CBNK:NSD-Capital Bancorp, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 20.05

Change

-0.70 (-3.37)%

Market Cap

USD 0.29B

Volume

0.07M

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

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 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 other consumer loans that include secured and unsecured installment, term, car, and boat loans to individuals. 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: 2021-06-18 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

-14.42 (-2.64%)

USD29.62B 17.95 N/A
HBANN Huntington Bancshares Incorpor..

+0.01 (+0.04%)

USD28.40B 22.81 N/A
FITB Fifth Third Bancorp

-1.12 (-2.95%)

USD26.70B 13.97 N/A
FITBI Fifth Third Bancorp

+0.01 (+0.03%)

USD20.22B 10.62 N/A
HBAN Huntington Bancshares Incorpor..

-0.25 (-1.85%)

USD19.97B 11.84 N/A
SBNY Signature Bank

-9.76 (-4.00%)

USD14.12B 21.55 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD13.18B 22.22 N/A
CBSH Commerce Bancshares, Inc

-2.30 (-3.15%)

USD8.55B 20.28 N/A
ZION Zions Bancorporation, National..

-1.32 (-2.56%)

USD8.46B 10.49 N/A
FCNCA First Citizens BancShares, Inc

-29.00 (-3.45%)

USD8.17B 14.75 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 43.93% 90% A- 84% B
Dividend Return N/A N/A N/A N/A N/A
Total Return 43.93% 89% B+ 84% B
Trailing 12 Months  
Capital Gain 98.51% 92% A- 81% B-
Dividend Return N/A N/A N/A N/A N/A
Total Return 98.51% 91% A- 81% B-
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 8.21% 83% B 51% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 8.21% 78% C+ 48% F
Risk Return Profile  
Volatility (Standard Deviation) 30.87% 33% F 58% F
Risk Adjusted Return 26.61% 67% D+ 45% F
Market Capitalization 0.29B 41% F 38% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 9.19 85% B 75% C
Price/Book Ratio 1.72 13% F 70% C-
Price / Cash Flow Ratio 53.68 8% F 9% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 21.03% 96% A 88% B+
Return on Invested Capital 12.92% 77% C+ 83% B
Return on Assets 1.77% 91% A- 65% D
Debt to Equity Ratio 22.61% 50% F 58% F
Technical Ratios  
Short Ratio 2.15 81% B- 62% D-
Short Percent 1.59% 56% F 72% C-
Beta 0.46 91% A- 86% B
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.

Positive cash flow

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

Superior Earnings Growth

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

Superior Revenue Growth

This stock has shown top quartile revenue 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.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to book value

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

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.