Capital Bancorp Q3 EPS beats estimates, partly driven by IFH acquisition

Capital Bancorp

27/10/2025 21:16

Overview

Capital Bancorp 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 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/Miss
Actual
Consensus Estimate
Q3 Adjusted EPS
$0.72
Q3 EPS
Beat
$0.89
$0.83 (4 Analysts)
Q3 Net Income
Beat
$15.10 mln
$14.52 mln (4 Analysts)
Q3 Net Interest Income
$52 mln
Q3 Loan Loss Provision
$4.70 mln


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 $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: ID:nGNX4YYWdw

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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.)