Capital Bancorp Inc financial statements

Income statement, balance sheet and cash flow statement for the last 9 fiscal years, taken from the XBRL data Capital Bancorp Inc files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2018	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Operating income						-4.47	-4.61	-3.71
Interest expense	7.76	11.2	15.8	13.2	6.55	10	41.7
Pre-tax income	14.1	17.7	22.7	35.1	53.9	54.2	46.2	41.8	74.9
Income tax	6.99	4.98	5.82	9.31	13.9	12.4	10.4	10.9	17.8
Net income	7.11	12.8	16.9	25.8	40	41.8	35.9	31	57.2
EPS, basic	0.63	1.05	1.23	1.87	2.90	2.98	2.56	2.12	3.45
EPS, diluted	0.62	1.02	1.21	1.87	2.84	2.91	2.55	2.12	3.41
Shares, basic (weighted)	11.3	12.1	13.7	13.8	13.8	14	14	14.6	16.6
Shares, diluted (weighted)	11.4	12.5	14	13.8	14.1	14.4	14.1	14.6	16.8
Dividend per share					0.10	0.22	0.28	0.36	0.44

Balance sheet

	FY2018	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	52.3	34.7	115	147	183	80.4	54	205	256
Property, plant and equipment	2.6	2.98	6.09	4.46	3.28	3.39	5.07	15.5	15.1
Lease right-of-use assets			5.16	5.4	5.36			5.26
Goodwill						0	0	21.1	26
Intangible assets								15.8	14.8
Total assets	1,026	1,105	1,428	1,877	2,055	2,124	2,226	3,207	3,606
Total liabilities	946	990	1,294	1,717	1,857	1,900	1,971	2,852	3,204
Paid-in capital	27.1	49.3	51.6	50.6	54.3	58.2	54.5	124	115
Retained earnings	53.2	65.7	81.6	107	145	182	213	243	293
Other comprehensive income	-0.25	-0.6	0.01	1.72	-1.08	-16.8	-13.1	-11.5	-5.76
Shareholders' equity	80.1	115	133	159	198	224	255	355	402
Total equity	80.1	115	133	159	198	224	255	355	402
Total liabilities and equity	1,026	1,105	1,428	1,877	2,055	2,124	2,226	3,207	3,606
Shares outstanding	11.5	13.7	13.9	13.8	14	14.1	13.9	16.7	16.4

Cash flow statement

	FY2018	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	7.11	12.8	16.9	25.8	40	41.8	35.9	31	57.2
Stock-based compensation	0.51	0.57	0.8	0.98	1.35	1.66	1.76	1.9	1.61
Deferred income tax	-0.24	-0.14	-0.84	-3.17	-1.93	1.24	0.14	-1.81	1.1
Cash from operations	34.8	28.3	-27.2	5.46	132	51.4	47.4	34.9	69.7
Capital expenditures	-1.42	-1.74
Acquisitions							0	65.2	0
Purchases of investments	-12.8	0	-38.6	-53.9	-170	-113	-6.96	-65.4	-54.9
Sales and maturities of investments	6.2	6.04	22.1	16	13.9	23.8	56	53.2	56.1
Cash from investing	-133	-109	-188	-386	-238	-198	-131	-270	-351
Stock issued	0	0.2	0	0.92	0.97	1.24	1.79	1.08	1.16
Share buybacks	-0.51	-0.05	-0.37	-3.72	0	0	-8.83	-1.4	-11.7
Dividends paid				0	-1.38	-3.09	-3.92	-5.28	-7.3
Cash from financing	113	63.4	295	412	143	44.1	57	386	331
Net change in cash	14.2	-17.6	80.1	32.1	36.5	-103	-26.5	151	50.2
Free cash flow	33.4	26.6
Interest paid	7.45	10.8	15.6	13.8	7.21	9.48	37.1	54.7	65.5
Income taxes paid	7.99	2.66	5.45	12	15.9	11.7	7.7	9.1	18.8

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $36.05 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	23.7%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	13.4%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	1.4%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	84.6%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	11.0%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	17.2%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	60.8%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	5.4%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	12.8%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	99.6%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	10.7%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	66.4%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	22.2%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	26.0%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y	13.1%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	21.5%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	20.3%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	12.5%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	19.3%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	14.0%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	14.5%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	5.3%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	4.0%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	89.1%	Total liabilities / total assets.
Goodwill and intangibles / assets	1.0%	(Goodwill + intangible assets) / total assets.
Tangible book value	$382.0M	Shareholders' equity - goodwill - intangible assets.

Per share

Metric	Value	How it is calculated
EPS, diluted	$3.44	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Operating cash flow per share	$4.16	Cash from operations / diluted weighted shares.
Book value per share	$25.92	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$23.45	Tangible book value / shares outstanding.
Cash per share	$25.68	(Cash + short-term investments) / shares outstanding.
Payout ratio	14.0%	Dividends paid / net income, when net income is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$587.3M	Share price x shares outstanding.
Enterprise value	$169.0M	Market cap + total debt - cash - short-term investments.
P/E	10.4x	Market cap / net income. Only when net income is positive.
P/B	1.39x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.54x	Market cap / tangible book value, when positive.
P/OCF	8.62x	Market cap / cash from operations, when positive.
Earnings yield	9.6%	Net income / market cap (the inverse of P/E).
Dividend yield	1.3%	Dividends paid over the period / market cap.
Shareholder yield	3.4%	(Dividends paid + share buybacks) / market cap.
PEG	1.92x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

Was Capital Bancorp Inc profitable in fiscal 2025?

Yes. Net income was $57.2M, a net margin of -.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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