Capital Bancorp, Inc. — Earnings Quality Grade A
CBNK · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 25 days, change -8 days YoY
AR growth 0.2% vs revenue growth 31.3%
Revenue 31.3%, CFFO 99.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 10.1% vs revenue 31.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.22. Profits backed by cash
FCF $0.1B, FCF/NI = 1.18
Accruals ratio = -0.3%. Low accruals
Cash $0.3B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 10% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 10% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Capital Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25