Capital Bancorp, Inc. Financial Ratios — 316 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 (%)	- -	14.48	9.42	13.12	13.63	17.65	22.38	19.82	14.98	10.15	15.11
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 (%)	- -	10.02	7.35	11.04	10.8	13.72	18.71	14.29	10.92	8.94	13.56
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 (%)	- -	14.48	9.42	13.12	13.63	17.65	21.61	18.35	13.34	8.43	13.18

Credit (USD)

Credit Ratios 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

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.02	7.81	7.81	10.37	9.34	8.49	9.63	10.55	11.45	11.07	11.14
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 (%)	28.17	22.92	17.65	13.2	26.33	13.32	10.37	33.72	16.14	8.75	11.47
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 (%)	36.73	24.8	19.46	13.07	26.33	18.44	14.68	36.55	16.14	8.75	11.47
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 (%)	19.79	-17.71	-57.3	-15.31	-96.08	-213.67	-278.93	23.64	-1.8	-93.09	-102.59
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.02	7.81	7.81	10.37	9.34	8.49	9.63	10.55	11.45	11.07	11.14
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 (%)	28.17	22.92	17.65	13.2	26.33	13.32	10.37	33.72	16.14	8.75	11.47
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 (%)	36.73	24.8	19.46	13.07	26.33	18.44	14.68	36.55	16.14	8.75	11.47
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios 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

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)

Enterprise Value 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

Market Capitalization	- -	- -	- -	- -	- -	182	357	330	335	423	439
- 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	- -	- -	- -	- -	- -	-26	27	147	246	29	130
Total Capital	94	94	99	132	181	195	232	353	304	389	454
Total Debt/Capital (%)	36.73	24.8	19.46	13.07	26.33	18.44	14.68	36.55	16.14	8.75	11.47
Total Debt / EV	- -	- -	- -	- -	- -	-1.37	1.25	0.88	0.2	1.16	0.4
EV/Sales	- -	- -	- -	- -	- -	- -	0.17	0.87	1.49	0.16	0.54
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.21	2.86	5.19	0.84	1.87
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.21	2.95	5.43	0.89	1.94
Diluted Market Cap	- -	- -	- -	- -	- -	183	360	335	339	372	449
Diluted Enterprise Value	- -	- -	- -	- -	- -	-26	30	152	250	-22	141
EV per Share	- -	- -	- -	- -	- -	- -	1.96	10.39	17.66	1.76	7.96
TTM Sales	47	61	63	73	90	130	164	168	165	184	241
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	15	7	33	27	-28	5	132	50	45	33	67

Multiples (USD)

Valuation Multiples 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	- -	- -	- -	- -	- -	35.21	2.73	6.73	7.49	11.36	6.67
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	-26	27	147	246	29	130
Low Price	- -	- -	- -	- -	- -	0.01	13.38	20.77	15.21	18.87	24.01
EV/Sales	- -	- -	- -	- -	- -	- -	0.17	0.87	1.49	0.16	0.54
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	7.07	8.84	7.83	9.39	11.96	7.77
Price/Earnings Average	- -	- -	- -	- -	- -	3.54	7.31	7.87	7.5	10.68	8.44
Price/Earnings High	- -	- -	- -	- -	- -	7.07	9.76	9.06	9.54	13.94	9.98
Price/Earnings Low	- -	- -	- -	- -	- -	0.01	4.62	6.97	5.94	8.88	6.96
Price/Book Value	- -	- -	- -	- -	- -	1.14	1.81	1.47	1.31	1.19	1.09
Price/Book Value Average	- -	- -	- -	- -	- -	0.57	1.49	1.48	1.05	1.06	1.19
Price/Book Value High	- -	- -	- -	- -	- -	1.14	1.99	1.7	1.33	1.39	1.4
Price/Book Value Low	- -	- -	- -	- -	- -	- -	0.94	1.31	0.83	0.89	0.98
Price/Tangible Book Value	- -	- -	- -	- -	- -	1.14	1.81	1.47	1.31	1.33	1.21
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	0.57	1.49	1.48	1.05	1.19	1.32
Price/Tangible Book Value High	- -	- -	- -	- -	- -	1.14	1.99	1.7	1.33	1.55	1.56
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	0.94	1.31	0.83	0.99	1.09
Price/Sales	- -	- -	- -	- -	- -	1.4	2.16	1.95	2.04	2.02	1.84
Price/Sales Average	- -	- -	- -	- -	- -	0.7	1.78	1.95	1.63	1.8	2
Price/Sales High	- -	- -	- -	- -	- -	1.4	2.38	2.25	2.08	2.35	2.37
Price/Sales Low	- -	- -	- -	- -	- -	- -	1.13	1.73	1.29	1.5	1.65
Price/Cash Flow	- -	- -	- -	- -	- -	33.47	2.67	6.37	7.11	10.61	6.37
Price/Cash Flow Average	- -	- -	- -	- -	- -	16.75	2.21	6.4	5.67	9.47	6.92
Price/Cash Flow High	- -	- -	- -	- -	- -	33.47	2.95	7.37	7.22	12.36	8.18
Price/Cash Flow Low	- -	- -	- -	- -	- -	0.03	1.4	5.67	4.49	7.88	5.71
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	17.62	2.26	6.76	5.98	10.15	7.24
Price/Free Cash Flow High	- -	- -	- -	- -	- -	35.21	3.01	7.78	7.6	13.25	8.57
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	0.03	1.43	5.99	4.73	8.44	5.98
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	0.88	1.08	- -	0.7
EV/Sales High	- -	- -	- -	- -	- -	- -	0.39	1.18	1.52	0.54	1.06
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	0.66	0.74	- -	0.35
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	13.24	25.6	23.34	24.06	25.4	26.79
High Price	- -	- -	- -	- -	- -	13.24	28.28	27	24.44	29.61	34.41
Enterprise Value Average	- -	- -	- -	- -	- -	-117	-34	148	178	-16	168
Enterprise Value High	- -	- -	- -	- -	- -	-26	65	199	251	99	255
Enterprise Value Low	- -	- -	- -	- -	- -	-208	-143	111	123	-80	85

Per Share Data Items (USD)

Per-Share Data 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

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	9.46	11.87	12	11.78	12.6	14.55
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	2.4	4.21
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	5.81	12.51	17.77	26.09	22.08	9.93	25.69	22.01
Book Value per Share	4.53	5.38	6.09	8.38	9.6	11.58	14.18	15.85	18.31	21.32	24.54
Tangible Book Value per Share	4.53	5.38	6.09	8.38	9.6	11.58	14.18	15.85	18.31	19.1	22.05