Capital Bancorp Inc
CBNKOther · Accelerated filer · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | −$3.7M | −$4.6M | −$4.5M | — | — |
| Net income | $57.2M | $31.0M | $35.9M | $41.8M | $40.0M | $25.8M |
| Total assets | $3.61B | $3.21B | $2.23B | $2.12B | $2.06B | $1.88B |
| Total liabilities | $3.20B | $2.85B | $1.97B | $1.90B | $1.86B | $1.72B |
| Equity | $401.8M | $355.1M | $254.9M | $224.0M | $197.9M | $159.3M |
| EPS (diluted) | $3.41 | $2.12 | $2.55 | $2.91 | $2.84 | $1.87 |
| Shares out. | 16.7M | 13.9M | 14.2M | 14.0M | 13.8M | 13.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 14.2%
- Return on assets
- 1.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.9%
- Debt / equity
- 7.98×
- Book value / share
- $24.12
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 84.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Nov 15, 2018
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Bernstein JoshuaPassive (13G)Feb 17, 2026
- Whalen James F.Passive (13G)Feb 13, 2026
- Levitt Randall JamesPassive (13G)Feb 13, 2026
- Schwartz Steven JayPassive (13G)Feb 11, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Caplan MarkDirector | Apr 2, 2026 | Option exercise | 450 | $26.41 |
| Lindarev AnguelOfficer — EVP, Chief Information Officer | Mar 18, 2026 | Option exercise | 584 | $0.00 |
| Barry Edward FOfficer — Chief Executive Officer | Mar 14, 2026 | Option exercise | 4,033 | $0.00 |
| Mcconnell Marc HDirector | Mar 10, 2026 | Option exercise | 323 | $19.18 |
| Yamada KathyOfficer — EVP & Chief Credit Officer | Mar 3, 2026 | Option exercise | 135 | $0.00 |
| Suss Eric M.Officer — EVP and CHRO | Mar 3, 2026 | Option exercise | 228 | $0.00 |
| Poynot Steven MOfficer — Chief Operating Officer | Mar 3, 2026 | Option exercise | 283 | $0.00 |
| Lindarev AnguelOfficer — EVP, Chief Information Officer | Mar 3, 2026 | Option exercise | 166 | $0.00 |
| Kaye JeffreyOfficer — EVP, Chief Marketing Officer | Mar 3, 2026 | Option exercise | 208 | $0.00 |
| Kausmeyer Gary MOfficer — Chief Risk Officer | Mar 3, 2026 | Option exercise | 136 | $0.00 |
| Dicker KarlOfficer — EVP and President of OpenSky | Mar 3, 2026 | Option exercise | 254 | $0.00 |
| Dalaya JacobOfficer — EVP, Chief Financial Officer | Mar 3, 2026 | Option exercise | 233 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 599,902 | 11.6 | -2.3% |
| Apr 30, 2026 | 613,931 | 9.4 | +0.4% |
| Apr 15, 2026 | 611,257 | 7.4 | +14.0% |
| Mar 31, 2026 | 536,268 | 5.9 | +73.1% |
| Mar 13, 2026 | 309,837 | 7.7 | +14.5% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteJun 1, 2026
- Results of operations · Other material eventApr 27, 2026
- Other material eventMar 18, 2026
- Director / officer changeFeb 10, 2026
- Results of operations · Other material eventJan 26, 2026
- Director / officer change · Regulation FD disclosureDec 31, 2025
- Director / officer changeNov 24, 2025
- Director / officer change · Regulation FD disclosureNov 14, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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