CAPITAL BANCORP INC (CBNK)
Financials · regional banks · NASDAQ
Capital Bancorp is a commercial-focused community bank that combines regional relationship banking with national specialized lending and consumer credit verticals.
What CAPITAL BANCORP INC does
Capital Bancorp, Inc. is a bank holding company that operates through its subsidiary, Capital Bank, N.A., providing commercial and consumer banking services. The company maintains a regional commercial banking presence in the Mid-Atlantic, with additional offices in Illinois and Florida, alongside national business lines including consumer credit cards, residential mortgage origination, and government-guaranteed loan servicing.
Themes: community banking, government guaranteed lending, subprime / under-banked credit cards, commercial real estate lending, mortgage banking
Fundamentals
- Price$36.56 as of 2026-08-24 close
- Market cap$596M as of 2026-08-24
- 1-year return+6.0% 2025-08-22 close $34.48 → 2026-08-24 close $36.56
- P/E10.73 as of 2026-08-24
- ROE+13.9% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Beta0.69 as of 2026-08-24
- Last reported earnings2026-07-27 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.2%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How CBNK compares in its sector
- price-to-earnings ratiobottom 25% 514 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, CBNK's dividend was covered by reported results (earnings payout 13%, operating-cash-flow payout 10%). This describes past coverage, not a forecast.
- Earnings payout13% dividends / net income
- Operating-cash-flow payout10% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How CAPITAL BANCORP INC looks technically
CAPITAL BANCORP INC (CBNK) is trading 16.2% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 70 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 15 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 16.2% above its 200-day average, the long-term trend line — a longer-term uptrend | +16.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $35.94 | $35.94 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $31.47 | $31.47 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 27 calendar days ago — the swings before that are what the structure reading is measured on | 27 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 38.82. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 70 trading days ago — a "golden cross", a bullish long-term signal | 70 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend) | 19.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30) | 47.8 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($36.01 to $38.16) — its "stochastic" reading is 26 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 25.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 11 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $38.82 | $38.82 |
|---|---|---|
| From the 52-week high | it is 5.8% below its 52-week high (its highest price of the past year) | -5.8% |
| Above the 52-week low | it is 38.5% above its 52-week low (its lowest price of the past year) | +38.5% |
| Below the 52-week high | it is 5.8% below its highest point of the past year | 5.8% |
| Since a 20-day breakout | it made a new 20-day high about 15 trading days ago | 15 sessions |
| Since a 55-day breakout | it made a new 55-day high about 15 trading days ago | 15 sessions |
| All-time high | its highest closing price on record is $38.82 (set on 2026-07-28) | $38.82 |
| Given back of the 52-week move | over the past year its closes ranged ($26.61 to $37.94), and it has given back only a small part of its rise from last year’s low — 12% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $30.58 to $30.94. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 12.2% |
| From the all-time high | it is 5.8% below its all-time high | -5.8% |
| Nearest price level | it is sitting right on a support level at $36.41 — a price it turned at twice since 2025-07-21, most recently on 2026-07-01. Since 2024-08-26 it has 12 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.4% |
| All-time low | its lowest closing price on record is $6.98 (set on 2020-03-16) | $6.98 |
| Above the all-time low | it is 423.8% above its all-time low | +423.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move | 1st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8221 between its high and its low — about 2.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8221 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $36.40 and $38.41 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $36.40 – $37.40 – $38.41 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.3% |
| Stretch from the 200-day average | it is trading 6.2 daily ranges above its 200-day average price (16.2% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.79× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 5 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-24 0.3% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.3% |
|---|---|---|
| Gap filled | a 2.8% gap up opened on 2026-06-11 has been "filled" 46 sessions ago — price traded back through the level the gap left behind, and it took 4 sessions to close | 46 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 2.1 percentage points (the stock gained 1.2% while the market gained 3.3%) | -2.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 13.8 percentage points (the stock gained 16.2% while the market gained 2.4%) | +13.8% |
| vs market, 6 months | over the past 6 months this stock beat the market by 11.1 percentage points (the stock gained 22.2% while the market gained 11.1%) | +11.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 12.3 percentage points (the stock gained 6.0% while the market gained 18.3%) | -12.3% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.3% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-17 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 4.4% of the share price. | +4.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 13% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $32.34 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | +13.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-27 (its 8-K), so the typical buyer over that stretch is under water. That average is $37.39 — a volume-weighted average of daily closes over 21 sessions, not a true tick-by-tick VWAP. | -2.2% |
Price levels it has turned at before
CBNK last closed at $36.56 on 2026-08-24. Since 2024-08-26 it has turned at 12 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $36.41 | Support | 0.4% below the last close | turned there twice · 2025-07-21 to 2026-07-01 |
| $37.06 | Resistance | 1.4% above the last close | turned there twice · 2026-07-17 to 2026-08-10 |
| $34.28 | Support | 6.2% below the last close | turned there four times · 2025-05-12 to 2026-07-23 |
| $33.41 | Support | 8.6% below the last close | turned there four times · 2025-07-17 to 2026-04-17 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $38.82.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 4 trading days, since 2026-08-19.
