Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Capital Bancorp's 3-Year RORE % for the quarter that ended in Mar. 2026 was 13.88%.
The industry rank for Capital Bancorp's 3-Year RORE % or its related term are showing as below:
CBNK's 3-Year RORE % is ranked better than 57.97% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs CBNK: 13.88
Capital Bancorp (NAS:CBNK) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Capital Bancorp 3-Year RORE % Related Terms
Capital Bancorp 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Capital Bancorp's 3-Year RORE % 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.
For the Banks - Regional subindustry, Capital Bancorp's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Capital Bancorp's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Capital Bancorp's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Capital Bancorp (CBNK) has a 3-Year RORE % of 13.88 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Capital Bancorp and its competitors. According to the industry distribution chart, Capital Bancorp ranks #620 out of 1475 companies in the Banks industry, placing it in the top 42%.
Is Capital Bancorp's 3-Year RORE % too high?
Capital Bancorp's current 3-Year RORE % is 13.88. The Banks industry median 3-Year RORE % is 9.92. Capital Bancorp's value of 13.88 is 39.9% above this industry median. Based on the distribution chart, Capital Bancorp ranks #620 out of 1475 companies in the Banks industry, which is above the industry midpoint. 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 3-Year RORE % compare to SFST and BWB?
According to the Banks industry distribution chart, Capital Bancorp ranks #620 out of 1475 companies for 3-Year RORE %. This puts Capital Bancorp in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Capital Bancorp's value of 13.88 is 39.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital Bancorp's current 3-Year RORE % of 13.88 is 39.9% above 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Capital Bancorp and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital Bancorp's current 3-Year RORE % is 13.88. 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 $31.74, compared to a current price of $35.13 — trading 10.7% above its estimated fair value. The current 3-Year RORE % is 13.88 and 39.9% above the Banks industry median of 9.92. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Capital Bancorp (CBNK), the current 3-Year RORE % is 13.88 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 $35.13 is trading 10.7% above its estimated GF Value™ of $31.74.
GuruFocus considers Capital Bancorp to be Modestly Overvalued.
Key valuation signals for CBNK:
3-Year RORE %: 13.88
GF Value™: $31.74 vs. price of $35.13 (10.7% above fair value)
Industry Position: 39.9% above the Banks median (#620 of 1475)
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
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