All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2026-08-14.
From the record
Capital Bancorp, Inc.'s filings since 2017 show 2 warning events of 2 kinds: an auditor change (8-K item 4.01, the latest 2026-08-14); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2018-11-15) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+21% a year over 9 filed years; profitable in 9 of 9.
From the record
Capital Bancorp, Inc.'s 9 filed years say what it did: revenue went from $57 million in fiscal 2017 to $261 million in fiscal 2025, up 21% a year; it rose in 8 of 8 years; it never fell from a peak; net income was positive in 9 of 9 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 5.3% a year. 25% of cash flow returned. Insiders: 1 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Capital Bancorp, Inc.'s diluted share count grew about 5.3% a year, and dividends and buybacks returned about 25% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 0 purchases of their own stock on the open market in the year to 2026-11-03 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 14%: 14¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Capital Bancorp, Inc. earned about 14 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 14.5% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 45% of 79 in its family; net margin 21.9%.
From the record
Capital Bancorp, Inc.'s standing among 79 graded names in its industry family: revenue of $261 million in fiscal 2025 ranks in the bottom 29% by size; a net margin of 21.9% ranks in the bottom 46%; revenue growth of 20.1% a year over the last 3 filed years ranks in the top 40% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 38% of 74 in its family for leadership; chief executive since 2018.
From the record
Capital Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Barry, Edward F (Chief Executive Officer, as filed), filing under that title since 2018-09-26, 8.1 years (top 43% of its family); the 25 officers and directors filing in the last fifteen months have been on the record a median of 4.1 years (bottom 9%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 25 people in charge now (bottom 46%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 25% of 71 in its family for room to expand.
From the record
Capital Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $256 million against no long-term debt tagged leaves 7.1% of its assets as net cash, top 19% of its family; cash from operations less capital spending is 26.7% of revenue (top 30%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 39% of 79 in its family for growth drivers.
From the record
Capital Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 20.1% a year over the last three filed years against 21% over all 9, slowing (bottom 21% of its family); the newest year grew 22.3% (top 11%); capital spending grew 22% a year (top 26%) (its annual reports). Capital Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 20% of 76 in its family for expectations against reality.
From the record
Capital Bancorp, Inc.'s newest year against its own record: revenue of $261 million in fiscal 2025 came in 2.8% above the $254 million its prior three years' pace pointed to (top 9% of its family); net income of $57 million against a prior three-year average of $36 million (top 20%); a net margin of 21.9% against 20.6% before (top 30%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made