Capital Bancorp, Inc. Financial Ratios — CBNK Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	22.78	14.29	21.43	22.89	27.36	31.77	25.55	18.11	13.57	21.33
Return on Assets (%)	- -	1.15	0.74	1.2	1.33	1.56	2.03	2	1.65	1.14	1.68
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.98	1.59	1.57	1.48	2.61	1.45	0.74	0.85	0.29	1.21	1.61
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	25.94	25.6	22.48	24.24	25.2	26.95	32.89	32.23	28.04	22.77	31.07
Profit Margin (%)	15.96	15.53	11.33	17.44	18.74	19.8	24.41	24.84	21.76	16.86	23.7
Net Income to Common Margin (%)	15.96	15.53	11.33	17.44	18.74	19.8	24.41	24.84	21.76	16.86	23.7
Effective Tax Rate (%)	38.49	39.33	49.58	28.07	25.62	26.51	25.8	22.92	22.4	25.96	23.72
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	3.46	7.38	10.93	17.03	12.76
Sustainable Growth Rate (%)	- -	22.78	14.29	21.43	22.89	27.36	30.67	23.66	16.13	11.26	18.61

Credit (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	35	23	19	17	48	36	34	129	49	34	52
ST Debt	8	2	2	- -	- -	10	10	10	- -	- -	- -
LT Debt	27	22	18	17	48	26	24	119	49	34	52
Total Debt/EBITDA	37.26	24.15	19.7	15.87	20.27	19.02	28.24	90.13	103.73	15.38	13.45
Net Debt/EBITDA	15.84	-11.02	-29.69	-14.02	-27.79	-57.3	-120.79	48.42	-9.5	-77.33	-52.54
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.94	5.1	5.2	5.96	5.73	5.7	7.04	8.6	9.59	7.58	8.12
Long-Term Debt/Equity (%)	44.52	30.48	21.92	15.18	35.73	16.33	12.16	53.15	19.25	9.59	12.96
Long-Term Debt/Capital (%)	37.23	31.03	24.16	20.94	36.82	18.19	13.46	38.21	18.69	12.29	15.09
Long-Term Debt/Total Assets (%)	3.57	2.38	1.71	1.57	3.34	1.39	1.17	5.61	2.2	1.06	1.44
Total Debt/Equity (%)	58.05	32.97	24.17	15.03	35.73	22.61	17.21	57.61	19.25	9.59	12.96
Total Debt/Capital (%)	48.54	33.57	26.64	20.74	36.82	25.18	19.06	41.41	18.69	12.29	15.09
Total Debt/Total Assets (%)	4.66	2.58	1.89	1.56	3.34	1.92	1.66	6.08	2.2	1.06	1.44
Net Debt to Equity	24.67	-15.05	-36.43	-13.28	-49	-68.12	-73.61	30.95	-1.76	-48.21	-50.64
Net Debt/Capital (%)	28.62	-29.97	-120.94	-30.05	-397.76	7,097.51	14,524.03	27.52	-2.15	-238.36	-227.39
EBITDA	1	1	1	1	2	2	1	1	- -	2	4
EBITDA-CapEx	-1	- -	- -	-1	2	2	1	- -	-2	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.94	5.1	5.2	5.96	5.73	5.7	7.04	8.6	9.59	7.58	8.12
Long-Term Debt/Equity (%)	44.52	30.48	21.92	15.18	35.73	16.33	12.16	53.15	19.25	9.59	12.96
Long-Term Debt/Capital (%)	37.23	31.03	24.16	20.94	36.82	18.19	13.46	38.21	18.69	12.29	15.09
Long-Term Debt/Total Assets (%)	3.57	2.38	1.71	1.57	3.34	1.39	1.17	5.61	2.2	1.06	1.44
Total Debt/Equity (%)	58.05	32.97	24.17	15.03	35.73	22.61	17.21	57.61	19.25	9.59	12.96
Total Debt/Capital (%)	48.54	33.57	26.64	20.74	36.82	25.18	19.06	41.41	18.69	12.29	15.09
Total Debt/Total Assets (%)	4.66	2.58	1.89	1.56	3.34	1.92	1.66	6.08	2.2	1.06	1.44
CFO/Total Liabilities	2.44	0.9	3.68	2.86	-2.1	0.32	7.11	2.71	2.41	1.22	2.18
CFO/CapEx	8.53	11.24	24.48	16.31	-89.81	20.44	5,503.17	33.15	21.99	16.19	29.37
Altman's Z-Score	0.13	0.14	0.13	0.23	0.24	0.22	0.29	0.3	0.31	0.25	0.27

