Capital Bancorp (CBNK) — Cash Flow Quality Index
Latest as of March 2026:
1.81x
Capital Bancorp (CBNK) has a Cash Flow Quality Index of 1.81x as of March 2026. Operating cash flow of $21.78 Million exceeds net income of $12.02 Million, indicating high earnings quality where cash backs reported profits. Explore Capital Bancorp (CBNK) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
1.81x
Operating CF / Net Income
Operating Cash Flow
$21.78 Million
USD
Net Income
$12.02 Million
USD
Data as of
Mar 2026
Most recent filing
Capital Bancorp Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for Capital Bancorp across 18 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see CBNK cash flow conversion.
Annual Cash Flow Quality Index for Capital Bancorp (2003–2025)
Year-by-year earnings quality comparison for Capital Bancorp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.22x | $69.72 Million | $57.17 Million | ▲ +8.1% |
| 2024 | 1.13x | $34.93 Million | $30.97 Million | ▼ -14.7% |
| 2023 | 1.32x | $47.42 Million | $35.87 Million | ▲ +7.5% |
| 2022 | 1.23x | $51.39 Million | $41.80 Million | ▼ -62.8% |
| 2021 | 3.30x | $132.08 Million | $39.98 Million | ▲ +1463.3% |
| 2020 | 0.21x | $5.46 Million | $25.82 Million | ▲ +113.1% |
| 2019 | -1.61x | $-27.21 Million | $16.89 Million | ▼ -172.7% |
| 2018 | 2.22x | $28.30 Million | $12.77 Million | ▼ -54.7% |
| 2017 | 4.90x | $34.81 Million | $7.11 Million | ▲ +513.5% |
| 2016 | 0.80x | $7.54 Million | $9.44 Million | ▼ -64.1% |
| 2015 | 2.22x | $16.67 Million | $7.49 Million | ▲ +23.3% |
| 2013 | 1.80x | $4.61 Million | $2.55 Million | ▼ -32.9% |
| 2012 | 2.69x | $6.63 Million | $2.46 Million | ▼ -43.2% |
| 2011 | 4.74x | $5.21 Million | $1.10 Million | ▲ +180.8% |
| 2006 | 1.69x | $7.05 Million | $4.18 Million | ▼ -4.7% |
| 2005 | 1.77x | $5.71 Million | $3.22 Million | ▲ +16.2% |
| 2004 | 1.52x | $5.14 Million | $3.37 Million | ▼ -4.1% |
| 2003 | 1.59x | $3.81 Million | $2.40 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.