CBNK · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.
Records still being gathered — partial as of retrieval Nov 2, 2026.
Among the rows shown, A/F/M acquisition, payment or withholding, and exercise or conversion rows outnumber S sale rows (46 versus 0). The filing codes alone do not establish that every such row arose from a compensation plan.
Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.
| Insider | Shares owned after | Date | Filing detail | ||||
|---|---|---|---|---|---|---|---|
| Dalaya JacobEVP, Chief Financial Officer | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 332 | —Exercise or conversion of derivative security (M) | — | 902 | Oct 23, 2026 | 1 filed lot
|
| Dalaya JacobEVP, Chief Financial Officer | Payment of exercise price or tax liability (F)Table I · Disposed · Common Stock | 117 | $41.19 | $4,819 | 785 | Oct 23, 2026 | 1 filed lot
|
| Dalaya JacobEVP, Chief Financial Officer | Exercise or conversion of derivative security (M)Table II · Disposed · Restricted Stock Units · 1 paired event | 332 | —Exercise or conversion of derivative security (M) | — | 0 | Oct 23, 2026 | 1 filed lot
|
| Bernstein JoshuaDirector | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 4 paired events | 3,108 | $26.4811 | $82,303 | See lot detail | Oct 6, 2026 | 4 filed lots
|
| Bernstein JoshuaDirector | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Options · 4 paired events | 3,108 | —Exercise or conversion of derivative security (M) | — | See lot detail | Oct 6, 2026 | 4 filed lots
|
| Whalen James F.Director | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 2,750 | $26.41 | $72,628 | 5,976 | Sep 29, 2026 | 1 filed lot
|
| Whalen James F.Director | Payment of exercise price or tax liability (F)Table I · Disposed · Common Stock | 2,011 | $36.12 | $72,637 | 3,965 | Sep 29, 2026 | 1 filed lot
|
| Whalen James F.Director | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Options · 1 paired event | 2,750 | —Exercise or conversion of derivative security (M) | — | 0 | Sep 29, 2026 | 1 filed lot
|
| Bailey Jerome RonnellDirector | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 4 paired events | 7,566 | $25.463 | $192,653 | See lot detail | Sep 28, 2026 | 4 filed lots
|
| Bailey Jerome RonnellDirector | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Options · 4 paired events | 7,566 | —Exercise or conversion of derivative security (M) | — | See lot detail | Sep 28, 2026 | 4 filed lots
|
| RATNERSALZBERG DEBORAHDirector | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 2 paired events | 3,600 | $26.41 | $95,076 | See lot detail | Sep 25, 2026 | 2 filed lots
|
| RATNERSALZBERG DEBORAHDirector | Payment of exercise price or tax liability (F)Table I · Disposed · Common Stock | 2,644 | $35.98 | $95,131 | See lot detail | Sep 25, 2026 | 2 filed lots
|
| RATNERSALZBERG DEBORAHDirector | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Options · 2 paired events | 3,600 | —Exercise or conversion of derivative security (M) | — | See lot detail | Sep 25, 2026 | 2 filed lots
|
| Lewis Fred JosephDirector | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 4 paired events | 7,566 | $25.463 | $192,653 | See lot detail | Sep 25, 2026 | 4 filed lots
|
| Lewis Fred JosephDirector | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Options · 4 paired events | 7,566 | —Exercise or conversion of derivative security (M) | — | See lot detail | Sep 25, 2026 | 4 filed lots
|
| Brannan C ScottDirector | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 2,250 | $26.41 | $59,423 | 5,454 | Sep 24, 2026 | 1 filed lot
|
| Brannan C ScottDirector | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Options · 1 paired event | 2,250 | —Exercise or conversion of derivative security (M) | — | 0 | Sep 24, 2026 | 1 filed lot
|
| Levitt Randall JamesDirector | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 2,250 | $26.41 | $59,423 | 269,758 | Sep 23, 2026 | 1 filed lot
|
| Levitt Randall JamesDirector | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Options · 1 paired event | 2,250 | —Exercise or conversion of derivative security (M) | — | 0 | Sep 23, 2026 | 1 filed lot
|
| MCCONNELL MARC HDirector | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 2 paired events | 1,021 | $21.3863 | $21,835 | See lot detail | Sep 23, 2026 | 2 filed lots
|
| MCCONNELL MARC HDirector | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Options · 2 paired events | 1,021 | —Exercise or conversion of derivative security (M) | — | See lot detail | Sep 23, 2026 | 2 filed lots
|
| Schwartz Steven JayDirector | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 2,750 | $26.41 | $72,628 | 72,706 | Sep 22, 2026 | 1 filed lot
|
| Schwartz Steven JayDirector | Exercise or conversion of derivative security (M)Table II · Disposed · Stock Options · 1 paired event | 2,750 | —Exercise or conversion of derivative security (M) | — | 0 | Sep 22, 2026 | 1 filed lot
|
Source-event as of . Retrieved .
