Filing Flows › Capital Bancorp (CBNK) › Q3 2026
Capital Bancorp (CBNK) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Capital Bancorp (CBNK) reported revenue of $68.1M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +4% from the quarter before. Operating margin was 25.8%, net earnings $13.1M (19.3% of revenue).
Capital Bancorp, Q3 2026: revenue $68.1M (+8% year over year), operating margin 25.8%, net earnings $13.1M, operating cash flow $35.4M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $68.1M | +4% | +8% |
| Operating profit | $17.5M | -5% | — |
| Net earnings | $13.1M | -8% | -13% |
| Operating cash flow | $35.4M | — | +43% |
What changed
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.
Questions
What was Capital Bancorp's revenue in the third quarter 2026?
Capital Bancorp (CBNK) reported revenue of $68.1M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +4% from the quarter before.
Was Capital Bancorp profitable in the third quarter 2026?
Operating profit was $17.5M (25.8% of revenue) and net earnings $13.1M.
Source: Capital Bancorp 10-Q on SEC EDGAR.