undamentalytics Newsletter
Sign in

Capital Bancorp Inc key statistics and ratios

In fiscal 2025, Capital Bancorp Inc had return on equity of 15.1% and a net margin of 23.3%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin11.1%17.2%18.4%19.2%23.9%24.6%21.5%16.6%23.3%22.2%
Return on equity8.9%13.1%13.6%17.6%22.4%19.8%15.0%10.2%15.1%13.7%
Return on assets0.7%1.2%1.3%1.6%2.0%2.0%1.6%1.1%1.7%1.5%
Effective tax rate49.6%28.1%25.6%26.5%25.8%22.9%22.4%26.0%23.7%23.7%
Dividends ÷ net income———0.0%3.5%7.4%10.9%17.0%12.8%14.0%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

68 /100

Moderate moat

How hard Capital Bancorp's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 19 / 20

    Net income has been a median 1.4% of total assets over 8 years.

  • Durability 15 / 20

    Net margin has been a median 19.9%; its worst year was 12.1%.

  • Discipline 10 / 20

    The diluted share count rose 19.5% over five years; stock-based pay has been a median 0.9% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (72 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: CARE vs CBNKCBNK vs FISICBNK vs CCBGCBNK vs WABC

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Capital Bancorp Inc's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Capital Bancorp Inc.