What is the 13F Pro Quality Score for CBNK?

13F Pro ranks Capital Bancorp Inc (CBNK) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CBNK's current score at https://13fpro.ai/company/CBNK (free sign-up required for the full ranking).

Where does 13F Pro source CBNK data?

All Capital Bancorp Inc fundamentals and ownership data come directly from SEC EDGAR. Capital Bancorp Inc files with the SEC under CIK 1419536. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CBNK in?

Capital Bancorp Inc (CBNK) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives CBNK's revenue?

Per Capital Bancorp Inc's latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Net Interest Income ($50.9M, +6.9% YoY); Noninterest Income ($14.4M, +9.6% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/CBNK.

What are CBNK's largest expenses?

Capital Bancorp Inc's latest 10-Q reports these as the largest expense items: Noninterest Expense ($43.2M, +9.1% YoY); Provision for Credit Losses ($3.6M, -12.2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is CBNK research updated on 13F Pro?

CBNK's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Capital Bancorp Inc(CBNK)Stock Analysis

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SEC EDGAR: CIK 1419536 CBNK stock profile & AI dashboard →

13F Pro Quality Score

63.7/100

Rank #598 of 2,962 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

82.2/100

Profitability

83.8/100

Balance Sheet

49.7/100

Earnings Quality

49.9/100

Free Cash Flow

80.5/100

Institutional Flow

45.1/100

Revenue Scale

26.9/100

Dilution Risk

68.7/100

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Why CBNK Scores 64/100

exact factor attribution · 2026-09-11

CBNK's composite is driven by revenue growth and profitability, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.6 pts

82th pct

Profitability

+6.8 pts

84th pct

Free cash flow

+4.6 pts

81th pct

Earnings growth

+2.1 pts

81th pct

Shareholder dilution

+1.3 pts

69th pct

Earnings quality

-0.0 pts

50th pct

Capital efficiency

-0.0 pts

50th pct

Institutional flow

-0.3 pts

45th pct

Scale

-4.6 pts

27th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CBNK Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Capital Bancorp Inc (CBNK), a Financials sector company. 13F Pro's AI-powered ranking engine scores CBNK at 63.7/100 on a 32-signal composite quality model, placing it at rank #598 of 2,962 stocks — the top 25% of the AI-ranked universe. CBNK scores in the top quartile across profitability (83.8), revenue growth (82.2), free cash flow (80.5). Areas of concern include revenue scale (26.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Capital Bancorp Inc reports quarterly revenue of $65.3M, net income of $14.3M, an operating margin of 28.3%. Top institutional holders of CBNK by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. CBNK trades on the Nasdaq exchange and files with the SEC under CIK 1419536. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CBNK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Capital Bancorp Inc directly from SEC EDGAR. Capital Bancorp Inc's 13F Pro composite quality score has ranged between 37 and 64 since 2026, currently 63.7 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about Capital Bancorp Inc

Quirks, history, and lore behind CBNK — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · listed on Nasdaq · headquartered in Maryland · serving the Mid-Atlantic region.
2
The Numbers
A small-cap institution with total assets in the low billions of dollars — big enough to matter locally, small enough that Wall Street rarely calls.
3
The History
Founded in the late 1990s, it carved out a niche by focusing heavily on owner-occupied and investor real estate lending in suburban Washington, D.C. markets.
4
The Secret
A surprisingly large slice of its loan portfolio is dedicated to tax-credit financing and affordable housing — not your typical community bank side dish.
5
The Lore
It operates a branchless or lean-branch model — keeping overhead low while quietly growing deposits and loans across the D.C. metro area.
6
The Giveaway
Its ticker spells out exactly what it is: a Capital-area bank holding company based in Rockville, Maryland, trading under four very on-the-nose letters.

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What's Driving CBNK's Business? Latest 10-Q Breakdown

✓ 18/18 datapoints verified

AI-extracted from Capital Bancorp Inc's 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Capital Bancorp reported net income of $14.3M in Q2 2026, up 8.5% YoY, with net interest income growth of 6.9% to $50.9M driven by organic loan growth and OpenSky unsecured card expansion.

Biggest Revenue Drivers

Net Interest Income$50.9M+6.9% YoY

Increased by $3.3M from Commercial Bank organic loan growth and OpenSky unsecured product growth, partially offset by $2.1M higher interest expense.

Noninterest Income$14.4M+9.6% YoY

Driven by $1.7M increase in government loan servicing revenue, $0.9M gain on loan servicing rights, and $0.2M mortgage banking revenue growth.

Biggest Revenue Drivers

Total revenue: $65.3M+7.5% YoY

Net Interest Income$50.9M+6.9% YoY

Increased by $3.3M from Commercial Bank organic loan growth and OpenSky unsecured product growth, partially offset by $2.1M higher interest expense.

Noninterest Income$14.4M+9.6% YoY

Driven by $1.7M increase in government loan servicing revenue, $0.9M gain on loan servicing rights, and $0.2M mortgage banking revenue growth.

Largest Expense Items

Noninterest Expense$43.2M+9.1% YoY

Increases in professional fees (+$1.7M), salaries and benefits (+$1.6M), occupancy and equipment (+$0.9M) offset by decreased merger-related expenses (-$1.4M).

