Provides commercial banking services to businesses and non-profit organizations. Offers residential mortgage loans through Capital Bank Home Loans. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 15% a year over the last 4 years. Every year shown ended in profit.
The market pays 10.3× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 82% of them.
Analysts' average target sits 2% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 19% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 4 years, sales grew about 15% a year on average.
Over the last 12 months, company executives reported 99 buys and 77 sells. Management buying with its own money is usually read as a good sign.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, CBNK sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: CBNK is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.