Capital Bancorp (CBNK)
Runs a D.C.-area commercial bank alongside OpenSky cards, Windsor servicing, and mortgages.
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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
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 3, 2026 | Raymond James | Initiate | Rating: — | |
| Oct 30, 2025 | Stephens | Target | Target: $28 | Target: $37 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $244.7M · Total debt $52.1M · Total assets $3.89B · Shareholders' equity $422.2M
- Revenue
- $70.0M
- Operating income
- $4.1M
- Net income
- $14.3M
HistoryDividendAnnual yield
| Institutions | ≈ 45.58% | 7.42M shares | |
|---|---|---|---|
| 129 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 31.55% | 5.14M shares | |
| 26 holders · as of Apr 6, 2026 | |||
| Other | ≈ 22.87% | 3.73M shares | |
| remainder | |||
16.29M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
James F. Whalen1Insiderdirector | 6.04% | 982,716 | filed Mar 3, 2026 |
Randall J. LevittInsider | 5.96% | 970,005 | filed Feb 13, 2026 |
Joshua Bernstein2Insiderdirector | 5.37% | 873,536 | filed Mar 3, 2026 |
BlackRock, Inc.Institution | 4.83% | 786,588 | as of Jun 30, 2026 |
Scot Richard BrowningInsiderdirector, officer: Pres, Specialty & CRE Lending | 3.18% | 517,551 | filed Mar 4, 2026 |
- James F. Whalen's transaction reports restate only vehicles that traded; the 2026 ownership statement (982.7K) plus the 1.1K net shares acquired since is used instead.
- Joshua Bernstein's transaction reports restate only vehicles that traded; the 2026 ownership statement (873.5K) plus the 1.1K net shares acquired since is used instead.
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Nov 12, 2025 | Dominic C. Canuso | other: Former EVP, CFO | −3,400 | $27.95 |
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- Burke & Herbert Financial Services
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- 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
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Capital Bancorp | $35.78 | −0.47% | $585.6M | 10.6 | 9.6 | 2.0 | +9.2% |
| Capital One | $198.17 | −1.19% | $123.03B | 12.4 | 9.1 | 1.6 | +26.0% |
| Eagle Bancorp | $28.06 | +0.14% | $854.5M | — | 14.9 | 1.4 | −1.5% |
| Synchrony Financial | $71.41 | −1.73% | $23.64B | 7.4 | 7.5 | 1.2 | −21.1% |
| Burke & Herbert Financial Services | $69.11 | −0.50% | $1.40B | 11.1 | 8.2 | 3.2 | +24.6% |
| M&T Bank | $220.94 | −1.11% | $32.38B | 11.8 | 11.1 | 2.6 | +5.7% |
| Truist Financial | $47.64 | −0.89% | $59.89B | 11.4 | 10.1 | 2.0 | +6.5% |
| Live Oak Bancshares | $37.61 | −0.69% | $1.75B | 13.3 | 10.4 | 1.6 | +10.0% |
| Fulton Financial | $22.96 | −0.26% | $4.40B | 11.0 | 10.4 | 2.3 | +13.5% |
| Median | 11.4 | 10.2 | 1.8 | +8.2% |