Capital Bancorp Q4 EPS beats estimates

Overview

• Banking firm's Q4 EPS and net income beat analyst expectations

• Company repurchased 304,288 shares for $8.6 mln under stock buyback program

• Net interest income decreased 3.3% from Q3 2025

Outlook

• Capital Bancorp did not provide specific guidance for future quarters or fiscal year

Result Drivers

• LOAN GROWTH - Gross loans grew $137.5 mln, or 19.3% annualized, during 4Q 2025

• DEPOSIT GROWTH - Total deposits increased $180.9 mln, or 24.6% annualized, from 3Q 2025

• NET INTEREST INCOME DECLINE - Decreased $1.7 mln, or 3.3%, from 3Q 2025 due to non-recurring events in previous quarter

• FEE REVENUE INCREASE - Fee revenue rose $1.4 mln from 3Q 2025, driven by SBIC income and credit card fees

Key Details

Analyst Coverage

• The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

• The average consensus recommendation for the banks peer group is "buy"

• Wall Street's median 12-month price target for Capital Bancorp Inc is $35.00, about 19.2% above its January 23 closing price of $29.36

• The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release: ID:nGNX7Mwvl9

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