Capital Bancorp, Inc. (Maryland) (CBNK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Capital Bancorp, Inc. (Maryland)

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Esquire Financial Holdings, Inc.

QCR Holdings, Inc.

Amerant Bancorp, Inc.

Farmers National Banc Corp.

Old Second Bancorp, Inc.

American National Bankshares, Inc. (Virginia)

Why is Capital Bancorp, Inc. (Maryland) ?

High Profitability with a Net Interest Margin of 13.93%

Strong Long Term Fundamental Strength with a 22.47% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 22.47%

Positive results in Jun 25

NII(Q) Highest at USD 47.65 MM
OPERATING CASH FLOW(Y) Highest at USD 43.81 MM
NET PROFIT(HY) At USD 29.11 MM has Grown at 89.36%

With ROA of 0.68%, it has a fair valuation with a 1.42 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 0.38%, its profits have risen by 25.1% ; the PEG ratio of the company is 2.4

Real-Time Research Report

Verdict Report

How much should you buy?

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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Capital Bancorp, Inc. (Maryland)

2.7%

1.62

27.77%

S&P 500

15.4%

0.81

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

22.25%

EBIT Growth (5y)

3.59%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

17.02%

Pledged Shares

Institutional Holding

42.99%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.42

EV to EBIT

5.31

EV to EBITDA

5.14

EV to Capital Employed

3.22

EV to Sales

0.98

PEG Ratio

2.42

Dividend Yield

106.47%

ROCE (Latest)

60.58%

ROE (Latest)

11.25%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company

NII(Q)

Highest at USD 47.65 MM

OPERATING CASH FLOW(Y)

Highest at USD 43.81 MM

NET PROFIT(HY)

At USD 29.11 MM has Grown at 89.36%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 64.59 MM

CASH AND EQV(HY)

Highest at USD 54.68 MM

-3What is not working for the Company

INTEREST(9M)

At USD 51.03 MM has Grown at 30.86%

CREDIT DEPOSIT RATIO(HY)

Lowest at 93.17%

Here's what is working for Capital Bancorp, Inc. (Maryland)

NII

Highest at USD 47.65 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 64.59 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Net Profit

At USD 29.11 MM has Grown at 89.36%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 43.81 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Cash and Eqv

Highest at USD 54.68 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Capital Bancorp, Inc. (Maryland)

Interest

At USD 51.03 MM has Grown at 30.86%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Credit Deposit Ratio

Lowest at 93.17%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)