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Capital Bancorp vs Financial Institutions: CBNK and FISI compared
Capital Bancorp is the larger company: $68.1M of revenue in its latest quarter (Q3 2026) against $64.7M for Financial Institutions (Q3 2026). Capital Bancorp is growing faster (+8% against +1% a year earlier). Financial Institutions is more profitable, with an operating margin of 37.1% against 25.8%.
Where the money goes: CBNK and FISI
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.
Financial Institutions (FISI) · Q3 2026
Financial Institutions, Q3 2026: revenue $64.7M (+1% year over year), operating margin 37.1%, net earnings $20.0M, operating cash flow $33.6M. The chart follows the revenue to costs, profit and cash.
| Capital Bancorp (CBNK) | Financial Institutions (FISI) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $68.1M | $64.7M |
| Revenue growth, Y/Y | +8% | +1% |
| Operating margin | 25.8% | 37.1% |
| Net earnings | $13.1M | $20.0M |
| Net margin | 19.3% | 30.9% |
| Operating cash flow | $35.4M | $33.6M |
| Free cash flow | — | $31.8M |
Where the revenue comes from
Capital Bancorp
- Net interest income: $53.1M (78%)
- Noninterest income: $15.0M (22%)
Financial Institutions
- Net interest income: $54.3M (84%)
- Noninterest income: $10.5M (16%)
Questions
Which is bigger, Capital Bancorp or Financial Institutions?
Capital Bancorp is the larger company: $68.1M of revenue in its latest quarter (Q3 2026) against $64.7M for Financial Institutions (Q3 2026).
Is Capital Bancorp or Financial Institutions growing faster?
Capital Bancorp is growing faster (+8% against +1% a year earlier).
Which is more profitable, Capital Bancorp or Financial Institutions?
Financial Institutions is more profitable, with an operating margin of 37.1% against 25.8%.
More: Capital Bancorp earnings · how Capital Bancorp makes money · Financial Institutions earnings · how Financial Institutions makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 9, 2026). Fiscal quarters can end on different dates. Not investment advice.