Is Capital Bancorp, Inc. (Maryland) overvalued or undervalued?

As of 24 October 2025, the valuation grade for Capital Bancorp, Inc. (Maryland) moved from attractive to very attractive. The company is currently undervalued based on its financial metrics. The P/E ratio stands at 13, which is lower than the industry average, while the EV to EBITDA ratio is 5.14, indicating a favorable valuation relative to earnings before interest, taxes, depreciation, and amortization. Additionally, the Price to Book Value is 1.42, suggesting that the stock is trading below its book value.
In comparison to peers, Capital Bancorp's P/E ratio of 11.92 is more attractive than First Financial Corp. (Indiana) at 14.27 and Alerus Financial Corp. at 13.80, reinforcing its undervaluation. The company's robust ROCE of 60.58% and a high dividend yield of 106.47% further support its investment appeal. While specific return data is not available, the overall valuation metrics suggest that Capital Bancorp is positioned favorably compared to the broader market.