CBNK Capital Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$40.45
· of 52w range
· above low
· to high
$26.4052w low
$40.7052w high
Market Cap (MRQ)
$659M
P/E
11.8
EPS
$3.41
your badges
52W Range
$26–$41
Analyst Rating
BUY
Price Target
$42
P/E
11.8
ROE
14.6%
Net Profit Margin
23.3%
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CBNK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$40.45
Market Cap (MRQ)
$659M
P/E
11.8
EPS
$3.41
Div Yield
1.1%
ROE
14.6%
52W Range
$26–$41
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$3.412023-12-31 → 2025-12-31
Net margin23.3%2023-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | CBNK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.8 | · | 10.5 | Fair value | |
| P/S | 2.7 | · | 3.0 | Undervalued | |
| P/B (MRQ) | 1.6 | · | 1.3 | Overvalued | |
| Price / Cash Flow | 9.4 | · | 10.8 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.6 | · | · | · | |
| PEG Ratio | ≈0.9 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | CBNK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 30.6% | · | 36.3% | Weak | |
| Net Profit Margin | 23.3% | · | 31.4% | Weak | |
| ROA | 1.7% | · | 1.1% | Top tier | |
| ROE | 14.6% | · | 9.5% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | CBNK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 31.7% | · | · | · | |
| Revenue CAGR 3Y | 13.0% | · | · | · | |
| Revenue CAGR 5Y | 12.8% | · | · | · | |
| EPS YoY | 60.9% | · | · | · | |
| Net Income YoY | 84.6% | · | · | · | |
| EPS CAGR 3Y | 5.4% | · | · | · | |
| EPS CAGR 5Y | 12.8% | · | · | · | |
| Net Income CAGR 3Y | 11.0% | · | · | · | |
| Net Income CAGR 5Y | 17.2% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | CBNK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | · | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.1%
Payout Ratio12.8%
Annualized Payout≈$0.56
Growth Streak≈3
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 10, 2026 | $0.14 | USD | ≈1.3% |
| May 11, 2026 | $0.12 | USD | ≈1.6% |
| Feb 9, 2026 | $0.12 | USD | ≈1.4% |
| Nov 10, 2025 | $0.12 | USD | ≈1.6% |
| Aug 11, 2025 | $0.12 | USD | ≈1.3% |
| May 12, 2025 | $0.10 | USD | ≈1.2% |
| Feb 10, 2025 | $0.10 | USD | ≈1.2% |
| Nov 4, 2024 | $0.10 | USD | ≈1.4% |
| Aug 5, 2024 | $0.10 | USD | ≈1.4% |
| May 3, 2024 | $0.08 | USD | ≈1.6% |
| Feb 2, 2024 | $0.08 | USD | ≈1.5% |
| Nov 3, 2023 | $0.08 | USD | ≈1.3% |
| Aug 4, 2023 | $0.08 | USD | ≈1.3% |
| May 12, 2023 | $0.06 | USD | ≈1.5% |
| Feb 3, 2023 | $0.06 | USD | ≈1.0% |
| Nov 4, 2022 | $0.06 | USD | ≈0.93% |
| Aug 5, 2022 | $0.06 | USD | ≈0.88% |
| May 6, 2022 | $0.05 | USD | ≈0.90% |
| Feb 7, 2022 | $0.05 | USD | ≈0.60% |
| Nov 12, 2021 | $0.05 | USD | ≈0.36% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
1.3%
Next Report
Oct 26, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 16, 2026 | $0.87 | $0.84 | 3.8% |
| March 31, 2026 | $0.73 | $0.79 | -7.8% | |
| Dec. 31, 2025 | $0.91 | $0.80 | 13.1% | |
