secwatch.observer — SEC 8-K summary
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Issuer:     Capital Bancorp Inc (CBNK)
CIK:        0001419536
Form:       8-K
Filed at:   2026-01-26T23:59:59+00:00
Accession:  0001419536-26-000006
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01, 8.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1419536/000141953626000006/0001419536-26-000006-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1419536/000141953626000006/cbnk-20260126.htm
  HTML page:      https://secwatch.observer/filing/0001419536-26-000006

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer