Overview

* Capital Bancorp ( CBNK ) Q3 net income and EPS beat analyst expectations

* Net interest income rose 9.2% from Q2 2025, driven by organic growth and IFH acquisition

* Total deposits decreased 3.9% from Q2 2025, but grew 33.2% year-over-year

Outlook

* Capital Bancorp ( CBNK ) did not provide specific guidance for future quarters or full-year 2025 in its press release

Result Drivers

* IFH ACQUISITION - Acquisition of IFH contributed significantly to loan and deposit growth

* NET INTEREST INCOME - Increase driven by $4.6 mln acceleration of accretion from refinancing callable brokered time deposits acquired in IFH transaction

* CREDIT METRICS - Increase in allowance for credit losses primarily due to loans acquired from IFH

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 $0.72

Adjusted

EPS

Q3 EPS Beat $0.89 $0.83 (4

Analysts

)

Q3 Net Beat $15.10 $14.52

Income mln mln (4

Analysts

)

Q3 Net $52 mln

Interest

Income

Q3 Loan $4.70

Loss mln

Provisio

n

Analyst Coverage

* The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy"

* Wall Street's median 12-month price target for Capital Bancorp Inc ( CBNK ) is $37.00, about 19.6% above its October 24 closing price of $29.73

* The stock recently traded at 8 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)