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Capital Bancorp vs Bank First: CBNK and BFC compared
Capital Bancorp is the larger company: $68.1M of revenue in its latest quarter (Q3 2026) against $65.3M for Bank First (Q3 2026). Bank First is growing faster (+48% against +8% a year earlier). Bank First is more profitable, with an operating margin of 45.8% against 25.8%.
Where the money goes: CBNK and BFC
Capital Bancorp (CBNK) · Q3 2026
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.
Bank First (BFC) · Q3 2026
Bank First, Q3 2026: revenue $65.3M (+48% year over year), operating margin 45.8%, net earnings $23.8M, operating cash flow $28.6M. The chart follows the revenue to costs, profit and cash.
| Capital Bancorp (CBNK) | Bank First (BFC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $68.1M | $65.3M |
| Revenue growth, Y/Y | +8% | +48% |
| Operating margin | 25.8% | 45.8% |
| Net earnings | $13.1M | $23.8M |
| Net margin | 19.3% | 36.4% |
| Operating cash flow | $35.4M | $28.6M |
| Free cash flow | — | $26.0M |
Where the revenue comes from
Capital Bancorp
- Net interest income: $53.1M (78%)
- Noninterest income: $15.0M (22%)
Bank First
- Net interest income: $55.2M (85%)
- Noninterest income: $10.1M (15%)
Questions
Which is bigger, Capital Bancorp or Bank First?
Capital Bancorp is the larger company: $68.1M of revenue in its latest quarter (Q3 2026) against $65.3M for Bank First (Q3 2026).
Is Capital Bancorp or Bank First growing faster?
Bank First is growing faster (+48% against +8% a year earlier).
Which is more profitable, Capital Bancorp or Bank First?
Bank First is more profitable, with an operating margin of 45.8% against 25.8%.
More: Capital Bancorp earnings · how Capital Bancorp makes money · Bank First earnings · how Bank First makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.