Stock Ratings / Financials / CBNK / financials

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Capital Bancorp Inc. (CBNK) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$41.97 +1.16% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Capital Bancorp Inc. (CBNK) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $683.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CBNK)Realized 20D OHLCV Swing Band: ±4.6%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How CBNK Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$69.7M (1.7% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$57.2M	$69.7M	14.2%
FY 2024	$4.00B	52%	-0.1%	$31.0M	$34.9M	-0.8%
FY 2023	$4.00B	52%	-0.1%	$35.9M	$47.4M	14.2%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CBNK)

✓Walkthrough of CBNK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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CBNK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +33.28%▲ RESISTANCE BREAKOUT

2026-10-30O $42.22H $42.22L $41.52C $41.97VOL 112.9K

RES: $41.50SUP: $37.44SMA50: $38.01SMA200: $33.85

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CBNK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CBNK Butterfly Map → + Track CBNK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

2.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CBNK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CBNK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CBNK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CBNK)

Financials Rank #291 of 1096 ⚔️ BHB vs CBNK Full Matrix →

1. Head-to-Head Financials Peer Comparison (CBNK vs. BHB, BCAL, RRBI, CCB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Capital Bancorp Inc. (CBNK) ranks #291 by composite RQD confidence (66/100, grade C+) and #633 by equity capitalization ($683.7M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while CBNK leads on capital efficiency and profitability with 14.2% ROIC and — gross margin. CBNK currently leads its immediate peer cohort in composite quantitative strength at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CBNK ACTIVE Capital Bancorp Inc.	C+	66/100	12.0x	—	14.2%	+1.16%	$683.7M	Benchmark Subject
BHB Bar Harbor Bankshares Inc.	C-	60/100	18.6x	—	6.9%	+0.86%	$686.1M	/bhb-vs-cbnk →
BCAL California BanCorp	C	65/100	10.9x	—	10.9%	-0.46%	$689.3M	/bcal-vs-cbnk →
RRBI Red River Bancshares Inc.	C	63/100	15.7x	—	11.7%	+0.69%	$672.2M	/rrbi-vs-cbnk →
CCB Coastal Financial Corporation	D+	54/100	14.2x	—	9.6%	-7.36%	$667.4M	/ccb-vs-cbnk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001419536

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Capital Bancorp Inc. (CBNK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $57.2M, operating cash flow of $69.7M, and free cash flow of $69.7M (+99.6% YoY). On the balance sheet, CBNK closed FY2025 with $3.61B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$57.2M	$69.7M	$69.7M	$3.61B	—
FY2024 (FY)	2024-12-31	$0	$31.0M	$34.9M	$34.9M	$3.21B	—
FY2023 (FY)	2023-12-31	$0	$35.9M	$47.4M	$47.4M	—	—

3. CBNK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CBNK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Capital Bancorp Inc. (NASDAQ: CBNK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $41.97 (+1.16% 1D, market cap $683.7M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CBNK ranks #291 in composite RQD confidence.

How does CBNK compare to BHB and BCAL in the Financials sector?

Within the Financials sector (Major Banks), CBNK carries a Roarable C+ (66/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 14.2%. By comparison, BHB (Bar Harbor Bankshares Inc.) holds a C- grade (60/100 RQD, P/E 18.6x, ROIC 6.9%, cap $686.1M) and BCAL (California BanCorp) posts a C grade (65/100 RQD, P/E 10.9x, ROIC 10.9%, cap $689.3M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while CBNK leads on capital efficiency (14.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CBNK?

Per CBNK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001419536), Capital Bancorp Inc. generated $0 in revenue, $57.2M in net income, and $69.7M in free cash flow against $3.61B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CBNK trading relative to its 50-day, 200-day, and 52-week technical levels?

CBNK last traded at $41.97 (+1.16% on volume of 154,110 shares), positioning the stock +10.42% above its 50-day simple moving average ($38.01) and +23.99% above its 200-day simple moving average ($33.85). Across its 52-week range of $26.40 to $42.37, CBNK sits at the 97.5% percentile with a 14-day RSI of 69.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($40.04 to $43.90).