| Sept. 30, 2025 | $0.72 | $0.85 | -15.7% | |
| June 30, 2025 | $0.85 | $0.90 | -5.3% | |
| March 31, 2025 | $0.88 | $0.74 | 19.4% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income | · | $-4M | $-5M | $-4M | · | · | · | · | · | |
| Interest Expense | · | · | $42M | $10M | $7M | $13M | $16M | $11M | $8M | |
| Interest Income | $261M | $213M | $183M | $151M | $123M | $97M | $82M | $69M | $57M | |
| Pretax Income | $75M | $42M | $46M | $54M | $54M | $35M | $23M | $18M | $14M | |
| Income Tax | $18M | $11M | $10M | $12M | $14M | $9M | $6M | $5M | $7M | |
| Net Income | $57M | $31M | $36M | $42M | $40M | $26M | $17M | $13M | $7M | |
| EPS (Basic) | $3.45 | $2.12 | $2.56 | $2.98 | $2.90 | $1.87 | $1.23 | $1.05 | $0.63 | |
| EPS (Diluted) | $3.41 | $2.12 | $2.55 | $2.91 | $2.84 | $1.87 | $1.21 | $1.02 | $0.62 | |
| Shares (Basic) | 16,581,591 | 14,584,303 | 14,002,556 | 14,024,598 | 13,798,620 | 13,793,256 | 13,733,131 | 12,116,459 | 11,261,132 | |
| Shares (Diluted) | 16,767,565 | 14,640,177 | 14,080,547 | 14,362,203 | 14,081,403 | 13,800,176 | 13,968,585 | 12,462,138 | 11,428,000 | |
| EBITDA | · | $-4M | $-5M | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | · | $35M | $52M | |
| PP&E (Net) | $15M | $16M | $5M | $3M | $3M | $4M | $6M | $3M | $3M | |
| PP&E (Gross) | · | · | · | · | · | · | · | $9M | $8M | |
| Accum. Depreciation | · | · | · | · | · | · | · | $6M | $5M | |
| Goodwill | $26M | $21M | $0 | $0 | · | · | · | · | · | |
| Intangibles | $15M | $16M | · | · | · | · | · | · | · | |
| Total Assets | $3.61B | $3.21B | $2.23B | $2.12B | $2.06B | $1.88B | $1.43B | $1.11B | $1.03B | |
| Total Liabilities | $3.20B | $2.85B | $1.97B | $1.90B | $1.86B | $1.72B | $1.29B | $990M | $946M | |
| Common Stock | $164.0K | $167.0K | $139.0K | $141.0K | $140.0K | $138.0K | $139.0K | $137.0K | $115.0K | |
| Paid-in Capital | $115M | $124M | $54M | $58M | $54M | $51M | $52M | $49M | $27M | |
| Retained Earnings | $293M | $243M | $213M | $182M | $145M | $107M | $82M | $66M | $53M | |
| AOCI | $-6M | $-11M | $-13M | $-17M | $-1M | $2M | $13.0K | $-595.0K | $-247.0K | |
| Stockholders' Equity | $402M | $355M | $255M | $224M | $198M | $159M | $133M | $115M | $80M | |
| Liabilities + Equity | $3.61B | $3.21B | $2.23B | $2.12B | $2.06B | $1.88B | $1.43B | $1.11B | $1.03B | |
| Shares Outstanding | 16,373,288 | 16,662,626 | 13,922,532 | 14,138,829 | 13,962,334 | 13,753,529 | 13,894,842 | 13,672,479 | 11,537,196 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $2M | $2M | $2M | $2M | $1M | $983.0K | $795.0K | $570.0K | $506.0K | |
| Deferred Tax | $1M | $-2M | $142.0K | $1M | $-2M | $-3M | $-839.0K | $-141.0K | $-239.0K | |
| Amort. of Intangibles | $1M | $262.0K | $0 | · | · | · | · | · | · | |
| Operating Cash Flow | $70M | $35M | $47M | $51M | $132M | $5M | $-27M | $28M | $35M | |
| CapEx | · | · | · | · | · | · | · | $2M | $1M | |
| Investing Cash Flow | $-351M | $-270M | $-131M | $-198M | $-238M | $-386M | $-188M | $-109M | $-133M | |
