Capital Bancorp, Inc. (CBNK)

In the past six months, Capital Bancorp, Inc. reported Q3 2025 earnings with a GAAP net income of $15.1 million, declared a cash dividend of $0.12 per share, and provided an update on its equity buyback plan. The company reported Q2 2025 earnings with EPS of $0.85, missing the forecast of $0.88, and revenue of $60.75 million, also below the forecast of $61.56 million. Capital Bancorp, Inc. reported Q1 2025 earnings with EPS of $0.82, surpassing the forecast of $0.72, and revenue of $62.76 million, exceeding the forecast of $57.54 million.

The banking industry, including Capital Bancorp, Inc., experiences seasonal trends in loan demand, with the lowest demand in January and February, increasing through July, peaking in August or September, and decreasing until December. Changes in interest rates influence these seasonal fluctuations.

Capital Bancorp, Inc. (Maryland) (CBNK) is a bank holding company operating through its subsidiary, Capital Bank, N.A., providing banking services to individuals, businesses, and institutions. The company operates through Commercial Banking, Capital Bank Home Loans, OpenSky, and Windsor Advantage divisions.

Capital Bancorp, Inc. is headquartered in Rockville, Maryland, with a presence in the Washington, D.C., and Baltimore metropolitan areas. The company operates bank branches in Washington D.C., Reston, VA, Ft. Lauderdale, FL, Columbia, MD, and N. Riverside, IL, utilizing a "branch-lite" model. Its Capital Bank Home Loans and OpenSky divisions operate nationally.

Capital Bancorp, Inc. has maintained a positive brand reputation through community development projects and support for local businesses. The company has been recognized as a top-performing entity, reinforcing investor confidence and attracting new opportunities.

Capital Bancorp, Inc.'s ownership includes institutional, insider, and retail shareholders. BlackRock Advisors LLC is a major institutional owner, holding 4.139% of shares. Company executives and board members collectively own 14.84% of the shares. Individual investors hold 30.38% of the shares.