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Fundamental analysis: Capital Bancorp, Inc. (CBNK)

Awarener score: 6.4

Conclusion

Note: All scores range from 1 (worst) to 10 (best). Conclusions are updated daily with closing stock prices and new reported quarterly financial statements.

Revenue score: 6.0

• Business has been growing at a very good pace. It's been top tier when measured against peer companies.
• Capital Bancorp, Inc. business shows some variation, there's some risk. It looks worse than most rivals.

Margins score: 8.8

• CBNK profit margins -on goods and services sold- are usually huge. They stand well ranked against rival companies.
• Business profit on sales tends to be good. It's weak when measured against competitors.
• Profits on sales made -available to repay debt and purchase properties- are usually excellent. They remain in a very weak position compared to peers.
• Earnings -before income taxes and interests on loans taken- tend to be excellent in relation to total revenues. They're still worse than most similar companies.
• Profits -before income taxes- are usually excellent considering total sales, and remain substantially worse when measured against rivals.
• Total net profit tends to be excellent when confronted to sales. Company stands substantially worse when measured against comparable firms.

Growth score: 7.7

• Capital Bancorp, Inc. profit -on goods and services sold- has been growing at a good pace. It's been rather normal in relation to competitors.
• In recent years, earnings -on operations- have been growing at an excellent step, which has been slightly worse than comparable firms.
• Profits -available to repay debt and purchase properties- have been growing at a good pace, which compares great when measured against peer enterprises.
• Earnings -before income taxes and interests on loans taken- have been growing at a good tempo. It turns to be excellent in relation to similar stocks.
• In past years, profits -before income taxes- grew at a very good speed. It was better than most rivals.
• In the previous years, growth trend on total net profit has been very good, and great when measured against peer companies.
• Earnings per share have grown at a very good rhythm in past years. It's been excellent in relation to industry peers.

Miscellaneous score: 4.0

• CBNK had to pay substantial income taxes in relation to profits made in the past years. It's been mediocre against peers.
• The company does not report R&D expenses. It's meaningless to measure in relation to competitors.
• We have insufficient data to estimate how effective is research and development effort. It stands unknown against rival companies.

Profitability score: 7.8

• Capital Bancorp, Inc. usually gets sufficient returns on the resources it controls. It proves top tier when measured against peer firms.
• The company normally gets huge proceeds -on the resources directly invested in the business-. They remain impressive in relation to similar companies.
• There's usually excellent profitability -in relation to owned resources-. It ranks top tier when measured against competitors.
• In the past, got sufficient returns -on the tangible resources it controls-. This metric is usually related to the industry in which operates and combines profitability versus reinvestment needs. It's top tier when measured against comparable enterprises.

Usage of Funds score: 7.0

• CBNK usually uses a slight portion of genuine funds generated to buy or replace property, plant, or equipment. The need for reinvestments is light. It stands top tier when measured against rival firms.
• The company is usually replacing most of the property, plant, and equipment that gets old, and saving a little funds for something else, which is below average when measured against industry peers.
• In the past twelve months it paid somewhat low dividends, considering the current stock price. It came worse than most competitors.
• Has greatly increased dividend payments in the past years. Business prospects are most likely good. The company has behaved excellent in relation to similar firms.
• Dividend payments usually represent a non-significant portion of genuine funds generation and are likely very safe. Sustainability looks better than most comparable companies.
• The company somewhat enlarges a bit the pool of investors, resulting in more mouths feeding on the pie of profits. It remains lacking compared to peer enterprises.
• Repurchase effectiveness metric is very complex. Run again in analytical mode if you're interested in a technical explanation. It stands rather normal in relation to rivals.
• We do not have sufficient data to comment on buybacks and their sustainability. It still looks dubious against competitors.

Balance Sheet score: 8.4

• Capital Bancorp, Inc. has no intangible assets (like brands and goodwill) according to accounting books, which is safest. It happens to be top tier when measured against peer companies.
• The company has plenty short-term resources to face short-term obligations. There're no liquidity concerns. It turns to be excellent in relation to similar firms.
• Almost no resources controlled were provided for with financial debt. Financial strength is great. Company could significantly increase debt if it wished so, to reinvest in business, to buy a smaller company or to reward stockholders. It remains well ranked against rival firms.
• Most controlled resources might be only slowly turned into cash and equivalents, which is risky. It looks similar to rivals.
• For every dollar of short-term obligations, the company has plenty of dollars in cash and short-term receivables. It's excellent in relation to peer firms.
• For every dollar of short-term obligations, the company has plenty of dollars in cash and equivalents, which is top-notch against similar enterprises.
• Usually, sales are on less than a month credit. It still ranks encouraging in relation to peers.
• Days of inventory outstanding are not known. It comes up as a big question mark against competitors.
• We could not gauge the normal operating cycle of the company. It happens to be a mystery against peers.
• Unfortunately, we had not enough data to estimate the days of payables outstanding. It ranks unknown against industry peers.
• Cash conversion cycle remains unknown, due to not having enough inputs. It's incomparable against similar companies.
• Company earns net interest income on its investments and therefore is in a quite comfortable financial position. It stands top-notch against rival firms.
• Business earnings have usually been excellent when measured against loans taken. It could take less than two years to repay the obligations with current profitability. It ranks top tier when measured against comparable enterprises.
• Revenues are huge in relation to property, plant, and equipment required to operate. This metric is likely dependent on the industry the company operates in. Low property, plant, and equipment requirements, allows the company to keep more money to reward stockholders in the long run. It looks impressive in relation to similar firms.
• Resource exploitation is very low when yearly sales are considered, business volume must be greatly increased. This metric is normally tied to the industry where the firm belongs. It's still top-notch against peer companies.

Valuation score: 7.2

• Capital Bancorp, Inc. has an unknown adjusted Price-to-Earnings ratio, so we cannot comment on that. It happens to be a necessary comparison against competitors.
• Price-to-Tangible-Book-Value is a fairly complex metric. Run again in analytical mode if you're interested in a technical explanation. It remains rather normal in relation to peers.
• There is insufficient information on the genuine funds generation capability showed in the past twelve months, which stands as an incognita in relation to similar companies.
• Unfortunately, lack of enough yearly data impaired our ability to estimate the normal earnings power. It's still an unknown variable to measure against industry firms.
• In the past twelve months, the company hasn't rewarded investors, considering both dividends and share on the pie of earnings. It came up in a weak position compared to peer ventures.
• We are unsure on the relationship between net financial position and market capitalization of the stock. It looks we will not be able to reach a conclusion regarding similar enterprises.
• Considering the past twelve months, traditional Price-to-Earnings relation looks very cheap. Possible reasons are that the market might be betting current earnings will be hard to sustain through time, or that the company has very high fund needs, or a weak financial position, among others. If that isn't the case, the current stock price might be very attractive. It ranks great when measured against peer companies.
• Comparing the current stock price with the past twelve-months revenues gives a roughly two to one relationship. This is an important metric to check its evolution through time, and to compare to industry peers. It looks excellent in relation to rival firms.
• The relation between the stock price and accounting book value might be reasonable. It's important both to check this metric through time and to compare it with rival companies. The company remains mediocre against peer firms.
• We could not gauge an alternative metric of earnings power of the past twelve months. It happens to be an interesting metric to relate to industry peers.
• An alternate metric on the usual genuine-funds generation ability could not be provided. It's still unknown against peer companies.

Total score: 7.1

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Awarener score: 6.4

Conclusion

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