| Stock Issued | · | · | · | · | · | · | $0 | $198.0K | $0 | |
| Stock Repurchased | $12M | $1M | $9M | $0 | $0 | $4M | $371.0K | $45.0K | $512.0K | |
| Net Stock Activity | $-12M | $-1M | $-9M | · | $0 | $-4M | $-371.0K | $153.0K | · | |
| Dividends Paid | $7M | $5M | $4M | $3M | $1M | $0 | · | · | · | |
| Financing Cash Flow | $331M | $386M | $57M | $44M | $143M | $412M | $295M | $63M | $113M | |
| Net Change in Cash | $50M | $151M | $-26M | $-103M | $36M | $32M | $80M | $-18M | $14M | |
| Taxes Paid | $19M | $9M | $8M | $12M | $16M | $12M | $5M | $3M | $8M | |
| Free Cash Flow | · | · | · | · | · | · | · | $27M | · | |
| Levered FCF | · | · | · | · | · | · | · | $18M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | · | -2.0% | -2.8% | · | · | · | · | · | · | |
| Net Margin | 23.3% | 16.6% | 21.5% | 24.6% | 23.9% | 17.8% | 18.4% | 17.2% | · | |
| Pretax Margin | 30.6% | 22.5% | 27.8% | 31.9% | 32.2% | 24.2% | 24.7% | 24.0% | · | |
| EBITDA Margin | · | -2.0% | -2.8% | · | · | · | · | · | · | |
| ROA | 1.7% | 1.1% | 1.6% | 2.0% | 1.9% | 1.4% | 1.2% | 1.2% | · | |
| ROE | 14.6% | 9.8% | 14.4% | 19.1% | 20.7% | 16.7% | 12.9% | 11.5% | · | |
| ROIC | · | -0.77% | -1.4% | · | · | · | · | · | · |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | -0.1 | · | · | · | · | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $24.54 | $21.31 | $18.31 | $15.84 | $14.17 | $11.58 | $9.60 | $8.38 | · | |
| Revenue / Share | $14.62 | $12.72 | $11.82 | $11.84 | $11.88 | $10.52 | $6.59 | $5.94 | · | |
| Cash Flow / Share | $4.16 | $2.39 | $3.37 | $3.58 | $9.38 | $0.40 | $-1.89 | $2.27 | · | |
| Cash / Share | · | · | · | · | · | · | · | $2.54 | · | |
| Dividend Paid / Share | $0.44 | $0.36 | $0.28 | $0.22 | $0.10 | · | · | · | · | |
| EPS (TTM) | $3.41 | $2.12 | $2.55 | $2.91 | $2.84 | $1.87 | $1.21 | $1.02 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 31.7% | 11.8% | -2.1% | 1.6% | 24.7% | · | · | · | · | |
| Revenue CAGR 3Y | 13.0% | 3.6% | 7.4% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 12.8% | · | · | · | · | · | · | · | · | |
| EPS YoY | 60.9% | -16.9% | -12.4% | 2.5% | 51.9% | · | · | · | · | |
| EPS CAGR 3Y | 5.4% | -9.3% | 10.9% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 12.8% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 84.6% | -13.7% | -14.2% | 4.6% | 54.8% | · | · | · | · | |
| Net Income CAGR 3Y | 11.0% | -8.2% | 11.6% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 17.2% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $245M | $186M | $167M | $170M | $167M | $134M | $92M | $74M | · | |
| Net Income TTM | $57M | $31M | $36M | $42M | $40M | $26M | $17M | $13M | · | |
| Market Cap | $461M | $475M | $337M | $333M | $366M | $192M | $207M | $156M | · | |
| P/E | 8.3 | 13.4 | 9.5 | 8.1 | 9.2 | 7.4 | 12.3 | 11.2 | · | |
| P/S | 1.9 | 2.6 | 2.0 | 2.0 | 2.2 | 1.4 | 2.2 | 2.1 | · | |
