP vs adjusted) before trusting any multiple.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 65 / 100
- long-term debt $34M (7% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CBNK right now.
source: institutional data · return history unavailable
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What could go wrong
the #1 risk here is deposit flight from a 40.9% uninsured funding base.
high
Uninsured Deposit Concentration
40.9% of total deposits are uninsured. If those customers get nervous, the bank may need to pay up for funding or replace deposits with more expensive alternatives. That pressure goes straight at the 3.75% net interest margin.
This risk touches the funding base supporting the entire balance sheet, not a side business.
med
OpenSky Credit Card Delinquencies
The OpenSky secured credit card portfolio posted a 12.3% delinquency rate. That's the kind of number that can turn a useful niche business into a provisioning problem if it keeps moving the wrong way.
Credit weakness in this book would pressure earnings and reinforce the market's discount.
med
Commercial Real Estate Exposure
Commercial banking is a core business line, and this page flags commercial real estate as a risk area. We do not have the exact exposure split here, which limits precision, but that's still where regional banks often find unpleasant surprises.
Thin disclosure on the exact mix means you should treat any credit deterioration in the loan book seriously.
With 40.9% uninsured deposits and a 12.3% delinquency rate in OpenSky, this stock does not need a recession to stay cheap — it just needs the market to keep doubting the funding and credit mix.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings report
Estimated report date is Apr 27, 2026. Watch whether profitability stays near the Q3 2025 level while funding costs stay under control.
funding
uninsured deposit mix
40.9% is the number to watch. If that share moves lower, the balance sheet story gets cleaner fast.
credit
OpenSky delinquency trend
The current marker is 12.3%. Flat is manageable. Higher means the cheap multiple probably stays cheap.
valuation
gap to street targets
Vendor target grids vary, and the price-target bar above is n/a—treat any single dollar target as a feed artifact until you reconcile the same period and multiple.
Analyst rankings
earnings predictability
70 / 100
in human-speak, the numbers are stable enough to model but not stable enough to relax.
balance sheet view
B+
better than fragile, worse than fortress. That's why the funding mix matters so much.
valuation setup
~9.7x trailing P/E
the stock looks cheap on trailing profit—aligned to the 9.7x line in at a glance and key numbers, not a mismatched 8.5x feed.
source: institutional data
Institutional activity
institutional ownership data for CBNK is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$28
current price
n/a
target midpoint · n/a from current
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