ROARABLE
FREE $100K
Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / CBNK / insiders
RRBI (70) BHB (65) MSBI (54) BCAL (62) ⌘ Pro Terminal →

Capital Bancorp Inc. (CBNK) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$43.11 +3.33% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $43.47

Capital Bancorp Inc. (CBNK) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 14% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $679.6M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CBNK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CBNK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Capital Bancorp Inc. (NASDAQ: CBNK) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $43.11 (+3.33% 1D, market cap $679.6M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CBNK ranks #53 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CBNK compare to RRBI and BHB in the Financials sector?
▼

Within the Financials sector (Major Banks), CBNK carries a Roarable B (74/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 14.2%. By comparison, RRBI (Red River Bancshares Inc.) holds a B- grade (70/100 RQD, P/E 15.7x, ROIC 11.7%, cap $680.2M) and BHB (Bar Harbor Bankshares Inc.) posts a C grade (65/100 RQD, P/E 18.6x, ROIC 6.9%, cap $678.0M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while CBNK leads on capital efficiency (14.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CBNK?
▼

Per CBNK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001419536), Capital Bancorp Inc. generated $1.51B in revenue (+14464.6% YoY), $57.2M in net income, and $69.7M in free cash flow against $3.61B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $43.47 (+0.84%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 4.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510074
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk C
Cash (16)Whales (15)SEC (13)Macro (13)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+7.2% Base Target
$55 Bull$46 Base$35 Bear
📬 FREE CBNK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CBNK)Realized 20D OHLCV Swing Band: ±4.4%
Deterministic 5-Pillar Attribution (74/100 Composite)
🔍 WHY CBNK SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+16/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 4.6% FCF Margin ($69.7M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit13/20 pts (-7 pt drag)

Macro rate sensitivity & RSI-14 (67.3) create a -7 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
66
Grade B-$38.72+4.6% Next Q
Q2 (-2Q)
69
Grade B-$40.49+2.6% Next Q
Q3 (-1Q)
71
Grade B$41.56+3.7% Next Q
Current
74
Grade B$43.11+7.3% Hist 90D α
Trajectory: B- (66) → B (74)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CBNK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, CBNK faces multiple-compression risk if 12.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.22) or 200D SMA ($33.97) invalidates the momentum regime and cuts Target Base ($46.21) toward Bear Floor ($35.35).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CBNK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CBNK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 74%NO 26%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

CBNK Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CBNK)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CBNK. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CBNK Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
CBNK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +39.97%▲ ASCENDING CHANNEL
2026-11-03O $41.97H $43.11L $41.72C $43.11VOL 112.9K
RES: $47.23SUP: $37.57SMA50: $38.22SMA200: $33.97
$44.03$40.21$36.39$32.57$28.74RES $47.23SUP $37.57$43.112026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CBNK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CBNK Butterfly Map → + Track CBNK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
2.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CBNK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CBNK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CBNK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CBNK)

Financials Rank #53 of 1096 ⚔️ RRBI vs CBNK Full Matrix →

1. Head-to-Head Financials Peer Comparison (CBNK vs. RRBI, BHB, MSBI, BCAL)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Capital Bancorp Inc. (CBNK) ranks #53 by composite RQD confidence (74/100, grade B) and #630 by equity capitalization ($679.6M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while CBNK leads on capital efficiency and profitability with 14.2% ROIC and — gross margin. CBNK currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CBNK ACTIVE
Capital Bancorp Inc.
B 74/100 12.0x — 14.2% +3.33% $679.6M Benchmark Subject
RRBI
Red River Bancshares Inc.
B- 70/100 15.7x — 11.7% +4.32% $680.2M /rrbi-vs-cbnk →
BHB
Bar Harbor Bankshares Inc.
C 65/100 18.6x — 6.9% +2.45% $678.0M /bhb-vs-cbnk →
MSBI
Midland States Bancorp Inc.
D+ 54/100 — — -22.0% +1.62% $682.5M /msbi-vs-cbnk →
BCAL
California BanCorp
C 62/100 10.9x — 10.9% +1.86% $690.6M /bcal-vs-cbnk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001419536

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Capital Bancorp Inc. (CBNK) reported GAAP revenue of $1.51B (+14464.6% vs. FY2024 revenue of $10.4M , and +11626.2% cumulative change since FY2023) , GAAP net income of $57.2M, operating cash flow of $69.7M, and free cash flow of $69.7M (+99.6% YoY). On the balance sheet, CBNK closed FY2025 with $3.61B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.51B $57.2M $69.7M $69.7M $3.61B —
FY2024 (FY) 2024-12-31 $10.4M $31.0M $34.9M $34.9M $3.21B —
FY2023 (FY) 2023-12-31 $12.9M $35.9M $47.4M $47.4M — —

3. CBNK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CBNK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Capital Bancorp Inc. (NASDAQ: CBNK) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $43.11 (+3.33% 1D, market cap $679.6M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CBNK ranks #53 in composite RQD confidence.