| P/B | 1.1 | 1.3 | 1.3 | 1.5 | 1.8 | 1.2 | 1.6 | 1.4 | · | |
| P / Tangible Book | 1.3 | 1.5 | 1.3 | 1.5 | 1.8 | 1.2 | · | · | · | |
| P / Cash Flow | 6.6 | 13.6 | 7.1 | 6.5 | 2.8 | 35.1 | -7.9 | 5.5 | · | |
| P / FCF | · | · | · | · | · | · | · | 5.9 | · | |
| Dividend Yield | 1.6% | 1.1% | 1.2% | 0.93% | 0.38% | 0.00% | · | · | · | |
| Earnings Yield | 12.1% | 7.4% | 10.5% | 12.4% | 10.8% | 13.4% | 8.1% | 8.9% | · | |
| Payout Ratio | 12.8% | 17.0% | 10.9% | 7.4% | 3.5% | · | · | · | · | |
| Annual Payout | $7M | $5M | $4M | $3M | $1M | $0 | · | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income | · | · | · | $-923.0K | $-933.0K | $-903.0K | · | $-1M | $-782.0K | $-931.0K | $-1M | $-953.0K | $-1M | $-964.0K | · | · | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $13M | · | $11M | $10M | $9M | $6M | $2M | |
| Interest Income | $70M | $68M | $69M | $65M | $65M | $63M | $62M | $53M | $51M | $48M | $47M | $48M | $45M | $43M | $41M | $38M | |
| Pretax Income | $18M | $16M | $20M | $20M | $17M | $18M | $11M | $11M | $11M | $9M | $11M | $13M | $10M | $13M | $12M | $14M | |
| Income Tax | $4M | $4M | $5M | $5M | $4M | $4M | $3M | $3M | $3M | $2M | $2M | $3M | $2M | $3M | $3M | $3M | |
| Net Income | $14M | $12M | $15M | $15M | $13M | $14M | $8M | $9M | $8M | $7M | $9M | $10M | $7M | $10M | $9M | $11M | |
| EPS (Basic) | $0.87 | $0.74 | $0.91 | $0.91 | $0.79 | $0.84 | $0.44 | $0.62 | $0.59 | $0.47 | $0.65 | $0.70 | $0.52 | $0.69 | $0.64 | $0.79 | |
| EPS (Diluted) | $0.87 | $0.73 | $0.92 | $0.89 | $0.78 | $0.82 | $0.44 | $0.62 | $0.59 | $0.47 | $0.65 | $0.70 | $0.52 | $0.68 | $0.63 | $0.77 | |
| Shares (Basic) | 16,287,884 | 16,345,156 | · | 16,585,538 | 16,583,894 | 16,665,528 | · | 13,913,639 | 13,894,858 | 13,918,724 | · | 13,932,848 | 14,024,824 | 14,159,383 | · | 14,030,408 | |
| Shares (Diluted) | 16,372,900 | 16,440,911 | · | 16,844,035 | 16,801,902 | 16,925,454 | · | 13,950,900 | 13,894,858 | 13,918,724 | · | 14,023,906 | 14,058,928 | 14,272,292 | · | 14,374,980 | |
| EBITDA | · | · | · | $-923.0K | $-933.0K | $-903.0K | · | $-1M | $-782.0K | $-931.0K | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $18M | $18M | $15M | $15M | $15M | $15M | $16M | $6M | $6M | $4M | $5M | $5M | $5M | $5M | $3M | $3M | |
| Goodwill | $26M | $26M | $26M | $26M | $22M | $24M | $21M | · | · | · | $0 | · | · | · | · | · | |
| Intangibles | $14M | $15M | $15M | $15M | $15M | $16M | $16M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $3.89B | $3.81B | $3.61B | $3.39B | $3.39B | $3.35B | $3.21B | $2.56B | $2.44B | $2.32B | $2.23B | $2.27B | $2.23B | $2.25B | $2.12B | $2.01B | |
| Total Liabilities | $3.47B | $3.40B | $3.20B | $2.99B | $3.01B | $2.98B | $2.85B | $2.28B | $2.17B | $2.06B | $1.97B | $2.03B | $1.99B | $2.01B | $1.90B | $1.80B | |
| Common Stock | $163.0K | $163.0K | $164.0K | $166.0K | $166.0K | $167.0K | $167.0K | $139.0K | $139.0K | $139.0K | $139.0K | $139.0K | $140.0K | $141.0K | $141.0K | $140.0K | |
