CBNK (Capital Bancorp) Moat Score: 3/10 (As of Jul. 03, 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 Moat Score?

Capital Bancorp CBNK -1.85% 74 Moat Score is 3 as of Jul. 03, 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. Among 1,612 Banks companies, Capital Bancorp ranks better than 74.5% on this metric.

Capital Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Capital Bancorp has No Moat: Capital Bancorp Inc operates in a highly competitive banking sector with limited differentiation. It lacks significant market leadership, network effects, or strong brand loyalty. The company does not possess substantial intellectual property or cost advantages, and faces regulatory challenges typical of the banking industry.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Capital Bancorp might have No Moat - Very weak/transient advantages.

Capital Bancorp  (NAS:CBNK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Capital Bancorp Moat Score Related Terms

CBNK vs SFST, BWB, KRNY: Moat Score Comparison

For the Banks - Regional subindustry, Capital Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Capital Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Capital Bancorp's Moat Score falls into.


CBNK
74GF Score
Capital Bancorp Inc CBNK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Capital Bancorp (CBNK) has a Moat Score of 3 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Capital Bancorp ranks #411 out of 1612 companies in the Banks industry, placing it in the top 25.5%.
Is Capital Bancorp's Moat Score too high?
Capital Bancorp's current Moat Score is 3. Based on the distribution chart, Capital Bancorp ranks #411 out of 1612 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to SFST and BWB?
According to the Banks industry distribution chart, Capital Bancorp ranks #411 out of 1612 companies for Moat Score. This puts Capital Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Capital Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Capital Bancorp (CBNK), the current Moat Score is 3 as of Jul. 03, 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:

  • Moat Score: 3
  • 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

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$35.50
Price
$31.61
GF Value