Flagship explainer
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $196M | 100% |
| |
| Income before tax | $74.9M | 38% |
|
| Income tax | $17.8M | 9% |
|
| $57.2M | 29% |
|
Flagship explainer
CAPITAL BANCORP INC's filing tags don't support a full breakdown — here's what is filed:
| Filed line | Value | % of assets | Source |
|---|---|---|---|
| Total assets | $3.6B | 100% |
|
| Cash and equivalents | $256M | 7% |
|
| Property, plant and equipment | $15.1M | 0% |
|
| Goodwill | $26M | 1% |
|
| Deferred tax assets | $15M | 0% |
|
| Total liabilities | $3.2B | 89% |
|
| Stockholders’ equity | $402M | 11% |
|
Flagship explainer
One or more filed inputs needed for the five-factor decomposition are unavailable.
| Input | Value | Fiscal year | Source |
|---|---|---|---|
| Net income | $57.2M | FY2025 |
|
| Income before tax | $74.9M | FY2025 |
|
| Operating income | Unavailable | FY2025 |
|
| Revenue | Unavailable | FY2025 |
|
| Ending assets | $3.6B | FY2025 |
|
| Beginning assets | $3.2B | FY2024 |
|
| Ending equity | $402M | FY2025 |
|
| Beginning equity | $355M | FY2024 |
|
Flagship explainer
CAPITAL BANCORP INC’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:
| Filed line | Value | % of cash from operations | Source |
|---|---|---|---|
| Cash from operations | $69.7M | 100% |
|
| Depreciation and amortization | $1M | 2% |
|
| Share-based compensation | $1.6M | 2% |
|
| Cash from investing | −$351M | −503% |
|
| Cash from financing | $331M | 475% |
|
| Net change in cash | $50.2M | 72% |
|
Curated 19-manager tier
Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.
0 holding0 exited0 not holding0/19 resolved19 not retrieved
| Manager | Reported position | Quarter-over-quarter | Filing accession |
|---|---|---|---|
| Abrams Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Akre Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Baupost Group | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Berkshire Hathaway | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Brave Warrior Advisors | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Dodge & Cox | Not retrieved | Comparison not retrieved | Filing not retrieved |
| First Eagle | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Fundsmith | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gardner Russo & Quinn | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gates Foundation Trust | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Mairs & Power | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Markel / Markel-Gayner | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Oakmark / Harris Associates | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Pershing Square | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Polen Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Sequoia / Ruane Cunniff | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Southeastern Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Tweedy, Browne | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Yacktman Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.
Flagship explainer
Records still being gathered — partial as of retrieval Nov 2, 2026.
Partial coverage: the incomplete Form 4 walk cannot establish no activity, an activity date, or zero counts.
Median ROE 15.0% on average equity, above the 10% hurdle in 89% of 9 years.
Q3 scored 2 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.
Profitable in 100% of 9 years, ROE steady.
Net interest income is 5.72% of average assets, very steady over 8 years through FY2025.
Not scored for this company
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 91 | |
| Jul 26, 2026 | 93 | |
| Jul 26, 2026 | 93 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.