Financial Snapshot

Revenue
$151.6M
TTM
Gross Margin
Net Earnings
$32.47M
TTM
Current Assets
Current Liabilities
$8.503M
Q3 2024
Current Ratio
Total Assets
$2.561B
Q3 2024
Total Liabilities
$2.281B
Q3 2024
Book Value
$280.1M
Q3 2024
Cash
Q3 2024
P/E
15.20
Nov 29, 2024 EST
Free Cash Flow
$18.87M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue $183.2M $150.6M $123.2M $97.25M $82.18M $69.13M $56.67M
YoY Change 21.61% 22.23% 26.73% 18.34% 18.88% 21.99%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue $183.2M $150.6M $123.2M $97.25M $82.18M $69.13M $56.67M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $324.0K $364.0K $600.0K $800.0K $1.100M $1.100M $1.000M
YoY Change -10.99% -39.33% -25.0% -27.27% 0.0% 10.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit -$4.613M -$4.469M
YoY Change 3.22%

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Interest Expense $41.68M $10.04M $6.550M $13.18M $15.84M $11.24M $7.755M
YoY Change 315.18% 53.27% -50.31% -16.79% 40.96% 44.93%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Pretax Income $46.23M $54.23M $53.88M $35.14M $22.71M $17.75M $14.10M $15.60M $12.20M
YoY Change -14.77% 0.66% 53.33% 54.69% 27.97% 25.89% -9.62% 27.87%
Income Tax $10.35M $12.43M $13.90M $9.314M $5.819M $4.982M $6.990M $6.100M $4.700M
% Of Pretax Income 22.4% 22.92% 25.8% 26.51% 25.62% 28.07% 49.58% 39.1% 38.52%
Net Earnings $35.87M $41.80M $39.98M $25.82M $16.90M $12.77M $7.109M $9.400M $7.500M
YoY Change -14.19% 4.57% 54.82% 52.84% 32.33% 79.59% -24.37% 25.33%
Net Earnings / Revenue 19.58% 27.75% 32.44% 26.55% 20.56% 18.47% 12.55%
Basic Earnings Per Share $2.56 $2.98 $2.90 $1.87 $1.23 $1.05 $0.63
Diluted Earnings Per Share $2.55 $2.91 $2.84 $1.87 $1.21 $1.02 $0.62 $712.1K $568.2K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $5.069M $3.386M $3.300M $4.500M $6.100M $3.000M $2.600M $2.200M $2.600M
YoY Change 49.7% 2.61% -26.67% -26.23% 103.33% 15.38% 18.18% -15.38%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $12.25M $13.78M $9.800M $6.800M $4.300M $3.700M $3.400M $4.400M $2.900M
YoY Change -11.07% 40.58% 44.12% 58.14% 16.22% 8.82% -22.73% 51.72%
Total Long-Term Assets
YoY Change
Total Assets $2.225B $2.124B $2.055B $1.877B $1.428B $1.105B $1.026B $905.6M $743.4M
YoY Change
Accounts Payable $5.583M $1.031M $500.0K $1.100M $1.800M $1.600M $1.100M $800.0K $600.0K
YoY Change 441.51% 106.2% -54.55% -38.89% 12.5% 45.45% 37.5% 33.33%
Accrued Expenses $3.791M $2.359M $2.700M $3.400M
YoY Change 60.7% -12.63% -20.59%
Deferred Revenue
YoY Change
Short-Term Debt $5.300M $11.30M $9.700M $12.40M
YoY Change -53.1% 16.49% -21.77%
Long-Term Debt Due $15.00M $0.00 $0.00 $2.000M
YoY Change
Total Short-Term Liabilities $5.583M $3.390M $3.200M $4.500M $1.800M $3.600M $1.100M $800.0K $600.0K
YoY Change 64.69% 5.94% -28.89% 150.0% -50.0% 227.27% 37.5% 33.33%
Long-Term Debt $27.06M $12.06M $12.10M $14.00M $15.40M $13.40M $17.40M $17.30M $23.60M
YoY Change 124.36% -0.31% -13.57% -9.09% 14.93% -22.99% 0.58% -26.69%
Other Long-Term Liabilities $19.17M $19.12M $23.00M $24.60M $19.40M $11.00M $9.300M $10.20M $6.300M
YoY Change 0.26% -16.89% -6.5% 26.8% 76.36% 18.28% -8.82% 61.9%
Total Long-Term Liabilities $46.23M $31.18M $35.10M $38.60M $34.80M $24.40M $26.70M $27.50M $29.90M
YoY Change 48.27% -11.17% -9.07% 10.92% 42.62% -8.61% -2.91% -8.03%
Total Liabilities $1.970B $1.900B $1.857B $1.717B $1.294B $990.5M $945.9M $834.9M $683.8M
YoY Change 3.69% 2.27% 8.16% 32.68% 30.67% 4.72% 13.3% 22.1%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $493.58 Million

About Capital Bancorp Inc

Capital Bancorp, Inc. is a holding company, which engages in the provision of commercial and consumer banking services through its subsidiary Capital Bank, NA. The company is headquartered in Rockville, Maryland and currently employs 277 full-time employees. The company went IPO on 2018-09-26. (Capital Bank), a commercial-focused community bank. Capital Bank operates three divisions: Commercial Banking, Capital Bank Home Loans, and OpenSky. Its Commercial Banking division operates in the Washington, D.C. and Baltimore metropolitan areas and focuses on providing personalized service to commercial clients throughout its area of operations. Capital Bank Home Loans and OpenSky both leverage Capital Bank's national banking charter to operate as national consumer business lines; Capital Bank Home Loans acts as its residential mortgage origination platform and OpenSky provides nationwide, digitally-based, unsecured credit cards as well as secured credit cards to under-banked populations and those looking to rebuild their credit scores. The company operates a branch-lite model through six commercial bank branches, one mortgage office and two loan production offices.

Industry: National Commercial Banks Peers: AMERICAN NATIONAL BANKSHARES INC. CIVISTA BANCSHARES, INC. FARMERS & MERCHANTS BANCORP INC First Internet Bancorp SOUTHERN FIRST BANCSHARES INC MACATAWA BANK CORP PNC FINANCIAL SERVICES GROUP, INC. SUMMIT FINANCIAL GROUP, INC.