Working Capital (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	20.21	17.72	17.58	19.53	20.21	20.43	19.35	15.71	13.05	14.46
Days Sales Outstanding	- -	18.06	20.6	20.76	18.69	18.06	17.87	18.86	23.23	27.97	25.24
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	138	204	192	362	330	339	416	467
- Cash & Cash Equivalents	20	34	49	32	113	145	180	60	54	205	256
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	35	23	19	17	48	36	34	129	49	34	52
Enterprise Value	-24	-59	-83	76	78	-16	31	147	250	22	159
Total Capital	71	69	73	83	129	143	179	312	263	277	345
Total Debt/Capital (%)	48.54	33.57	26.64	20.74	36.82	25.18	19.06	41.41	18.69	12.29	15.09
Total Debt / EV	-1.42	-0.4	-0.23	0.23	0.61	-2.23	1.08	0.88	0.2	1.57	0.33
EV/Sales	- -	- -	- -	1.04	0.87	- -	0.19	0.87	1.51	0.12	0.66
EV/EBITDA	- -	- -	- -	70.14	33.32	- -	26.04	102.66	528.05	9.8	41.04
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.69	- -	- -	0.24	2.86	5.27	0.62	2.28
EV/Free Cash Flow to Firm	- -	- -	- -	2.53	- -	- -	0.24	2.78	5.04	0.59	2.2
Diluted Market Cap	- -	- -	- -	142	208	192	369	338	341	418	472
Diluted Enterprise Value	15	-11	-29	127	143	84	223	407	336	247	269
EV per Share	- -	- -	- -	6.28	5.7	- -	2.28	10.48	17.84	1.49	9.58
TTM Sales	47	61	63	73	90	130	164	168	165	184	241
TTM EBITDA	1	1	1	1	2	2	1	1	- -	2	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	17	8	35	28	-27	5	132	51	47	35	70
TTM Free Cash Flow to Firm	19	8	36	30	-27	6	132	53	50	37	72

