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Capital Bancorp (CBNK) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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For the quarter ended September 2026, Capital Bancorp (CBNK - Free Report) reported revenue of $68.12 million, up 8% over the same period last year. EPS came in at $0.89, compared to $0.72 in the year-ago quarter.
The reported revenue represents a surprise of -1.25% over the Zacks Consensus Estimate of $68.98 million. With the consensus EPS estimate being $0.91, the EPS surprise was -2.2%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Capital Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency ratio: 67.1% versus 64.5% estimated by three analysts on average.
Net Interest Margin: 5.8% versus 5.7% estimated by three analysts on average.
Net charge-offs to average portfolio loans: 0.5% versus 0.5% estimated by three analysts on average.
Average Balance - Total interest earning assets: $3.63 billion compared to the $3.72 billion average estimate based on two analysts.
Net Interest Income: $53.08 million compared to the $53.45 million average estimate based on three analysts.
Total noninterest income: $15.04 million versus the three-analyst average estimate of $15.53 million.
Mortgage banking revenue: $1.85 million compared to the $2.4 million average estimate based on two analysts.
Shares of Capital Bancorp have returned +14.5% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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Capital Bancorp (CBNK) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
For the quarter ended September 2026, Capital Bancorp (CBNK - Free Report) reported revenue of $68.12 million, up 8% over the same period last year. EPS came in at $0.89, compared to $0.72 in the year-ago quarter.
The reported revenue represents a surprise of -1.25% over the Zacks Consensus Estimate of $68.98 million. With the consensus EPS estimate being $0.91, the EPS surprise was -2.2%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Capital Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Capital Bancorp here>>>
Shares of Capital Bancorp have returned +14.5% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.