| Paid-in Capital | $113M | $112M | $115M | $127M | $127M | $129M | $124M | $56M | $55M | $54M | $54M | $55M | $56M | $57M | $58M | $57M | |
| Retained Earnings | $315M | $303M | $293M | $274M | $261M | $250M | $243M | $233M | $226M | $219M | $213M | $206M | $197M | $191M | $182M | $175M | |
| AOCI | $-6M | $-6M | $-6M | $-7M | $-8M | $-9M | $-11M | $-9M | $-13M | $-14M | $-13M | $-18M | $-16M | $-14M | $-17M | $-18M | |
| Stockholders' Equity | $422M | $409M | $402M | $395M | $380M | $370M | $355M | $280M | $268M | $259M | $255M | $243M | $237M | $235M | $224M | $214M | |
| Liabilities + Equity | $3.89B | $3.81B | $3.61B | $3.39B | $3.39B | $3.35B | $3.21B | $2.56B | $2.44B | $2.32B | $2.23B | $2.27B | $2.23B | $2.25B | $2.12B | $2.01B | |
| Shares Outstanding | 16,289,288 | 16,286,480 | 16,373,288 | 16,589,241 | 16,581,990 | 16,657,168 | 16,662,626 | 13,917,891 | 13,910,467 | 13,889,563 | 13,922,532 | 13,896,062 | 13,981,414 | 14,083,037 | 14,138,829 | 14,038,599 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $985.0K | $512.0K | $378.0K | $823.0K | $0 | $407.0K | $473.0K | $475.0K | $475.0K | $472.0K | $440.0K | $441.0K | $438.0K | $438.0K | $415.0K | $415.0K | |
| Deferred Tax | $-913.0K | $-436.0K | $-450.0K | $2M | $-109.0K | $1.0K | $-2M | $-21.0K | $-3.0K | $-7.0K | $218.0K | $0 | $-11.0K | $-65.0K | $-24.0K | $318.0K | |
| Amort. of Intangibles | $261.0K | $260.0K | $262.0K | $262.0K | $261.0K | $261.0K | $262.0K | $0 | $0 | $0 | · | · | · | · | · | · | |
| Operating Cash Flow | $-5M | $22M | $18M | $33M | $-4M | $23M | $26M | $-464.0K | $13M | $-3M | $6M | $22M | $8M | $10M | $6M | $16M | |
| Investing Cash Flow | $-53M | $-72M | $-141M | $-88M | $-60M | $-61M | $-63M | $-84M | $-66M | $-58M | $-39M | $-26M | $-7M | $-59M | $-68M | $-78M | |
| Stock Repurchased | $36.0K | $4M | $9M | $-312.0K | $3M | $618.0K | $0 | $0 | $0 | $1M | $2M | $2M | $2M | $3M | $0 | $0 | |
| Net Stock Activity | · | $-4M | · | · | · | $-618.0K | · | · | · | $-1M | · | · | · | $-3M | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $843.0K | $850.0K | $843.0K | $842.0K | |
| Financing Cash Flow | $77M | $194M | $190M | $-31M | $45M | $127M | $86M | $104M | $104M | $92M | $-59M | $31M | $-23M | $108M | $105M | $-152M | |
| Net Change in Cash | $19M | $144M | $67M | $-86M | $-19M | $89M | $49M | $20M | $51M | $31M | $-92M | $27M | $-21M | $60M | $43M | $-214M | |
| Taxes Paid | $8M | $40.0K | $3M | $-875.0K | $17M | $8.0K | $627.0K | $8M | $18.0K | $36.0K | $0 | $2M | $6M | $35.0K | $3M | $4M |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | · | · | · | -1.5% | -1.5% | -1.5% | · | -2.2% | -1.8% | -2.3% | · | · | · | · | · | · | |
| Net Margin | 21.8% | 19.1% | · | 23.9% | 21.6% | 23.8% | · | 19.3% | 18.7% | 16.0% | · | 22.7% | 17.4% | 24.0% | · | 25.3% | |
| Pretax Margin | 28.3% | 25.3% | · | 31.5% | 28.1% | 31.2% | · | 25.6% | 24.9% | 21.0% | · | 29.6% | 22.8% | 31.2% | · | 33.0% | |
