Capital Bancorp (CBNK) - Net Assets
Based on the latest financial reports, Capital Bancorp (CBNK) has net assets worth $401.98 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.61 Billion) and total liabilities ($3.20 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Capital Bancorp asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $401.98 Million |
| % of Total Assets | 11.15% |
| Annual Growth Rate | 19.05% |
| 5-Year Change | 103.12% |
| 10-Year Change | 468.19% |
| Growth Volatility | 103.55 |
Capital Bancorp - Net Assets Trend (2000–2025)
This chart illustrates how Capital Bancorp's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Capital Bancorp for the complete picture of this company's asset base.
Annual Net Assets for Capital Bancorp (2000–2025)
The table below shows the annual net assets of Capital Bancorp from 2000 to 2025. For live valuation and market cap data, see CBNK market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $401.98 Million | +13.19% |
| 2024-12-31 | $355.14 Million | +39.35% |
| 2023-12-31 | $254.86 Million | +13.77% |
| 2022-12-31 | $224.01 Million | +13.19% |
| 2021-12-31 | $197.90 Million | +24.22% |
| 2020-12-31 | $159.31 Million | +19.49% |
| 2019-12-31 | $133.33 Million | +16.38% |
| 2018-12-31 | $114.56 Million | +42.99% |
| 2017-12-31 | $80.12 Million | +13.25% |
| 2016-12-31 | $70.75 Million | +18.59% |
| 2015-12-31 | $59.66 Million | -- |
| 2014-12-31 | $0.00 | -- |
| 2012-12-31 | $89.97 Million | -0.90% |
| 2011-12-31 | $90.78 Million | +159.61% |
| 2006-12-31 | $34.97 Million | +22.22% |
| 2005-12-31 | $28.61 Million | +10.95% |
| 2004-12-31 | $25.79 Million | +401.33% |
| 2000-12-31 | $5.14 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Capital Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 28851918800.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $286.66 Million | 71.31% |
| Common Stock | $164.00K | 0.04% |
| Other Comprehensive Income | $-5.76 Million | -1.43% |
| Other Components | $120.91 Million | 30.08% |
| Total Equity | $401.98 Million | 100.00% |
Capital Bancorp Competitors by Market Cap
The table below lists competitors of Capital Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Zhejiang Aokang Shoes Co Ltd
SHG:603001
|
$482.90 Million |
|
Skandinaviska Enskilda Banken AB (publ)
ST:SEB-C
|
$482.93 Million |
|
CHTC Helon Co Ltd
SHE:000677
|
$482.95 Million |
|
Baotou Dongbao Bio-Tech Co Ltd
SHE:300239
|
$482.96 Million |
|
Beijing InHand Networks Technology Co Ltd
SHG:688080
|
$482.54 Million |
|
Jiangsu Yida Chemical Co Ltd Class A
SHE:300721
|
$482.45 Million |
|
Prothena Corporation plc
NASDAQ:PRTA
|
$482.32 Million |
|
Kido Group Corp
VN:KDC
|
$482.28 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Capital Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 355,139,000 to 401,978,000, a change of 46,839,000 (13.2%).
- Net income of 57,170,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 5,709,000.
- Other factors decreased equity by 16,040,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $57.17 Million | +14.22% |
| Other Comprehensive Income | $5.71 Million | +1.42% |
| Other Changes | $-16.04 Million | -3.99% |
| Total Change | $- | 13.19% |
Book Value vs Market Value Analysis
This analysis compares Capital Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.30x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 16.54x to 1.30x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | $1.91 | $31.61 | x |
| 2005-12-31 | $2.12 | $31.61 | x |
| 2006-12-31 | $2.59 | $31.61 | x |
| 2014-12-31 | $0.00 | $31.61 | x |
| 2015-12-31 | $4.53 | $31.61 | x |
| 2016-12-31 | $5.38 | $31.61 | x |
| 2017-12-31 | $6.09 | $31.61 | x |
| 2018-12-31 | $9.19 | $31.61 | x |
| 2019-12-31 | $9.54 | $31.61 | x |
| 2020-12-31 | $11.54 | $31.61 | x |
| 2021-12-31 | $14.05 | $31.61 | x |
| 2022-12-31 | $15.60 | $31.61 | x |
| 2023-12-31 | $18.10 | $31.61 | x |
| 2024-12-31 | $24.26 | $31.61 | x |
| 2025-12-31 | $24.37 | $31.61 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Capital Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.22%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.83%
- • Asset Turnover: 0.08x
- • Equity Multiplier: 8.97x
- Recent ROE (14.22%) is above the historical average (9.57%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | -18.71% | -371.48% | 0.01x | 3.37x | $-1.48 Million |
| 2004 | 13.08% | 16.97% | 0.05x | 14.51x | $794.20K |
| 2005 | 11.27% | 11.12% | 0.06x | 16.57x | $362.80K |
| 2006 | 11.96% | 10.47% | 0.07x | 16.15x | $684.10K |
| 2011 | 1.21% | 0.00% | 0.00x | 6.79x | $-7.98 Million |
| 2012 | 2.74% | 0.00% | 0.00x | 6.67x | $-6.53 Million |
| 2014 | 0.00% | 0.00% | 0.00x | 0.00x | $-578.00K |
| 2015 | 12.56% | 14.08% | 0.07x | 12.46x | $1.53 Million |
| 2016 | 13.34% | 13.54% | 0.08x | 12.80x | $2.37 Million |
| 2017 | 8.87% | 9.89% | 0.07x | 12.81x | $-902.90K |
| 2018 | 11.14% | 14.93% | 0.08x | 9.65x | $1.31 Million |
| 2019 | 12.67% | 15.66% | 0.08x | 10.71x | $3.56 Million |
| 2020 | 16.21% | 17.52% | 0.08x | 11.78x | $9.89 Million |
| 2021 | 20.20% | 22.99% | 0.08x | 10.39x | $20.19 Million |
| 2022 | 18.66% | 23.22% | 0.08x | 9.48x | $19.40 Million |
| 2023 | 14.07% | 17.37% | 0.09x | 8.73x | $10.38 Million |
| 2024 | 8.72% | 12.78% | 0.08x | 9.03x | $-4.54 Million |
| 2025 | 14.22% | 18.83% | 0.08x | 8.97x | $16.97 Million |
Industry Comparison
This section compares Capital Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Capital Bancorp (CBNK) | $401.98 Million | -18.71% | 7.97x | $482.74 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About Capital Bancorp
Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in Maryland, Virginia, and the District of Columbia. It operates through four divisions: Commercial Banking, Capital Bank Home Loans, OpenSky, Windsor Advantage. The company offers a range of deposit pro… Read more