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Capital Bancorp has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.GuruFocus does not calculate Capital Bancorp's interest coverage with the available data. Capital Bancorp's debt to revenue ratio for the quarter that ended in Dec. 2023 was 0.30. Altman Z-Score does not apply to banks and insurance companies.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Capital Bancorp's Interest Expense for the months ended in Dec. 2023 was $-12.1 Mil. Its Operating Income for the months ended in Dec. 2023 was $0.0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $49.1 Mil.
Capital Bancorp's Interest Coverage for the quarter that ended in Dec. 2023 is
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Capital Bancorp Inc has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Capital Bancorp's Debt to Revenue Ratio for the quarter that ended in Dec. 2023 is
Debt to Revenue Ratio | = | Total Debt (Q: Dec. 2023 ) | / | Revenue | ||
= | (Short-Term Debt & Capital Lease Obligation | + | Long-Term Debt & Capital Lease Obligation) | / | Revenue | |
= | (0 | + | 49.062) | / | 163.3 | |
= | 0.30 |
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 (NAS:CBNK) Financial Strength Explanation
The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.
Capital Bancorp has the Financial Strength Rank of 4.
Thank you for viewing the detailed overview of Capital Bancorp's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.
Jacob Dalaya | officer: EVP, Chief Strategy Officer | 2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850 |
Perrine Constance E | officer: SVP & CAO | C/O OMNI FINANCIAL SERVICES, INC., SIX CONCOURSE PARKWAY, SUITE 2300, ATLANTA GA 30328 |
Mary Ann Scully | director | 3301 BOSTON STREET, BALTIMORE MD 21224 |
Jennings Walker | officer: EVP, Chief Financial Officer | 2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850 |
Randall James Levitt | director | ONE CHURCH STREET SUITE 300, ROCKVILLE MD 20850 |
Steven M Poynot | officer: EVP, Chief Operating Officer | 8004 BRIGHT LIGHT PLACE, ELLICOTT CITY MD 21043 |
Gary M Kausmeyer | officer: Chief Risk Officer | 185 EAST MARKET STREET, WARREN OH 44481 |
Jeffrey Kaye | officer: EVP, Chief Marketing Officer | 2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850 |
Sandeep Uthra | officer: EVP & CIO | 2275 RESEARCH BLVD, 6TH FLOOR, ROCKVILLE MD 20850 |
Fred Joseph Lewis | director | 2275 RESEARCH BLVD, ROCKVILLE MD 20850 |
Eric M. Suss | officer: EVP and CHRO | ONE CHURCH STREET, ROCKVILLE MD 20850 |
Jerome Ronnell Bailey | director | CAPITAL BANCORP, INC., 2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850 |
Stephen N Ashman | director | |
James F. Whalen | director | ONE CHURCH STREET, ROCKVILLE MD 20850 |
Joshua Bernstein | director | ONE CHURCH STREET, ROCKVILLE MD 20850 |
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