Capital Bancorp (CBNK) Financial Statements & Analysis

Capital Bancorp (CBNK) Income Statement

Capital Bancorp reported revenue of $303.63M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 65.3% from $183.72M a year earlier. Net income was $57.17M, up 84.6% year over year, a net margin of 18.8%. Gross margin was 73.6% and operating margin 23.3%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $69.96M, up 23.4% from the same quarter a year earlier.

Capital Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Capital Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	303.63	183.73	164.87	180.02	163.97	147.40	107.87	85.53	71.89
Cost of Revenue	80.06	76.66	51.19	16.67	9.91	24.42	18.63	13.38	10.41
Gross Profit	223.57	165.62	155.36	163.35	163.97	122.97	89.24	72.15	61.48
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	86.09	62.40	54.92	49.12	42.65	62.89	50.16	40.81	35.36
Operating Expenses	152.99	123.79	109.13	109.11	110.09	87.83	66.53	54.40	47.38
Operating Income	70.61	41.83	46.23	54.23	53.88	35.14	22.71	17.75	14.10
Other Income/Expense
Interest Income	260.87	213.30	183.21	150.65	123.24	97.25	82.18	69.13	56.67
Interest Expense	64.88	58.56	41.68	10.04	6.55	13.18	15.84	11.24	7.76
Other Income/Expense	4.33	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	74.94	41.83	46.23	54.23	113.33	35.14	22.71	17.75	14.10
Income Tax Expense	17.77	10.86	10.35	12.43	13.90	9.31	5.82	4.98	6.99
Net Income	57.17	30.97	35.87	41.80	113.33	25.82	16.90	12.77	7.11
Net Income - Continuous Operations	57.17	30.97	35.87	41.80	39.98	25.82	16.90	12.77	7.11
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	73.57	2.21	0.47	55.67	1.21	37.03	25.07	18.83	15.08
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	2.96	2.21	0.47	1.43	1.21	1.89	2.35	1.09	0.98
Earnings Per Share
Basic EPS	3.00	2.00	3.00	3.00	3.00	2.00	1.00	1.00	1.00
Diluted EPS	3.00	2.00	3.00	3.00	3.00	2.00	1.00	1.00	1.00
Basic Shares Outstanding	16.49	14.58	14.00	14.03	13.80	13.79	13.73	12.12	13.16
Diluted Shares Outstanding	16.49	14.66	14.08	14.36	14.08	13.80	13.97	12.46	13.16

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Capital Bancorp Financial Statements

What was Capital Bancorp's revenue in fiscal 2025?

Capital Bancorp reported revenue of $303.63M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 65.3% from $183.72M a year earlier.

Is Capital Bancorp profitable?

Yes. Capital Bancorp earned net income of $57.17M in fiscal 2025, a net margin of 18.8%. In fiscal 2024 it earned $30.97M.

What is Capital Bancorp's operating margin?

Capital Bancorp's operating income was $70.61M on revenue of $303.63M in fiscal 2025, an operating margin of 23.3%, compared with 22.8% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition