CAPITAL BANCORP INC/MD (CBNK) Stock Fundamental Analysis
NASDAQ:CBNK - Nasdaq - US1397371006 - Common Stock - Currency: USD
CBNK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. CBNK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CBNK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
CBNK had positive earnings in the past year.
In the past year CBNK had a positive cash flow from operations.
Each year in the past 5 years CBNK has been profitable.
Of the past 5 years CBNK 4 years had a positive operating cash flow.
1.2 Ratios
CBNK has a Return On Assets of 1.27%. This is amongst the best in the industry. CBNK outperforms 83.96% of its industry peers.
The Return On Equity of CBNK (11.59%) is better than 82.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 11.59% | ||
| ROIC | N/A |
ROA(3y)1.52%
ROA(5y)1.57%
ROE(3y)13.82%
ROE(5y)15.57%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 19.02%, CBNK is doing worse than 64.16% of the companies in the same industry.
In the last couple of years the Profit Margin of CBNK has declined.
The Operating Margin and Gross Margin are not available for CBNK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.02% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.38%
PM growth 5Y-1.96%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CBNK has more shares outstanding
Compared to 5 years ago, CBNK has more shares outstanding
CBNK has a better debt/assets ratio than last year.
2.2 Solvency
CBNK has a debt to FCF ratio of 0.78. This is a very positive value and a sign of high solvency as it would only need 0.78 years to pay back of all of its debts.
CBNK has a Debt to FCF ratio of 0.78. This is amongst the best in the industry. CBNK outperforms 80.95% of its industry peers.
CBNK has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.04, CBNK belongs to the best of the industry, outperforming 82.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBNK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.53%.
The Earnings Per Share has been growing by 16.89% on average over the past years. This is quite good.
CBNK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.80%.
Measured over the past years, CBNK shows a quite strong growth in Revenue. The Revenue has been growing by 15.14% on average per year.
EPS 1Y (TTM)3.53%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%41.54%
Revenue 1Y (TTM)11.8%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%37.76%
3.2 Future
CBNK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.03% yearly.
The Revenue is expected to grow by 19.69% on average over the next years. This is quite good.
EPS Next Y26.24%
EPS Next 2Y17.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.34%
Revenue Next 2Y19.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.77, the valuation of CBNK can be described as reasonable.
62.16% of the companies in the same industry are more expensive than CBNK, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CBNK to the average of the S&P500 Index (29.63), we can say CBNK is valued rather cheaply.
The Price/Forward Earnings ratio is 9.32, which indicates a very decent valuation of CBNK.
80.45% of the companies in the same industry are more expensive than CBNK, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CBNK to the average of the S&P500 Index (22.68), we can say CBNK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.77 | ||
| Fwd PE | 9.32 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBNK indicates a slightly more expensive valuation: CBNK is more expensive than 77.44% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CBNK's earnings are expected to grow with 17.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)0.7
EPS Next 2Y17.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.18%, CBNK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.18, CBNK is paying slightly less dividend.
With a Dividend Yield of 1.18, CBNK pays less dividend than the S&P500 average, which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.18% |
5.2 History
CBNK has been paying a dividend for over 5 years, so it has already some track record.
CBNK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
14.59% of the earnings are spent on dividend by CBNK. This is a low number and sustainable payout ratio.
DP14.59%
EPS Next 2Y17.03%
EPS Next 3YN/A
31.06
-1.16 (-3.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.98%
Inst Owner Change-95.03%
Ins Owners26.26%
Ins Owner Change4.09%
Market Cap517.46M
Analysts84
Price Target36.72 (18.22%)
Short Float %0.91%
Short Ratio1.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.18% |
Yearly Dividend0.28
Dividend Growth(5Y)N/A
DP14.59%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.99%
Min EPS beat(2)-5.19%
Max EPS beat(2)-2.78%
EPS beat(4)1
Avg EPS beat(4)-3.52%
Min EPS beat(4)-8.57%
Max EPS beat(4)2.45%
EPS beat(8)3
Avg EPS beat(8)-0.81%
EPS beat(12)7
Avg EPS beat(12)3.99%
EPS beat(16)11
Avg EPS beat(16)9.3%
Revenue beat(2)0
Avg Revenue beat(2)-1.64%
Min Revenue beat(2)-2.53%
Max Revenue beat(2)-0.75%
Revenue beat(4)0
Avg Revenue beat(4)-2.71%
Min Revenue beat(4)-6.3%
Max Revenue beat(4)-0.75%
Revenue beat(8)0
Avg Revenue beat(8)-3.3%
Revenue beat(12)0
Avg Revenue beat(12)-3.14%
Revenue beat(16)2
Avg Revenue beat(16)-1.8%
PT rev (1m)12.5%
PT rev (3m)19.01%
EPS NQ rev (1m)-1.15%
EPS NQ rev (3m)-1.15%
EPS NY rev (1m)5.15%
EPS NY rev (3m)5.57%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)2.85%
Revenue NY rev (3m)2.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.77 | ||
| Fwd PE | 9.32 | ||
| P/S | 3.03 | ||
| P/FCF | 33.5 | ||
| P/OCF | 33.95 | ||
| P/B | 1.85 | ||
| P/tB | 1.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.64
EY8.5%
EPS(NY)3.33
Fwd EY10.73%
FCF(TTM)0.93
FCFY2.98%
OCF(TTM)0.91
OCFY2.95%
SpS10.25
BVpS16.81
TBVpS16.81
PEG (NY)0.45
PEG (5Y)0.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 11.59% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.02% | ||
| GM | N/A | ||
| FCFM | 9.05% |
ROA(3y)1.52%
ROA(5y)1.57%
ROE(3y)13.82%
ROE(5y)15.57%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.38%
PM growth 5Y-1.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 55.41% | ||
| Cap/Sales | 0.12% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 47.57% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC12.57%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.53%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%41.54%
EPS Next Y26.24%
EPS Next 2Y17.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.8%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%37.76%
Revenue Next Year32.34%
Revenue Next 2Y19.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-64.98%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-67.71%
OCF growth 3YN/A
OCF growth 5YN/A