ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Capital Bancorp, Inc. (Maryland) ?
1
High Profitability with a Net Interest Margin of 9.53%
2
Strong Long Term Fundamental Strength with a 18.27% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 18.27%
4
Flat results in Mar 26
- CREDIT DEPOSIT RATIO(HY) Lowest at 91.93%
- OPERATING PROFIT(Q) Lowest at USD 10.11 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 14.87 %
5
With ROA of 0.90%, it has a fair valuation with a 1.18 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 6.50%, its profits have risen by 76.8% ; the PEG ratio of the company is 0.1
6
High Institutional Holdings at 48.98%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 4.97% over the previous quarter.
7
Underperformed the market in the last 1 year
- The stock has generated a return of 6.50% in the last 1 year, much lower than market (S&P 500) returns of 25.41%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Capital Bancorp, Inc. (Maryland) should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Capital Bancorp, Inc. (Maryland) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Capital Bancorp, Inc. (Maryland)
6.5%
2.57
26.33%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.82%
EBIT Growth (5y)
-2.32%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
12.90%
Pledged Shares
0
Institutional Holding
48.98%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.18
EV to EBIT
4.38
EV to EBITDA
4.16
EV to Capital Employed
1.44
EV to Sales
0.91
PEG Ratio
0.10
Dividend Yield
135.27%
ROCE (Latest)
32.81%
ROE (Latest)
14.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 68.92 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-6What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 91.93%
OPERATING PROFIT(Q)
Lowest at USD 10.11 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 14.87 %
PRE-TAX PROFIT(Q)
Lowest at USD 15.87 MM
NET PROFIT(Q)
Lowest at USD 12.02 MM
EPS(Q)
Lowest at USD 0.73
Here's what is working for Capital Bancorp, Inc. (Maryland)
Operating Cash Flow
Highest at USD 68.92 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Depreciation
Highest at USD 1.16 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 1.16 MM has Grown at 77.45%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Capital Bancorp, Inc. (Maryland)
Operating Profit
Lowest at USD 10.11 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 14.87 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 15.87 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 12.02 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.73
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 91.93%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Non Operating Income
Highest at USD 0.36 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
Capital Adequacy Ratio
Lowest at 12.99%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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