CBNK:NSD-Capital Bancorp, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 12.29

Change

+0.36 (+3.02)%

Market Cap

USD 0.16B

Volume

0.02M

Average Target Price

USD 11.50 (-6.43%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various commercial banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through three divisions: Commercial Banking, Capital Bank Home Loans, and OpenSky. The company offers a range of deposit products and services, including various checking and savings accounts, certificates of deposit, money market accounts, debit cards, remote deposit capture services, online and mobile banking services, e-statements, and bank-by-mail and direct deposit services, as well as business accounts, and cash and treasury management services. It also provides lending services, such as residential and commercial real estate, construction, and commercial business loans, as well as credit cards; and loans to individuals comprising secured and unsecured installment and term, car, and boat loans. In addition, the company originates residential mortgages for sale in the secondary market; and offers short-term secured real estate financing services. It operates through five commercial bank branches, four mortgage offices, one loan production office, a limited service branch, corporate offices, and operations facilities in the Washington, D.C. and Baltimore, Maryland. The company was incorporated in 1998 and is headquartered in Rockville, Maryland.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-12-02 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

-0.17 (-0.64%)

USD29.17B 37.64 N/A
FITBI Fifth Third Bancorp

+0.36 (+1.26%)

USD19.92B 14.21 N/A
FITB Fifth Third Bancorp

+0.39 (+1.49%)

USD18.67B 13.08 N/A
SIVB SVB Financial Group

-2.02 (-0.57%)

USD18.40B 17.31 N/A
HBANO Huntington Bancshares Incorpor..

-0.03 (-0.12%)

USD13.38B 36.23 N/A
HBAN Huntington Bancshares Incorpor..

+0.33 (+2.64%)

USD12.72B 17.58 N/A
CBSH Commerce Bancshares, Inc

+0.15 (+0.24%)

USD7.39B 23.50 N/A
PBCTP People's United Financial, Inc

+0.22 (+0.79%)

USD6.80B 24.33 N/A
ZION Zions Bancorporation, National..

+1.53 (+3.82%)

USD6.57B 16.94 N/A
SBNY Signature Bank

+5.64 (+4.86%)

USD6.21B 12.20 N/A

ETFs Containing CBNK

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -17.46% 61% D- 28% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -17.46% 53% F 26% F
Trailing 12 Months  
Capital Gain -14.18% 60% D- 28% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -14.18% 54% F 26% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 1.29% N/A N/A 43% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 1.29% N/A N/A 37% F
Risk Return Profile  
Volatility (Standard Deviation) 11.28% N/A N/A 87% B+
Risk Adjusted Return 11.40% N/A N/A 40% F
Market Capitalization 0.16B 29% F 34% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 7.80 92% A- 80% B-
Price/Book Ratio 1.13 23% F 75% C
Price / Cash Flow Ratio -6.20 94% A 74% C
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 15.30% 93% A 87% B+
Return on Invested Capital 10.43% 80% B- 80% B-
Return on Assets 1.33% 87% B+ 63% D
Debt to Equity Ratio 35.73% 38% F 52% F
Technical Ratios  
Short Ratio 2.11 81% B- 64% D
Short Percent 0.65% 75% C 85% B
Beta 0.20 96% A 90% A-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.