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Upturn AI SWOT - About
CBNK 
Capital Bancorp (CBNK)
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Upturn Advisory Summary
04/01/2025: CBNK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 21.19% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 471.81M USD | Price to earnings Ratio 13.36 | 1Y Target Price 35.5 |
Price to earnings Ratio 13.36 | 1Y Target Price 35.5 | ||
Volume (30-day avg) 52731 | Beta 0.54 | 52 Weeks Range 18.73 - 32.88 | Updated Date 04/1/2025 |
52 Weeks Range 18.73 - 32.88 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.41% | Basic EPS (TTM) 2.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.15% | Operating Margin (TTM) 31.45% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 10.16% |
Valuation
Trailing PE 13.36 | Forward PE 8.35 | Enterprise Value 306410976 | Price to Sales(TTM) 2.76 |
Enterprise Value 306410976 | Price to Sales(TTM) 2.76 | ||
Enterprise Value to Revenue 2.75 | Enterprise Value to EBITDA - | Shares Outstanding 16654000 | Shares Floating 11100918 |
Shares Outstanding 16654000 | Shares Floating 11100918 | ||
Percent Insiders 28.85 | Percent Institutions 37.05 |
Analyst Ratings
Rating 4.5 | Target Price 32 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Capital Bancorp
Company Overview
History and Background
Capital Bancorp, Inc. was founded in 1989. It began as a mortgage company and evolved into a full-service commercial bank holding company, focusing on serving businesses and entrepreneurs.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products and services to businesses, including commercial real estate loans, equipment financing, and lines of credit. Also includes treasury management services.
- Mortgage Banking: Offers residential mortgage lending services, originating and selling mortgage loans in the secondary market. Includes both purchase and refinance options.
- Retail Banking: Provides deposit accounts, consumer loans, and other retail banking services to individuals and families.
Leadership and Structure
The leadership team includes Edward Goetz, President & CEO. The organizational structure is typical of a bank holding company, with various departments overseeing different lines of business and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not readily available on a specific product basis. Competitors include larger national banks and regional players like Truist (TFC) and PNC (PNC).
- Business Term Loans: Offers term loans to businesses for various purposes, such as equipment purchases and working capital. Market share data is not readily available. Competitors include national banks and online lenders like LendingClub (LC).
- Residential Mortgages: Provides mortgages for home purchases and refinancing. Market share is relatively small compared to national lenders like Rocket Companies (RKT) and United Wholesale Mortgage (UWMC). Revenue is generated through origination fees and servicing rights.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. There is pressure on net interest margins and a focus on digital transformation.
Positioning
Capital Bancorp is a regional bank that focuses on providing personalized service to businesses and entrepreneurs. Its competitive advantages lie in its local market knowledge and ability to make quick decisions. However, it lacks the scale and resources of larger national banks.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is estimated to be in the billions of dollars. Capital Bancorp is positioned to capture a small but significant share of this market through its focus on niche segments and personalized service.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Focus on personalized service
- Solid asset quality
Weaknesses
- Limited scale and resources
- Lack of brand recognition outside of the region
- Reliance on traditional banking channels
- Lower deposit gathering capabilities than larger banks
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Acquisition of smaller banks
- Growth in the local economy
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- Sandy Spring Bancorp (SASR)
- Eagle Bancorp (EGBN)
- First National Corporation (FXNC)
Competitive Landscape
Capital Bancorp competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantage lies in its personalized service and local market knowledge, but it faces challenges from larger banks with greater resources and broader product offerings.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be assessed by analyzing revenue growth, loan growth, and asset growth over the past several years, from filings with the SEC.
Future Projections: Analyst estimates for future growth are often based on expectations for the local economy, interest rates, and the bank's ability to execute its strategic plan. Data available from investor websites or financial data providers.
Recent Initiatives: Recent strategic initiatives will depend on press releases by the company or mentions on their website. These may include expansion into new markets, new product launches, or investments in technology.
Summary
Capital Bancorp is a regional bank with a strong focus on commercial banking. It is working well within the Maryland market, but struggles with scaling. The company needs to look out for interest rate risk and competition from large banks.
Similar Companies
- SASR
- EGBN
- FXNC
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Data Providers
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Market share data is estimated and may not be precise. Financial data should be verified with official company filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Capital Bancorp
Exchange NASDAQ | Headquaters Rockville, MD, United States | ||
IPO Launch date 2018-09-26 | President, CEO & Director Mr. Edward F. Barry | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 389 | Website https://capitalbankmd.com |
Full time employees 389 | Website https://capitalbankmd.com | ||
Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in Maryland, Virginia, and the District of Columbia. It operates through four divisions: Commercial Banking, Capital Bank Home Loans, OpenSky, Windsor Advantage. The company offers a range of deposit products, including checking and savings, time, interest bearing and noninterest-bearing demand, and money market accounts, as well as certificates of deposit; and secured, partially secured, and unsecured credit cards. It also originates residential mortgages; issues trust preferred securities; and provides residential and commercial real estate, construction, and commercial and industrial loans; servicing, processing, and packaging of Small Business Administration and U.S. Department of Agriculture loans; as well as other consumer loans, such as term loans, car loans, and boat loans to small to medium-sized businesses, professionals, real estate investors, small residential builders and individuals, and financial institution clients, including Capital Bank. Capital Bancorp, Inc. was founded in 1974 and is headquartered in Rockville, Maryland.
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