Capital Bancorp

CBNK · NASDAQ

$40.49+$1.10 (+2.79%)TodayMarket closed · Oct 20, 5:29 PM ET

Prev close $39.39

CBNK analyst rating

HoldConsensus of 4 analysts over the last 12 months. 25% rate it a buy.

Strong buy0
Buy1
Hold3
Underperform0
Sell0

12-month price target · 6 analysts

Average $40.99 (+1.2% upside)

Low: $35.35
Now: $40.49
High: $45.94

Upgrades and downgrades

The latest rating actions, newest first

CBNK analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Stephens & Co.	Oct 16, 2026	Downgrade	Overweight → Equal-Weight	—	—
Raymond James	Sep 4, 2026	Initiates	Market Perform	—	89%
Keefe, Bruyette & Woods	Aug 3, 2026	Maintains	Market Perform	$35.00 → $40.00	72%
Keefe, Bruyette & Woods	Apr 29, 2026	Maintains	Market Perform	$32.00 → $34.00	72%
Keefe, Bruyette & Woods	Feb 2, 2026	Maintains	Market Perform	$31.00 → $32.00	72%
Keefe, Bruyette & Woods	Nov 10, 2025	Maintains	Market Perform	$33.00 → $31.00	72%
Stephens & Co.	Oct 30, 2025	Maintains	Overweight	$40.00 → $37.00	67%

The case for and against

Updated Oct 31, 2025

Bull case

Capital Bancorp Inc. demonstrated a positive financial trajectory, highlighted by a notable increase in net interest margin (NIM), which rose by 21 basis points to 7.12%, surpassing estimates primarily due to higher loan yields. Furthermore, the company's end-of-period (EOP) deposits saw a significant 19% increase quarter-over-quarter, despite challenges from brokered pay-downs, indicating robust deposit growth and customer confidence. Additionally, forecasts for moderate growth in card balances, combined with strong expectations of approximately 10% annual growth in Windsor Advantage servicing revenue, contribute to a favorable long-term outlook for the bank's stock performance.

Bear case

Capital Bancorp faces significant regulatory risks associated with its rapidly expanding OpenSky division, which now constitutes 50% of the company's total revenue, potentially jeopardizing revenue stability. Additionally, the company is exposed to interest rate fluctuations and escalating credit costs, which could adversely impact its financial performance. Furthermore, a decrease in the loan-to-deposit ratio, which fell from 100% to 95%, indicates challenges in liquidity management and may reflect underlying issues in attracting deposits to fund loan growth.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.