Capital Bancorp (Capital Bancorp) Cash-to-Debt : 1.09 (As of Dec. 2023)

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What is Capital Bancorp Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Capital Bancorp's cash to debt ratio for the quarter that ended in Dec. 2023 was 1.09.

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Capital Bancorp could pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

The historical rank and industry rank for Capital Bancorp's Cash-to-Debt or its related term are showing as below:

CBNK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.46 Med: 1.87 Max: 5.28
Current: 2.5

During the past 9 years, Capital Bancorp's highest Cash to Debt Ratio was 5.28. The lowest was 0.46. And the median was 1.87.

CBNK's Cash-to-Debt is ranked better than
68.61% of 1424 companies
in the Banks industry
Industry Median: 1.295 vs CBNK: 2.50

Capital Bancorp Cash-to-Debt Historical Data

The historical data trend for Capital Bancorp's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Capital Bancorp Cash-to-Debt Chart

Capital Bancorp Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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2.37

4.01

5.28

0.46

1.09

Capital Bancorp Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Cash-to-Debt	Get a 7-Day Free Trial															3.18	3.49	4.23	1.09	2.50

Competitive Comparison of Capital Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, Capital Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Capital Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Capital Bancorp's Cash-to-Debt falls into.

Capital Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Capital Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	53.557	/	(0	+	49.062)
	=	1.09

Capital Bancorp's Cash to Debt Ratio for the quarter that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	53.557	/	(0	+	49.062)
	=	1.09

Capital Bancorp (NAS:CBNK) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Capital Bancorp Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Capital Bancorp's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Capital Bancorp (Capital Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Capital Bancorp Inc (NAS:CBNK) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

316:Germany

Address

2275 Research Boulevard, Suite 600, Rockville, MD, USA, 20850

Website

https://www.capitalbankmd.com

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, Corporate Office, and OpenSky. Its Commercial Banking division offers banking-related services to clients, Capital Bank Home Loans division offers conventional and government-guaranteed residential mortgage loans on a nationwide basis for sale into the secondary market, while its OpenSky division provides secured credit cards on a nationwide basis to under-banked populations and those looking to rebuild their credit scores.

Executives

Jacob Dalaya	officer: EVP, Chief Strategy Officer	2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850
Perrine Constance E	officer: SVP & CAO	C/O OMNI FINANCIAL SERVICES, INC., SIX CONCOURSE PARKWAY, SUITE 2300, ATLANTA GA 30328
Mary Ann Scully	director	3301 BOSTON STREET, BALTIMORE MD 21224
Jennings Walker	officer: EVP, Chief Financial Officer	2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850
Randall James Levitt	director	ONE CHURCH STREET SUITE 300, ROCKVILLE MD 20850
Steven M Poynot	officer: EVP, Chief Operating Officer	8004 BRIGHT LIGHT PLACE, ELLICOTT CITY MD 21043
Gary M Kausmeyer	officer: Chief Risk Officer	185 EAST MARKET STREET, WARREN OH 44481
Jeffrey Kaye	officer: EVP, Chief Marketing Officer	2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850
Sandeep Uthra	officer: EVP & CIO	2275 RESEARCH BLVD, 6TH FLOOR, ROCKVILLE MD 20850
Fred Joseph Lewis	director	2275 RESEARCH BLVD, ROCKVILLE MD 20850
Eric M. Suss	officer: EVP and CHRO	ONE CHURCH STREET, ROCKVILLE MD 20850
Jerome Ronnell Bailey	director	CAPITAL BANCORP, INC., 2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850
Stephen N Ashman	director
James F. Whalen	director	ONE CHURCH STREET, ROCKVILLE MD 20850
Joshua Bernstein	director	ONE CHURCH STREET, ROCKVILLE MD 20850