Capital Bancorp reports Q4 2025 EPS of $0.91, up from $0.45 YoY; full-year record earnings

Capital Bancorp Inc

2025-FY EPS reported $3.41

GAAP net income $15.0M ($0.91 EPS) vs $7.5M ($0.45) a year ago; core net income $15.0M ($0.91).
Gross loans grew $137.5M (19.3% annualized) in Q4; total deposits up $180.9M (24.6% annualized).
Net interest margin 5.94%, down 42 bps sequentially but up 7 bps YoY; net interest income up 13.4% YoY.
Book value per share $24.54 (+$3.23 YoY); tangible book value $22.05 (+15.5% YoY).
Board declared $0.12/share dividend payable Feb 28; repurchased 304,288 shares at avg $28.12 in Q4.

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