CBNK (Capital Bancorp) Cyclically Adjusted Book per Share: $15.21 (As of Mar. 2026)


CBNK Capital Bancorp Inc CBNK
74 GF Score
Price $35.50
GF Value $31.61
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Capital Bancorp Cyclically Adjusted Book per Share?

Capital Bancorp CBNK -1.85% 74 Cyclically Adjusted Book per Share is $15.21 as of Mar. 2026. GuruFocus rates CBNK with a GF Score™ of 74/100 and a GF Value™ of $31.61 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Capital Bancorp's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was $24.538. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $15.21 for the trailing ten years ended in Dec. 2025.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-03), Capital Bancorp's current stock price is $ 35.50. Capital Bancorp's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was $15.21. Capital Bancorp's Cyclically Adjusted PB Ratio of today is 2.33.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Capital Bancorp was 2.47. The lowest was 1.84. And the median was 2.12.


Capital Bancorp  (NAS:CBNK) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Capital Bancorp's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=35.50/15.21
=2.33

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Capital Bancorp was 2.47. The lowest was 1.84. And the median was 2.12.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Capital Bancorp Cyclically Adjusted Book per Share Related Terms


Capital Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Capital Bancorp's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Capital Bancorp Cyclically Adjusted Book per Share Chart

Capital Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 13.03 15.21

Capital Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 15.21 0.00

CBNK vs SFST, BWB, KRNY: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Capital Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Capital Bancorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Capital Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Capital Bancorp's Cyclically Adjusted PB Ratio falls into.


CBNK
74GF Score
Capital Bancorp Inc CBNK
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Capital Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Capital Bancorp's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=24.538/324.0540*324.0540
=24.538

Current CPI (Dec. 2025) = 324.0540.

Capital Bancorp Annual Data

Book Value per Share CPI Adj_Book
201612 5.376 241.432 7.216
201712 6.088 246.524 8.003
201812 8.379 251.233 10.808
201912 9.596 256.974 12.101
202012 11.583 260.474 14.410
202112 14.174 278.802 16.475
202212 15.844 296.797 17.299
202312 18.305 306.746 19.338
202412 21.313 315.605 21.884
202512 24.538 324.054 24.538

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $15.21 mean?
Capital Bancorp (CBNK) has a Cyclically Adjusted Book per Share of $15.21 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Capital Bancorp and its competitors.
Is Capital Bancorp's Cyclically Adjusted Book per Share too high?
Capital Bancorp's current Cyclically Adjusted Book per Share is $15.21. Overall, Capital Bancorp has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital Bancorp's Cyclically Adjusted Book per Share compare to SFST and BWB?
Capital Bancorp's Cyclically Adjusted Book per Share of $15.21 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Capital Bancorp and its competitors. Capital Bancorp's current Cyclically Adjusted Book per Share is $15.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Capital Bancorp (CBNK) is currently considered Modestly Overvalued. The stock's GF Value™ is $31.61, compared to a current price of $35.50 — trading 12.3% above its estimated fair value. The current Cyclically Adjusted Book per Share is $15.21. Capital Bancorp's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Capital Bancorp (CBNK), the current Cyclically Adjusted Book per Share is $15.21 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Capital Bancorp (CBNK) Overvalued in 2026?

Based on GuruFocus' analysis, Capital Bancorp stock appears to be overvalued. The current stock price of $35.50 is trading 12.3% above its estimated GF Value™ of $31.61. GuruFocus considers Capital Bancorp to be Modestly Overvalued.

Key valuation signals for CBNK:

  • Cyclically Adjusted Book per Share: $15.21
  • GF Value™: $31.61 vs. price of $35.50 (12.3% above fair value)
  • GF Score™: 74/100 with 4 warning signs

No single metric tells the full story. See the CBNK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Capital Bancorp Business Description

Address 2275 Research Boulevard, Suite 600, Rockville, MD, USA, 20850
Capital Bancorp Inc is a bank holding company. The company through its holdings operates as a commercial-focused community bank that serves businesses, not-for-profit associations, and entrepreneurs throughout the region. The bank operates through four divisions including Commercial Banking, Capital Bank Home Loans, OpenSky, and Windsor Advantage. The company generates majority revenue from the Commercial bank sector. Commercial Banking division focuses on providing personalized service to commercial clients throughout the operations supplemented by lending outside primary market as well as engaging in government guaranteed lending on a national basis.
74GF Score

Get the complete analysis for CBNK

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.50
Price
$31.61
GF Value