
CBNK Stock Forecast & Price Target
CBNK Analyst Ratings
Bulls say
Capital Bancorp Inc. demonstrated a positive financial trajectory, highlighted by a notable increase in net interest margin (NIM), which rose by 21 basis points to 7.12%, surpassing estimates primarily due to higher loan yields. Furthermore, the company's end-of-period (EOP) deposits saw a significant 19% increase quarter-over-quarter, despite challenges from brokered pay-downs, indicating robust deposit growth and customer confidence. Additionally, forecasts for moderate growth in card balances, combined with strong expectations of approximately 10% annual growth in Windsor Advantage servicing revenue, contribute to a favorable long-term outlook for the bank's stock performance.
Bears say
Capital Bancorp faces significant regulatory risks associated with its rapidly expanding OpenSky division, which now constitutes 50% of the company's total revenue, potentially jeopardizing revenue stability. Additionally, the company is exposed to interest rate fluctuations and escalating credit costs, which could adversely impact its financial performance. Furthermore, a decrease in the loan-to-deposit ratio, which fell from 100% to 95%, indicates challenges in liquidity management and may reflect underlying issues in attracting deposits to fund loan growth.
This aggregate rating is based on analysts' research of Capital Bancorp Inc and is not a guaranteed prediction by Public.com or investment advice.
CBNK Analyst Forecast & Price Prediction
Start investing in CBNK
Order type
Buy in
Order amount
Est. shares
0 shares