Read from daily closes as of 2026-08-24.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · beating the market · Stretched far above its 200-day average (6+ daily ranges) · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · breakout · bollinger bands
Based on daily closing prices as of 2026-08-24. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.50 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$41.50 range $40.00 – $42.00; median $42.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CBNK
- Consensus EPS estimate$0.905 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration risk in commercial and construction real estate lending within specific regional markets.","Exposure to interest rate fluctuations affecting net interest margins and mortgage banking revenue.","Credit risk associated with unsecured and secured credit card lending to under-banked populations."]
What changed in the latest 10-Q
AI-assisted comparison of CBNK's 10-Q filed 2026-05-08 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference year to Form 10-K: 'year ended December 31, 2025' (newer, filed 2026-05-08) vs. 'year ended December 31, 2024' (older, filed 2025-11-10)
- Added reference period: 'three months ended March 31, 2026' (newer) vs. 'three and nine months ended September 30, 2025' (older)
- Added 'the overall strength of the consumer' to general economic conditions bullet point (newer, filed 2026-05-08)
- Added 'volatility in our stock price due to investor sentiment and perception of the banking industry' as separate bullet point (newer, filed 2026-05-08)
- Added 'changes in the mix of loan sectors, or types, and the level of non-performing assets, charge-offs, and delinquencies' as separate bullet point (newer, filed 2026-05-08)
- Added '("AI")' abbreviation after 'artificial intelligence' (newer, filed 2026-05-08)
- Removed:
- Removed 'volatility in our stock price due to investor sentiment and perception of the banking industry' from implicit coverage (older, filed 2025-11-10)
- Removed 'and the Middle East' from geopolitical wars reference, replaced with 'Israel, Iran and Ukraine' (newer, filed 2026-05-08)
- Removed 'recently' descriptor before 'acquisition of Integrated Financial Holdings, Inc.' (newer, filed 2026-05-08)
- Removed specific reference to 'SBA Section 7(a) program' (newer, filed 2026-05-08)
- Removed 'and financial holding companies, and other traditional and non-traditional financial service providers' replaced with 'and other traditional and non-traditional financial service providers' (older listed 'regional and national institutions' only)
- Removed 'maintain important customer deposit relationships and our reputation' bullet point (older, filed 2025-11-10)
- Removed 'fluctuations in the fair value of our investment securities' bullet point (older, filed 2025-11-10)
- Removed 'our engagement in derivative transactions' bullet point (older, filed 2025-11-10)
- Removed 'volatility and direction of market interest rates' bullet point (older, filed 2025-11-10)
- Reworded:
- Changed 'geopolitical conditions' description from 'ongoing wars in Ukraine and the Middle East' (older, filed 2025-11-10) to 'ongoing wars in Israel, Iran and Ukraine' (newer, filed 2026-05-08)
- Changed 'financial institutions' to 'financial institution' (older had plural, newer appears singular in context)
- Changed 'increased competition in the financial services industry, particularly from regional and national banks, financial holding companies, and other traditional and non-traditional financial service providers' (newer, filed 2026-05-08) vs. 'increased competition in the financial services industry, particularly from regional and national institutions' (older, filed 2025-11-10)
- Changed 'the effect of acquisitions we have undertaken, such as our acquisition of Integrated Financial Holdings, Inc.' (newer) from 'the effect of acquisitions we have undertaken, such as our recent acquisition of Integrated Financial Holdings, Inc.' (older)
- Changed 'changes in the value of the collateral securing our loans' (newer) from 'changes in the value of collateral securing our loans' (older)
- Changed 'including the planned growth of Windsor Advantage ™' (newer) from 'including the planned growth of Windsor Advantage ™' (older) - substantively same
