Capital Bancorp
Runs a D.C.-area commercial bank alongside OpenSky cards, Windsor servicing, and mortgages.
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Profile
Operates a D.C.-Baltimore commercial bank alongside nationwide OpenSky credit cards, Windsor Advantage SBA/USDA servicing, and Capital Bank Home Loans mortgages. Revenue mix is anchored by commercial banking and shaped by credit-card performance, deposit costs, mortgage sale flow, and government-loan servicing activity.
Runs through Capital Bank, N.A., pairing a commercial-focused community bank in the Washington, D.C. and Baltimore areas with national specialty platforms. Commercial Banking serves businesses, nonprofits, entrepreneurs, and other customers with business deposits, treasury services, C&I, commercial real estate, lender finance, and construction lending.
OpenSky issues secured, partially secured, and unsecured credit cards nationwide for under-banked customers and people rebuilding credit. Windsor Advantage provides outsourced SBA and USDA lending services for community banks and credit unions, while Capital Bank Home Loans originates residential mortgages for sale into the secondary market.
Execution depends on relationship banking, digital card origination, government-guaranteed loan servicing, and mortgage sale flow. Results move with commercial loan demand, deposit funding costs, card credit performance, mortgage origination volumes, and SBA/USDA servicing activity.
Company facts
Categories
Key statistics
Year to date +30.5% · Average volume (30d) 54.7K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior target | Target |
|---|---|---|---|---|
| Oct 30, 2025 | Stephens | Target | $28 | $37 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 27, 2026Q2 FY26 | $0.82 | $0.87 | +5.6% | $66.5M | $65.3M | −1.9% | +4.05% |
| Apr 27, 2026Q1 FY26 | $0.78 | $0.73 | −6.4% | $62.4M | $62.8M | +0.6% | −4.56% |
| Jan 26, 2026Q4 FY25 | $0.79 | $0.91 | +15.5% | $61.1M | $62.7M | +2.7% | +2.04% |
| Oct 27, 2025Q3 FY25 | $0.88 | $0.72 | −18.2% | $61.1M | $62.0M | +1.5% | −2.91% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $75.3M | $76.7M | $74.8M | $79.9M | $68.0M | $70.0M | |
| Gross profit | $56.4M | $55.7M | $57.1M | $57.6M | $49.4M | $50.9M | |
| Operating income | $18.3M | $17.1M | $19.9M | $19.7M | $2.5M | $4.1M | |
| Net income | $13.9M | $13.1M | $15.1M | $15.0M | $12.0M | $14.3M | |
| Diluted EPS | $0.82 | $0.78 | $0.89 | $0.91 | $0.73 | $0.87 | |
| Gross margin | 74.8% | 72.6% | 76.3% | 72.1% | 72.7% | 72.8% | |
| Operating margin | 24.3% | 22.3% | 26.5% | 24.6% | 3.7% | 5.9% |
Fiscal years (4-quarter sums)FY21 $173.9M · FY22 $180.0M · FY23 $208.2M · FY24 $241.8M · FY25 $306.8M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $244.7M · Total debt $52.1M · Total assets $3.89B · Shareholders' equity $422.2M
Dividends
Raised for 3 straight years — most recently to $0.14 from $0.12 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 10, 2026 | Aug 10 | Aug 26 | $0.14 | raised from $0.12 |
| May 11, 2026 | May 11 | May 27 | $0.12 | |
| Feb 9, 2026 | Feb 9 | Feb 25 | $0.12 | |
| Nov 10, 2025 | Nov 10 | Nov 26 | $0.12 | |
| Aug 11, 2025 | Aug 11 | Aug 27 | $0.12 | raised from $0.10 |
| May 12, 2025 | May 12 | May 28 | $0.10 | |
| Feb 10, 2025 | Feb 10 | Feb 26 | $0.10 | |
| Nov 4, 2024 | Nov 4 | Nov 20 | $0.10 |
Ownership
Shares outstanding 16.29M · Float 10.81M · 66.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 722.0K | 4.43% | 13F | May 13, 2026 |
| James F. Whalen · director | 668.0K | 4.10% | Form 4 | Mar 3, 2026 |
| Scot Richard Browning · director, officer: Pres, Specialty & CRE Lending | 517.6K | 3.18% | Form 4 | Mar 4, 2026 |
| AllianceBernstein L.P. | 507.0K | 3.11% | 13F | May 15, 2026 |
| Vanguard Capital Management LLC | 496.7K | 3.05% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Nov 12, 2025 | Dominic C. Canuso | other: Former EVP, CFO | −3,400 | $27.95 |
Peers
- Capital One
Large U.S. card issuer competing for credit-building card customers
- Eagle Bancorp
Washington-area commercial bank with direct C&I and CRE overlap
- Synchrony Financial
Scaled consumer-credit platform with large credit-card receivables base
- Burke & Herbert Financial Services
D.C.-area commercial bank expanding in Maryland and Mid-Atlantic markets
- M&T Bank
Scaled Mid-Atlantic bank across commercial, CRE, deposits, and mortgages
- Truist Financial
Top-10 commercial bank with strong Southeast and Mid-Atlantic overlap
- Live Oak Bancshares
National SBA lender and small-business bank overlapping Windsor Advantage
- Fulton Financial
Mid-Atlantic regional bank in Maryland, Delaware, Virginia, and nearby states
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Capital Bancorp | $36.54 | −0.11% | $595.2M | 10.7 | 9.8 | 2.0 | +9.2% |
| Capital One | $223.60 | +3.64% | $132.31B | 13.3 | 9.9 | 1.7 | +26.0% |
| Eagle Bancorp | $27.57 | −0.07% | $840.8M | — | 14.8 | 1.4 | −1.5% |
| Synchrony Financial | $80.54 | +3.19% | $25.40B | 8.0 | 8.2 | 1.3 | −21.1% |
| Burke & Herbert Financial Services | $71.71 | 0.00% | $1.44B | 11.5 | 8.5 | 3.3 | +24.6% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Live Oak Bancshares | $40.13 | −0.04% | $1.86B | 14.1 | 11.1 | 1.7 | +10.0% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| Median | 12.0 | 10.6 | 1.9 | +8.2% |