| EBITDA Margin | · | · | · | -1.5% | -1.5% | -1.5% | · | -2.2% | -1.8% | -2.3% | · | · | · | · | · | · | |
| ROA | 0.39% | 0.34% | · | 0.51% | 0.45% | 0.49% | · | 0.36% | 0.35% | 0.29% | · | 0.46% | 0.33% | 0.45% | · | 0.53% | |
| ROE | 3.5% | 3.1% | · | 4.5% | 4.1% | 4.4% | · | 3.3% | 3.2% | 2.7% | · | 4.3% | 3.3% | 4.5% | · | 5.5% | |
| ROIC | · | · | · | -0.18% | -0.19% | -0.19% | · | -0.27% | -0.22% | -0.27% | · | · | · | · | · | · |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | · | · | · | · | · | · | · | -0.1 | · | · | · | · | · | · |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $25.92 | $25.10 | · | $23.80 | $22.92 | $22.19 | · | $20.13 | $19.26 | $18.68 | · | $17.48 | $16.98 | $16.65 | · | $15.24 | |
| Revenue / Share | $3.99 | $3.82 | · | $3.75 | $3.62 | $3.46 | · | $3.22 | $3.16 | $2.94 | · | $3.08 | $2.99 | $2.84 | · | $3.05 | |
| Cash Flow / Share | · | $1.32 | · | · | · | $1.33 | · | · | · | $-0.25 | · | · | · | $0.73 | · | · | |
| Dividend Paid / Share | $0.12 | $0.12 | $0.12 | $0.12 | $0.10 | $0.10 | $0.10 | $0.10 | $0.08 | $0.08 | $0.08 | $0.08 | $0.06 | $0.06 | $0.06 | $0.06 | |
| EPS (TTM) | $3.41 | $3.32 | · | $2.93 | $2.66 | $2.47 | · | $2.33 | $2.41 | $2.34 | · | $2.53 | $2.60 | $2.88 | · | $3.00 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $254M | $249M | · | $239M | $221M | $204M | · | $171M | $169M | $167M | · | $166M | $167M | $169M | · | $172M | |
| Net Income TTM | $56M | $55M | · | $50M | $43M | $38M | · | $32M | $34M | $33M | · | $36M | $37M | $41M | · | $43M | |
| Market Cap | $572M | $484M | · | $529M | $557M | $472M | · | $358M | $285M | $289M | · | $266M | $253M | $234M | · | $324M | |
| P/E | 10.3 | 9.0 | · | 10.9 | 12.6 | 11.5 | · | 11.0 | 8.5 | 8.9 | · | 7.6 | 7.0 | 5.8 | · | 7.7 | |
| P/S | 2.3 | 1.9 | · | 2.2 | 2.5 | 2.3 | · | 2.1 | 1.7 | 1.7 | · | 1.6 | 1.5 | 1.4 | · | 1.9 | |
| P/B | 1.4 | 1.2 | · | 1.3 | 1.5 | 1.3 | · | 1.3 | 1.1 | 1.1 | · | 1.1 | 1.1 | 1.0 | · | 1.5 | |
| P / Tangible Book | 1.5 | 1.3 | · | 1.5 | 1.6 | 1.4 | · | 1.3 | 1.1 | 1.1 | · | 1.1 | 1.1 | 1.0 | · | 1.5 | |
| P / Cash Flow | · | 22.2 | · | · | · | 20.9 | · | · | · | -84.8 | · | · | · | 22.6 | · | · | |
| Dividend Yield | 1.4% | 1.6% | · | 1.3% | 1.1% | 1.2% | · | 1.3% | 1.6% | 1.5% | · | 1.4% | 1.3% | 1.4% | · | 0.91% | |
| Earnings Yield | 9.7% | 11.2% | · | 9.2% | 7.9% | 8.7% | · | 9.1% | 11.8% | 11.2% | · | 13.2% | 14.4% | 17.3% | · | 13.0% | |
| Payout Ratio | · | 16.3% | · | · | · | 12.0% | · | · | · | 17.0% | · | · | · | 8.7% | · | · | |
| Annual Payout | $8M | $8M | · | $7M | $6M | $6M | · | $5M | $4M | $4M | · | $4M | $3M | $3M | · | $3M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Operating Margin % | · | · | · | -2.0% | · |
| Net Income | $57M | · | · | $31M | · |
| Diluted EPS | $3.41 | · | · | $2.12 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
No data for this statement
Not enough fundamentals data to build this statement yet.