How does CBNK compare to RRBI and BHB in the Financials sector?

Within the Financials sector (Major Banks), CBNK carries a Roarable B (74/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 14.2%. By comparison, RRBI (Red River Bancshares Inc.) holds a B- grade (70/100 RQD, P/E 15.7x, ROIC 11.7%, cap $680.2M) and BHB (Bar Harbor Bankshares Inc.) posts a C grade (65/100 RQD, P/E 18.6x, ROIC 6.9%, cap $678.0M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while CBNK leads on capital efficiency (14.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CBNK?

Per CBNK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001419536), Capital Bancorp Inc. generated $1.51B in revenue (+14464.6% YoY), $57.2M in net income, and $69.7M in free cash flow against $3.61B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CBNK trading relative to its 50-day, 200-day, and 52-week technical levels?

CBNK last traded at $43.11 (+3.33% on volume of 186,901 shares), positioning the stock +12.79% above its 50-day simple moving average ($38.22) and +26.91% above its 200-day simple moving average ($33.97). Across its 52-week range of $26.40 to $42.37, CBNK sits at the 100.0% percentile with a 14-day RSI of 67.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($41.21 to $45.01).

Direct Sub-Reports: CBNK RQD Cockpit CBNK 12M Forecast CBNK Earnings & Move CBNK Dividends & DRIP CBNK Insiders & 13F CBNK Whale Options CBNK Profit Sankey CBNK News & Why
ROARABLE RATING BRIEF • RQD 74/100 (B) ✓ SEC XBRL & RQD VERIFIED

CBNK — Capital Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Capital Bancorp Inc. (CBNK) earns a live Roarable RQD composite score of 74/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $43.11 (+3.33% 1D, market capitalization $679.6M).

  • Fundamental Cash Engine (16/20): Anchored by return on invested capital (ROIC) of 14.2%, gross margin of —, operating margin of —, and free cash flow yield of 10.20%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (17/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Capital Bancorp Inc. Is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry. The profile identifies the company as operating in Major Banks with a market capitalization of $0.7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Capital Bancorp Inc. (CBNK) reported $1.51B in annual revenue (up from $10.4M in FY2024, +14464.6% YoY) and $57.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($12.9M revenue, $35.9M net income) through FY2025, CBNK scaled operating cash flow to $69.7M and free cash flow to $69.7M, backed by $3.61B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B • RQD 74/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Big institutional funds and options desks are actively positioning on the bullish side. With Fundamental Cash Engine at 16/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $26.40 – $42.37 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The sector is Financials and the industry is Major Banks, but no upstream or downstream dependencies, sector correlations, or second-order bottlenecks are recorded in the source data. — for upstream or downstream dependencies. — for sector correlations. Investors should note that the absence of mapped links means the source data cannot identify ripple effects from this graph.

  • Key Question #1: Can CBNK sustain or expand its — operating margin and 14.2% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.51B and free cash flow of $69.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CBNK's 11.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CBNK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Capital Bancorp Inc. (CBNK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CBNK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CBNK Bull vs. Bear Conversation Board — What's Your Call at $43.11?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CBNK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CBNK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $48.40 (+16.0%)
📌 Pinned Debate

Net income rose from $31.0M in FY 2024 to $57.2M in FY 2025 while the RQD rating's Insider Conviction pillar scored 17 of 20.

Picked up a starter position in CBNK in my $100K Virtual Cash book at $41.72. Net income rose from $31.0M in FY 2024 to $57.2M in FY 2025 while the RQD rating's Insider Conviction pillar scored 17 of 20.. Trading inside a $26.40–$42.37 52-week range with 10.2% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

RetailWhale_TX 🐂 BULL

@ShortSeller_Dan Shorting a 15/20 institutional whale-flow stock at $41.72 is dangerous when funds are rotating into Financials.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $34.63 (-17.0%)
Spot @ $41.72

Q3 earnings and revenues lagged estimates and Stephens downgraded CBNK to a Hold, both tagged as risk-watch items in the news feed.

Fading this rally in CBNK at $41.72. Q3 earnings and revenues lagged estimates and Stephens downgraded CBNK to a Hold, both tagged as risk-watch items in the news feed.. With a beta of 1.0 and the stock sitting at $41.72 (52-wk range $26.40–$42.37), the easy multiple expansion is already priced in.

LIVE TAPE SPY $752.10 -1.80% QQQ $681.09 -3.60% DIA $519.34 -1.08% IWM $279.14 -1.68% NVDA $202.06 -1.26% AAPL $338.32 -1.83% MSFT $507.12 -2.83% TSLA $403.82 +1.00% PLTR $178.34 -3.13% SOFI $16.60 -0.95% IBIT $43.35 -5.42% GLD $361.65 -3.59%