Provision for Credit Losses$3.6M-12.2% YoY

Decreased from prior year primarily due to $3.2M release in C&I reserves, offset by $1.1M increase for OpenSky from unsecured portfolio growth.

Margins: Net interest margin compressed 40 basis points to 5.64% in Q2 2026 from 6.04% in Q2 2025, driven by rate environment impacts on OpenSky yields partially offset by $3.3M organic loan growth. Core net interest margin (non-GAAP) decreased to 4.04% from 4.42%, reflecting the interest rate environment headwind.

Watch Items from the Filing

Nonperforming loans increased $2.6M to $57.0M (1.85% of loans), with one C&I relationship of $21.2M past due; modified and brought current in July 2026 post-quarter end.
Past due loans jumped $26.9M to $120.4M (3.9% of loans) driven by $16.7M C&I increase and $12.6M construction increase, with three construction loans stalled ($9.7M) now in foreclosure.
Net interest margin declined 40 bps YoY; core margin (excluding OpenSky) declined 38 bps, indicating structural margin pressure from rate environment and product mix shift.
Material weakness in internal control over financial reporting remains unresolved; remediation measures implemented but not yet operated for sufficient time to declare remediation complete.
OpenSky unsecured card portfolio grew to $51.2M from $47.1M YoY; charge-offs increased $0.9M to $2.9M in Q2 2026, reflecting higher credit card loss rates of 8.53% annualized.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$65.3M

Net Income

Q2 2026

$14.3M

Operating Margin

Q2 2026

28.3%

ROIC

Q2 2026

17.5%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+31.7% YoY

$245.2MFY 2025

FY22 $170.0MFY23 $166.5MFY24 $186.2MFY25 $245.2M

Net Income

+84.6% YoY

$57.2MFY 2025

FY22 $41.8MFY23 $35.9MFY24 $31.0MFY25 $57.2M

Operating Income

—FY 2025

FY22 $-4.5MFY23 $-4.6MFY24 $-3.7MFY25 —

EPS (Diluted)

+60.8% YoY

$3.41FY 2025

FY22 $2.91FY23 $2.55FY24 $2.12FY25 $3.41

Total Assets

+12.5% YoY

$3.61BFY 2025

FY22 $2.12BFY23 $2.23BFY24 $3.21BFY25 $3.61B

Op. Cash Flow

+99.6% YoY

$69.7MFY 2025

FY22 $51.4MFY23 $47.4MFY24 $34.9MFY25 $69.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$245.2M +31.7%	$186.2M +11.8%	$166.5M -2.0%	$170.0M +1.6%	$167.3M +24.7%	$134.2M
Net Income	$57.2M +84.6%	$31.0M -13.7%	$35.9M -14.2%	$41.8M +4.6%	$40.0M +54.8%	$25.8M
Operating Income	—	$-3.7M +19.5%	$-4.6M -3.2%	$-4.5M	—	—
EPS (Diluted)	$3.41 +60.8%	$2.12 -16.9%	$2.55 -12.4%	$2.91 +2.5%	$2.84 +51.9%	$1.87
Total Assets	$3.61B +12.5%	$3.21B +44.1%	$2.23B +4.8%	$2.12B +3.3%	$2.06B +9.5%	$1.88B
Operating Cash Flow	$69.7M +99.6%	$34.9M -26.3%	$47.4M -7.7%	$51.4M -61.1%	$132.1M +2320.3%	$5.5M

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Available Research

13F Pro tracks comprehensive data for Capital Bancorp Inc including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CBNK

BlackRock, Inc.
$27.6M786,588 sh
VANGUARD CAPITAL MANAGEMENT LLC
$17.5M497,906 sh
DIMENSIONAL FUND ADVISORS LP
$13.8M392,750 sh
ALLIANCEBERNSTEIN L.P.
$13.1M439,426 sh
GEODE CAPITAL MANAGEMENT, LLC
$10.5M298,500 sh
AMERICAN CENTURY COMPANIES INC
$10.4M295,949 sh
Wealthspire Advisors, LLC
$10.2M291,615 sh
Pacific Ridge Capital Partners, LLC
$10.1M286,371 sh
KENNEDY CAPITAL MANAGEMENT LLC
$9.3M264,465 sh
STATE STREET CORP
$8.4M239,814 sh

Fund	Value	Shares
BlackRock, Inc.	$27.6M	786,588
VANGUARD CAPITAL MANAGEMENT LLC	$17.5M	497,906
DIMENSIONAL FUND ADVISORS LP	$13.8M	392,750
ALLIANCEBERNSTEIN L.P.	$13.1M	439,426
GEODE CAPITAL MANAGEMENT, LLC	$10.5M	298,500
AMERICAN CENTURY COMPANIES INC	$10.4M	295,949
Wealthspire Advisors, LLC	$10.2M	291,615
Pacific Ridge Capital Partners, LLC	$10.1M	286,371
KENNEDY CAPITAL MANAGEMENT LLC	$9.3M	264,465
STATE STREET CORP	$8.4M	239,814

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Is CBNK a good stock to buy?

13F Pro's AI-powered analysis of Capital Bancorp Inc (CBNK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CBNK are available on the CBNK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. CBNK is classified as a small company.

Which hedge funds own CBNK?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CBNK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Capital Bancorp Inc's investment landscape.