Institutional owners (13F) 135 filers · $274.1M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
135
Value held
$274.1M
New positions
20
Exited positions
13
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 20 (-1 vs prior Q) | 13 (+9 vs prior Q) | 50 (+14 vs prior Q) | 31 (-14 vs prior Q) | +191K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $27,624,986 | 786,588 | 10.08% | Shares |
| VANGUARD GROUP INC | $17,962,375 | 637,642 | 6.55% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $17,486,459 | 497,906 | 6.38% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $13,793,380 | 392,750 | 5.03% | Shares |
| ALLIANCEBERNSTEIN L.P. | $13,068,529 | 439,426 | 4.77% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $10,486,036 | 298,500 | 3.83% | Shares |
| AMERICAN CENTURY COMPANIES INC | $10,393,729 | 295,949 | 3.79% | Shares |
| Wealthspire Advisors, LLC | $10,241,521 | 291,615 | 3.74% | Shares |
| Pacific Ridge Capital Partners, LLC | $10,057,350 | 286,371 | 3.67% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $9,288,011 | 264,465 | 3.39% | Shares |
| STATE STREET CORP | $8,422,268 | 239,814 | 3.07% | Shares |
| Ategra Capital Management, LLC | $8,121,711 | 231,256 | 2.96% | Shares |
| Ballast Asset Management, LP | $6,597,608 | 187,859 | 2.41% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5,787,284 | 164,786 | 2.11% | Shares |
| Squarepoint Ops LLC | $4,844,944 | 137,954 | 1.77% | Shares |
| Russell Investments Group, Ltd. | $4,598,361 | 130,932 | 1.68% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $3,722,158 | 105,984 | 1.36% | Shares |
| MORGAN STANLEY | $3,692,222 | 105,131 | 1.35% | Shares |
| Empowered Funds, LLC | $3,664,280 | 104,336 | 1.34% | Shares |
| CITADEL ADVISORS LLC | $3,593,689 | 102,326 | 1.31% | Shares |
| NORTHERN TRUST CORP | $3,325,513 | 94,690 | 1.21% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,265,528 | 92,982 | 1.19% | Shares |
| Gator Capital Management, LLC | $3,223,665 | 91,790 | 1.18% | Shares |
| SEI INVESTMENTS CO | $2,913,805 | 82,967 | 1.06% | Shares |
| Qube Research & Technologies Ltd | $2,855,537 | 81,308 | 1.04% | Shares |
| De Lisle Partners LLP | $2,666,501 | 75,893 | 0.97% | Shares |
| BANC FUNDS CO LLC | $2,644,536 | 75,300 | 0.96% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,633,684 | 74,991 | 0.96% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,620,128 | 74,605 | 0.96% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $2,546,200 | 72,500 | 0.93% | Shares |
| BROWN ADVISORY INC | $2,467,918 | 70,271 | 0.90% | Shares |
| Nuveen, LLC | $2,337,692 | 66,563 | 0.85% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2,296,040 | 65,377 | 0.84% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $2,262,782 | 64,430 | 0.83% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $2,115,067 | 60,224 | 0.77% | Shares |
| Man Group plc | $1,967,317 | 56,017 | 0.72% | Shares |
| Kendall Capital Management | $1,861,360 | 53,000 | 0.68% | Shares |
| Bank of New York Mellon Corp | $1,762,454 | 50,184 | 0.64% | Shares |
| WEDGE CAPITAL MANAGEMENT L L P/NC | $1,706,422 | 57,378 | 0.62% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,682,981 | 47,921 | 0.61% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,616,644 | 46,032 | 0.59% | Shares |
| FIRST TRUST ADVISORS LP | $1,511,916 | 43,050 | 0.55% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $1,459,061 | 41,545 | 0.53% | Shares |
| FIRST CITIZENS BANK & TRUST CO | $1,439,568 | 40,990 | 0.53% | Shares |
| Militia Capital Partners, LP | $1,323,990 | 47,000 | 0.48% | Shares |
| Verdence Capital Advisors LLC | $1,316,547 | 37,487 | 0.48% | Shares |
| Trexquant Investment LP | $1,210,481 | 34,467 | 0.44% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,145,720 | 32,623 | 0.42% | Shares |
| UBS Group AG | $1,091,495 | 31,079 | 0.40% | Shares |
| Creative Planning | $989,963 | 28,188 | 0.36% | Shares |
Company insiders 32 insiders · 16 officers · 16 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Edward F Barry | Chief Executive Officer | March 14, 2026 M | 155,299 | 0 | 0 | $0 |
| Jacob Dalaya | EVP, Chief Financial Officer | March 3, 2026 M | 570 | 0 | 0 | $0 |
