Capital BancorpFRA:316 +2.88%75 Net Margin % is 19.58% as of Mar. 2026, which is 2% above its 10-year median of 19.27. GuruFocus rates FRA:316 with a GF Score™ of 75/100 and a GF Value™ of €26.21. The stock has 2 warning signs investors should review. Among 1,526 Banks companies, Capital Bancorp ranks worse than 64.35% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Capital Bancorp's Net Income for the
three
months ended in Mar. 2026 was €10.4 Mil. Capital Bancorp's Revenue for the
three
months ended in Mar. 2026 was €53.1 Mil. Therefore, Capital Bancorp's net margin for the quarter that ended in Mar. 2026 was 19.58%.
The historical rank and industry rank for Capital Bancorp's Net Margin % or its related term are showing as below:
FRA:316'
s Net Margin % Range Over the Past 10 Years
Min: 11.33 Med: 19.27 Max: 24.84
Current: 22.58
FRA:316's Net Margin % is ranked worse than 64.35% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FRA:316: 22.58
Capital Bancorp (FRA:316) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Capital Bancorp Net Margin % Related Terms
Capital Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Capital Bancorp's Net Margin % 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.
FRA:316 vs KRNY, BWB, WCCB: Net Margin % Comparison
For the Banks - Regional subindustry, Capital Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Capital Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Capital Bancorp's Net Margin % falls into.
* 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 (FRA:316) has a Net Margin % of 19.58% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Capital Bancorp and its competitors. This is near median its historical median of 19.27. Over the past decade, Capital Bancorp's Net Margin % has ranged from 11.33 to 24.84. According to the industry distribution chart, Capital Bancorp ranks #982 out of 1526 companies in the Banks industry, placing it in the top 64.4%.
Is Capital Bancorp's Net Margin % too high?
Capital Bancorp's current Net Margin % of 19.58% is near median its 10-year median of 19.27. Over the past 10 years, this metric has ranged from a low of 11.33 to a high of 24.84. The Banks industry median Net Margin % is 26.97. Capital Bancorp's value of 19.58% is 27.4% below this industry median. Based on the distribution chart, Capital Bancorp ranks #982 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Capital Bancorp has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does Capital Bancorp's Net Margin % compare to KRNY and BWB?
According to the Banks industry distribution chart, Capital Bancorp ranks #982 out of 1526 companies for Net Margin %. This places Capital Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. Capital Bancorp's value of 19.58% is 27.4% below this benchmark. Historically, Capital Bancorp's own Net Margin % has ranged from 11.33 to 24.84 over the past decade. While the company's 10-year median is 19.27 vs. the industry median of 26.97, Capital Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital Bancorp's current Net Margin % of 19.58% is 27.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Capital Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital Bancorp's current Net Margin % is 19.58%, which is near median its own 10-year median of 19.27. 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?
Capital Bancorp (FRA:316) has a current Net Margin % of 19.58%. The stock's GF Value™ is €26.21, compared to a current price of €28.60 — trading 9.1% above its estimated fair value. The current Net Margin % is 19.58%, which is near median its 10-year median of 19.27 and 27.4% below the Banks industry median of 26.97. Capital Bancorp's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Capital Bancorp (FRA:316), the current Net Margin % is 19.58% 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 (FRA:316) Overvalued in 2026?
Based on GuruFocus' analysis, Capital Bancorp stock appears to be overvalued.
The current stock price of €28.60 is trading 9.1% above its estimated GF Value™ of €26.21.
Key valuation signals for FRA:316:
Net Margin %: 19.58% (near median its 10-year median of 19.27)
GF Value™: €26.21 vs. price of €28.60 (9.1% above fair value)
Industry Position: 27.4% below the Banks median (#982 of 1526)
No single metric tells the full story. See the FRA:316 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
75GF Score
Get the complete analysis for FRA:316
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:316 has been successfully added to your 
