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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Capital Bancorp's retained earnings for the quarter that ended in Mar. 2026 was $302.8 Mil.
Capital Bancorp's quarterly retained earnings
increased
from Sep. 2025 ($274.0 Mil) to Dec. 2025 ($292.7 Mil) and
increased
from Dec. 2025 ($292.7 Mil) to Mar. 2026 ($302.8 Mil).
Capital Bancorp's annual retained earnings
increased
from Dec. 2023 ($213.3 Mil) to Dec. 2024 ($242.9 Mil) and
increased
from Dec. 2024 ($242.9 Mil) to Dec. 2025 ($292.7 Mil).
Capital Bancorp (NAS:CBNK) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Capital Bancorp Retained Earnings Historical Data
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The historical data trend for Capital Bancorp's Retained Earnings 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Capital Bancorp (CBNK) has a Retained Earnings of $302.8 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Capital Bancorp and its competitors.
Is Capital Bancorp's Retained Earnings too high?
Capital Bancorp's current Retained Earnings is $302.8 Mil. Overall, Capital Bancorp has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital Bancorp's Retained Earnings compare to SFST and BWB?
Capital Bancorp's Retained Earnings of $302.8 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Capital Bancorp and its competitors. Capital Bancorp's current Retained Earnings is $302.8 Mil. 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 $31.89, compared to a current price of $35.98 — trading 12.8% above its estimated fair value. The current Retained Earnings is $302.8 Mil. Capital Bancorp's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Capital Bancorp (CBNK), the current Retained Earnings is $302.8 Mil 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 $35.98 is trading 12.8% above its estimated GF Value™ of $31.89.
GuruFocus considers Capital Bancorp to be Modestly Overvalued.
Key valuation signals for CBNK:
Retained Earnings: $302.8 Mil
GF Value™: $31.89 vs. price of $35.98 (12.8% above fair value)
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 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 CBNK
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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