| Jennings Walker | EVP, Chief Financial Officer | June 26, 2024 M | 466 | 0 | 0 | $0 |
| Alan W Jackson | Executive VP and CFO | May 18, 2023 M | 48,188 | 0 | 0 | $0 |
| James Como | EVP, COO of the Bank | July 20, 2026 A | · | 0 | 0 | $0 |
| Steven M Poynot | Chief Operating Officer | March 3, 2026 M | 1,579 | 0 | 0 | $0 |
| Anguel Lindarev | EVP, Chief Information Officer | March 18, 2026 M | 929 | 0 | 0 | $0 |
| Jeffrey Kaye | EVP, Chief Marketing Officer | March 3, 2026 M | 134 | 0 | 0 | $0 |
| Scot Richard Browning | Pres, Specialty & CRE Lending | March 3, 2026 M | 517,551 | 0 | 0 | $0 |
| Kathy Yamada | EVP & Chief Credit Officer | March 3, 2026 M | 60,952 | 0 | 0 | $0 |
| Eric M. Suss | EVP and CHRO | March 3, 2026 M | 59,470 | 0 | 0 | $0 |
| Karl Dicker | EVP and President of OpenSky | March 3, 2026 M | 59,766 | 0 | 0 | $0 |
| Gary M Kausmeyer | Chief Risk Officer | March 3, 2026 M | 6,643 | 0 | 0 | $0 |
| Michael Breckheimer | SVP, Head of Windsor Advantage | Oct. 2, 2025 M | 32,421 | 0 | 0 | $0 |
| Kathy M Curtis | Executive V.P. and Chief C.O. | March 2, 2020 S | 70,925 | 0 | 0 | $0 |
| Nick Bryan | Executive V.P., CMO, and GM | Sept. 30, 2019 S | 24,336 | 0 | 0 | $0 |
| James F. Whalen | Director | Sept. 29, 2026 M | 3,965 | 0 | 0 | $0 |
| Jerome Ronnell Bailey | Director | Sept. 28, 2026 M | 64,740 | 0 | 0 | $0 |
| Fred Joseph Lewis | Director | Sept. 25, 2026 M | 39,957 | 0 | 0 | $0 |
| Deborah Ratnersalzberg | Director | Sept. 25, 2026 M | 47,585 | 0 | 0 | $0 |
| Scott C Brannan | Director | Sept. 24, 2026 M | 5,454 | 0 | 0 | $0 |
| Randall James Levitt | Director | Sept. 23, 2026 M | 269,758 | 0 | 0 | $0 |
| Marc H Mcconnell | Director | Sept. 23, 2026 M | 19,547 | 0 | 0 | $0 |
| Steven Jay Schwartz | Director | Sept. 22, 2026 M | 72,706 | 0 | 0 | $0 |
| Mark Caplan | Director | April 2, 2026 M | 139,681 | 0 | 0 | $0 |
| Joshua Bernstein | Director | March 3, 2026 M | 90,909 | 0 | 0 | $0 |
| Mary Ann Scully | Director | March 3, 2026 M | 14,077 | 0 | 0 | $0 |
| Joseph M Greene | Director | Jan. 1, 2023 A | 216,752 | 0 | 0 | $0 |
| ASHMAN STEPHEN N | Director | Nov. 23, 2021 S | 288,909 | 0 | 0 | $0 |
| Michael Joseph Burke | Director | May 5, 2021 S | 124,000 | 0 | 0 | $0 |
| Dominic C Canuso | · | Nov. 12, 2025 S | 1,434 | 0 | 1 | $-95,030 |
| Constance E Perrine | · | Oct. 11, 2023 M | 1,880 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 21 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.10% | 39,010 SH | Sept. 11, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.08% | 266 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 9,772 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 951 SH | Oct. 1, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 301,284 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 5,347 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 53,759 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 49,545 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 64,212 SH | Aug. 19, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 5,887 SH | Oct. 1, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 687 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,493 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 2,620 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 3,135 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 6,996 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,245 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 132,510 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 354,580 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,007 SH | Aug. 19, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 112,358 SH | Sept. 11, 2026 | Daily |
CBNK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 10 analysts
BUY
Median target
$42.00
+3.8%
3 30.0%
Strong Buy
5 50.0%
Buy
2 20.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
4 analysts · 2026-09-30Mean target $41.50 +2.6%
Now
Current price $40.45
Low$40.00
Mean$41.50
High$42.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
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Source: SEC 10-Q filed Aug 7, 2026