CAPITAL BANCORP INC (CBNK)
Financials · Regional commercial banking / community banking · NASDAQ
A regional community bank holding company serving the Mid-Atlantic corridor through commercial lending, government-guaranteed loans, credit cards for credit-challenged consumers, and mortgage origination.
What CAPITAL BANCORP INC does
Capital Bancorp is a Maryland-based bank holding company operating primarily through Capital Bank, N.A., a commercial-focused community bank serving the Washington D.C., Baltimore, and surrounding markets. The company operates four divisions: Commercial Banking (providing C&I, commercial real estate, and government guaranteed lending), OpenSky (a nationwide digital credit card platform for under-banked consumers), Windsor Advantage (SBA/USDA loan servicing and processing), and Capital Bank Home Loans (residential mortgage origination). The company completed its acquisition of IFH in October 2024, expanding its product offerings.
Themes: ["Community banking / relationship banking","Commercial real estate lending","Government guaranteed lending (SBA/USDA)","Credit cards for credit-challenged consumers","Residential mortgage origination","Loan servicing and secondary market sales","Regional banking (Mid-Atlantic/Southeast focus)","Specialty deposit verticals"]
Fundamentals
- Price$34.92 as of 2026-07-09 close
- Market cap$568M as of 2026-07-10
- 1-year return-1.0% as of 2026-07-09 close
- P/E10.28 as of 2026-07-10
- ROE+13.9% as of 2026-07-10
- Debt / equity0.01 as of 2026-07-10
- Beta0.53 as of 2026-07-10
Dividend: yield +1.4%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Geographic concentration risk in Washington D.C., Baltimore, and Maryland markets with limited diversification outside these core regions despite some nationwide lending verticals","Credit quality risk from under-banked populations served by OpenSky credit card platform and construction lending concentration requiring careful underwriting discipline","Interest rate and deposit funding risk given reliance on core deposits and wholesale funding, with potential margin compression in changing rate environment"]
Competitors & peers
- PNC Financial Services (PNC)
- Truist Financial Corporation (TFC)
- Cullen/Frost Bankers (CFR)
- Sterling Bancorp (STL)
- MainStreet Bankshares (MNSB)
- Flushing Bank (parent of Flushing Financial Corporation, FFIC)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.