Multiples (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	4.73	-7.73	33.58	2.79	6.39	6.87	11.27	6.55
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-24	-59	-83	76	78	-16	31	147	250	22	159
Low Price	- -	- -	- -	10.33	10.21	6.98	13.53	20.94	15.32	15	24.69
EV/Sales	- -	- -	- -	1.04	0.87	- -	0.19	0.87	1.51	0.12	0.66
EV/EBITDA	- -	- -	- -	70.14	33.32	- -	26.04	102.66	528.05	9.8	41.04
Price/Earnings	- -	- -	- -	10.83	12.1	7.44	9.04	7.9	9.45	13.42	8.17
Price/Earnings Average	- -	- -	- -	11.82	10.19	6.18	7.45	7.96	7.62	10.96	8.88
Price/Earnings High	- -	- -	- -	13.55	12.25	8	9.72	9.25	9.66	14.7	10.56
Price/Earnings Low	- -	- -	- -	9.8	8.3	3.73	4.67	7.03	5.98	7.06	7.16
Price/Book Value	- -	- -	- -	2.1	2.5	1.8	2.5	1.81	1.59	1.71	1.59
Price/Book Value Average	- -	- -	- -	2.29	2.11	1.49	2.06	1.82	1.28	1.4	1.73
Price/Book Value High	- -	- -	- -	2.63	2.53	1.93	2.69	2.12	1.62	1.87	2.06
Price/Book Value Low	- -	- -	- -	1.9	1.72	0.9	1.29	1.61	1	0.9	1.4
Price/Tangible Book Value	- -	- -	- -	1.21	1.53	1.21	1.83	1.47	1.33	1.31	1.29
Price/Tangible Book Value Average	- -	- -	- -	1.32	1.29	1	1.5	1.48	1.07	1.07	1.41
Price/Tangible Book Value High	- -	- -	- -	1.51	1.55	1.3	1.96	1.73	1.36	1.43	1.67
Price/Tangible Book Value Low	- -	- -	- -	1.09	1.05	0.6	0.94	1.31	0.84	0.69	1.13
Price/Sales	- -	- -	- -	1.89	2.27	1.47	2.21	1.96	2.06	2.26	1.94
Price/Sales Average	- -	- -	- -	2.06	1.91	1.22	1.82	1.98	1.66	1.85	2.11
Price/Sales High	- -	- -	- -	2.36	2.3	1.58	2.37	2.3	2.1	2.48	2.5
Price/Sales Low	- -	- -	- -	1.71	1.56	0.74	1.14	1.75	1.3	1.19	1.7
Price/Cash Flow	- -	- -	- -	4.88	-7.51	35.21	2.74	6.42	7.15	11.9	6.7
Price/Cash Flow Average	- -	- -	- -	5.33	-6.33	29.24	2.25	6.47	5.76	9.72	7.28
Price/Cash Flow High	- -	- -	- -	6.11	-7.61	37.84	2.94	7.52	7.31	13.04	8.66
Price/Cash Flow Low	- -	- -	- -	4.42	-5.15	17.64	1.41	5.71	4.52	6.26	5.87
Price/Free Cash Flow Average	- -	- -	- -	5.17	-6.51	27.89	2.3	6.43	5.54	9.2	7.12
Price/Free Cash Flow High	- -	- -	- -	5.92	-7.82	36.09	3	7.48	7.03	12.34	8.47
Price/Free Cash Flow Low	- -	- -	- -	4.29	-5.3	16.83	1.44	5.68	4.35	5.93	5.74
EV/Sales Average	0.31	- -	- -	1.85	1.19	0.39	0.93	2.39	1.63	0.92	1.26
EV/Sales High	0.31	- -	- -	2.16	1.57	0.75	1.48	2.71	2.07	1.55	1.66
EV/Sales Low	0.31	- -	- -	1.5	0.83	- -	0.25	2.16	1.27	0.26	0.85
EV/EBITDA Average	15.84	-11.02	-29.69	125.11	45.47	26.94	126.15	280.71	568.41	75.98	78.61
EV/EBITDA High	15.84	-11.02	-29.69	145.44	60.24	51.72	201.41	318.34	723.21	128.32	103.34
EV/EBITDA Low	15.84	-11.02	-29.69	101.33	31.85	-6.47	34.02	253.5	444.04	21.48	53.19
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	11.41	14.89	13.93	26.2	23.54	24.2	28.5	28.17
High Price	- -	- -	- -	14.28	15.07	14.97	28.16	27.56	24.75	31.22	36.4
Enterprise Value Average	15	-11	-29	136	107	51	152	402	269	168	304
Enterprise Value High	15	-11	-29	158	142	98	243	456	342	284	400
Enterprise Value Low	15	-11	-29	110	75	-12	41	363	210	48	206

Shares Outstanding	13	13	13	14	14	14	14	14	14	17	16
Diluted Weighted Avg Shares	13	13	13	12	14	14	14	14	14	15	17
Basic Weighted Avg Shares	13	13	13	12	14	14	14	14	14	15	17
Revenue per Share	3.57	4.62	4.77	6.04	6.56	9.45	11.87	12	11.77	12.6	14.55
EBITDA per Share	0.07	0.07	0.07	0.09	0.17	0.14	0.09	0.1	0.03	0.15	0.23
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.57	0.72	0.54	1.05	1.23	1.87	2.9	2.98	2.56	2.12	3.45
Basic EPS from Cont Ops	0.57	0.72	0.54	1.05	1.23	1.87	2.9	2.98	2.56	2.12	3.45
Diluted EPS, GAAP	0.57	0.72	0.54	1.02	1.21	1.87	2.84	2.91	2.55	2.11	3.41
Diluted EPS from Cont Ops	0.57	0.72	0.54	1.02	1.21	1.87	2.84	2.91	2.55	2.11	3.41
Dividend per Share	- -	- -	- -	- -	- -	- -	0.1	0.22	0.28	0.36	0.44
Cash Flow per Share	1.27	0.57	2.65	2.34	-1.98	0.4	9.57	3.66	3.39	2.39	4.2
Free Cash Flow per Basic Share	1.12	0.52	2.54	2.19	-2	0.38	9.57	3.55	3.23	2.25	4.06
Cash & Equivalents per Share	4.49	6.23	7.79	6.55	12.66	17.71	26.39	22.26	9.87	29.35	21.73
Book Value per Share	2.79	3.51	4.05	5.43	5.95	7.76	10.48	13.02	15.25	16.66	17.66
Tangible Book Value per Share	4.53	5.38	6.09	9.46	9.71	11.55	14.34	15.97	18.2	21.82	21.77

Capital Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)