- Notes:
- The newer filing text provided appears truncated at end of 'our ability to mai', preventing full comparison of remaining risk factors
- The older filing text also appears truncated at 'our dependence upon outside third parties for the processing and handl', preventing complete comparison
- Geopolitical language change reflects updated regional conflict references rather than policy change
Risk Factors
- Added:
- Newer filing (2026-05-08) adds 'Provision for credit losses on unfunded commitments' line item ($205k) in Q1 2026 income statement
- Newer filing (2026-05-08) adds 'Loan processing' expense line item ($1,383k) in Q1 2026 noninterest expenses
- Newer filing (2026-05-08) replaces 'Operational losses' with 'Operational and other card fraud related losses' ($690k) in Q1 2026
- Removed:
- Older filing (2025-11-10) included 'Foreclosed real estate expenses, net' line item (removed in newer filing)
- Older filing (2025-11-10) listed 'Core deposit intangibles' as separate line item on balance sheet ($1,576k at Sept 30, 2025) - not shown in newer filing
- Older filing (2025-11-10) reported nine-month comparative periods in income and comprehensive income statements - newer filing shows only three-month periods
- Reworded:
- Balance sheet presentation period changed from September 30, 2025 and December 31, 2024 (older) to March 31, 2026 and December 31, 2025 (newer)
- Income statement comparative period changed from Q3 2025/2024 and nine months 2025/2024 (older) to Q1 2026/2025 only (newer)
- Operational expense line renamed from 'Operational losses' (older) to 'Operational and other card fraud related losses' (newer)
- Notes:
- The two filings present different fiscal periods (Q1 2026 vs Q3 2025), making direct financial metric comparisons limited
- Risk Factors section page numbers changed from page 80 (older) to page 74 (newer), indicating content reorganization
- Consolidated statements structure and line items differ between filings due to different reporting periods and potential classification changes
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for CBNK — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding CBNK as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 1,050,308
- Reported value $31,236,172
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 1 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CBNK had 654,376 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CBNK had 4.02% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 11.14 days to cover at the same settlement.
- Reported short interest (shares) 654,376
- Short interest (% of shares outstanding) 4.02%
- Prior settlement (shares) 653,291
- Reported change 0.17%
- Days to cover (reported) 11.14
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- TowneBank (TOWN)
- Eagle Bancorp (EGBN)
- Sandy Spring Bancorp (SASR)
- Fulton Financial (FULT)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does CAPITAL BANCORP INC (CBNK) do?
Capital Bancorp, Inc. is a bank holding company that operates through its subsidiary, Capital Bank, N.A., providing commercial and consumer banking services. The company maintains a regional commercial banking presence in the Mid-Atlantic, with additional offices in Illinois and Florida, alongside national business lines including consumer credit cards, residential mortgage origination, and government-guaranteed loan servicing.
What sector is CAPITAL BANCORP INC (CBNK) in?
CAPITAL BANCORP INC (CBNK) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does CBNK pay a dividend?
Yes — CAPITAL BANCORP INC (CBNK) pays a dividend, with an indicated yield of about 1.24% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are CAPITAL BANCORP INC's (CBNK) competitors?
Notable peers of CAPITAL BANCORP INC (CBNK) include TowneBank, Eagle Bancorp, Sandy Spring Bancorp and Fulton Financial. This peer set is informational only — not financial advice.
Is CAPITAL BANCORP INC (CBNK) overbought or oversold right now?
CAPITAL BANCORP INC (CBNK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, in the neutral middle (as of 2026-08-24). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CBNK come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-24.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.