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Capital Bancorp (CBNK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Capital Bancorp (CBNK) Q3 2026 earnings results →
Q3 2026 Revenue up 8% year over year to $68.1M · 19¢ of every $1 of revenue kept as net profit · operating margin 25.8%
Capital Bancorp made $68.1M in Q3 2026 (+8% Y/Y): Net interest income $53.1M, Noninterest income $15.0M. Operating margin 25.8%, net earnings $13.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $68.1M in Q3 2026, up 8% year over year and up 4% from the previous quarter. Net interest income was the largest line at 78% of revenue. Noninterest income added $4.0M year over year (up 36%), 79% of the total change.
Operating profit was $17.5M, a 25.8% margin (up 27.2 points year over year). Total costs fell 21% while revenue rose 8%. The fastest-growing cost line was Noninterest expense (+19%). Net earnings were $13.1M, down 13% year over year. The effective tax rate was 25.2%.
Operating cash flow was $35.4M (up 43% year over year), 270% of net earnings. Non-cash charges added back $611K of share-based compensation. Working capital and other items added $21.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $68.1M | +8% | 25.8% | $13.1M | $35.4M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Capital Bancorp
We are Capital Bancorp, Inc., a bank holding company and a Maryland corporation incorporated in 1998, operating primarily through our wholly-owned subsidiary, Capital Bank, N.A., a commercial-focused community bank based in the Washington, D.C. and Baltimore metropolitan areas. The Bank is headquartered in Rockville, Maryland, received its charter in 1999 and began operations the same year. We serve businesses, not-for-profit associations, entrepreneurs and others throughout the Washington, D.C., Baltimore, other Maryland markets, Delaware, Florida, Illinois, and North Carolina through seven commercial bank branches, one mortgage banking office, three loan production offices, three government loan servicing offices, and one credit card operations office.
In its own words, from its 10-K, filed Mar 16, 2026.
Capital Bancorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +8%. Operating margin: 25.8% against the peers' median 30.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CBNK Capital Bancorp | Q3 2026 | $68.1M | +8% | 25.8% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Capital Bancorp 10-Q on SEC EDGAR · CIK 1419536 · National Commercial Banks
Guidance and outlook
13F: who owns CBNK and who is buying
More on CBNK
History
Every quarter: Q3 2026 results