Carter Bankshares vs Capital Bancorp
Capital Bancorp is the larger business, with $245m of revenue in fiscal 2025 against $153m for Carter Bankshares (1.6 times as much). Capital Bancorp grew faster (31.7% against 12.8%). Capital Bancorp kept more of each dollar of sales as profit: a net margin of 23.3% against 20.5%.
| Latest fiscal year | Carter BanksharesCARE, 2025 | Capital BancorpCBNK, 2025 |
|---|---|---|
| Revenue | $153m | $245m |
| Revenue growth | 12.8% | 31.7% |
| Net income | $31.4m | $57.2m |
| Operating margin | — | — |
| Net margin | 20.5% | 23.3% |
| Return on equity | 7.8% | 15.1% |
| Free cash flow | $31.8m | $69.7m |
| Cash | $105m | $256m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | — | $0.44 |
| Dividend yield | — | — |
| Share buybacks | $20.0m | $11.7m |
| Employees | 687 | — |
| Market value | $635m | $696m |
| Price vs our value range | — | — |
| Moat score | 53 (Moderate) | 68 (Moderate) |
| Insider trades, 12 months | 1 buys, 6 sales | 0 buys, 1 sales |