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AI brief of an SEC Form 8-K · Capital Bancorp Inc (CBNK)

Capital Bancorp Q3 net income falls 12.9% to $13.1 million; core EPS rises 2.3%

Mixed Impact 4 of 5 earnings Written later

Capital Bancorp reported unaudited third-quarter 2026 results, with GAAP net income of $13.1 million, down 12.9% from $15.1 million a year earlier, and diluted EPS of $0.80, down from $0.89. Non-GAAP core EPS was $0.89, up 2.3% from the prior quarter, after excluding $1.6 million of merger-related expenses tied to the pending all-stock merger with Peoples Bancorp. The company also declared a $0.14 per share dividend.

Key points

  • GAAP net income of $13.1 million and diluted EPS of $0.80 in Q3 2026, versus $15.1 million and $0.89 in Q3 2025
  • Core diluted EPS of $0.89 in Q3 2026, up from $0.87 in Q2 2026 and $0.72 in Q3 2025
  • Net interest income of $53.1 million, up 4.2% from Q2 2026; net interest margin of 5.81%
  • Dividend of $0.14 per share payable November 25, 2026 to holders of record on November 9, 2026

The filing

CompanyCapital Bancorp Inc (CBNK)
Form8-K, current report
Filed with the SECOct 26, 2026, 4:04 PM ET
Accession number0001419536-26-000166

Items reported: 2.02 Results of Operations8.01 Other Events

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 10:08 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 26, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.