Capital Bancorp beats Q2 net income estimates

Capital Bancorp

28/07/2025 21:12

Corrects headline and first bullet of overview, net income, pretax profit and loan loss provision entries in key details table

Overview

Capital Bancorp Q2 net income misses net income and EPS expectations

Revenue growth driven by IFH acquisition and organic growth

Co increases cash dividend by 20% from Q1, repurchases shares worth $2.5 mln

Outlook

Capital Bancorp sees no unexpected headwinds impacting growth

Company aims for robust EPS and TBV growth through multiple levers

Result Drivers

IFH ACQUISITION - Contributed $373.5 mln to loan growth and $459.0 mln to deposit growth

ORGANIC GROWTH - Added $344.7 mln to loan growth and $381.3 mln to deposit growth

NET INTEREST INCOME - Increased $10.6 million y/y due to strong organic growth and the acquisition of IFH

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q2 EPS
Miss
$0.78
$0.88 (4 Analysts)
Q2 Net Income
Miss
$13.1 mln
$14.90 mln (4 Analysts)
Q2 Net Interest Income
$47.60 mln
Q2 Pretax Profit
Miss
$17.1 mln
$19.60 mln (4 Analysts)
Q2 Loan Loss Provision
$4.10 mln
Q2 Net Interest Margin
6.0%


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 is $35.50, about 3.5% above its July 25 closing price of $34.24

The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release: ID:nGNX75k6TZ

(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.)