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Capital Bancorp - AI Stock Analysis

Analysis generated July 17, 2025

Capital Bancorp is a financial institution that provides a broad spectrum of banking and financial services to individuals, small to medium-sized businesses, and institutional clients. Known for its robust financial health and strategic growth initiatives, the company has a solid market presence and continues to evolve its service offerings to meet changing market demands.

Fundamental Analysis

Revenue for the last quarter was $70M. This is an increase of 30.41% compared to the quarter before it, which is a positive sign of growth. Compared to the same quarter last year, there is an increase of 71.23%, suggesting positive year-over-year growth.

Net income for the last quarter was $14M. This is an increase of 84.95% compared to the quarter before it, which is a positive sign of growth. Compared to the same quarter last year, there is an increase of 112.31%, suggesting positive year-over-year growth.

EBITDA for the last quarter was $14M. This is an increase of 0.00% compared to the quarter before it, which is a positive sign of growth. Compared to the same quarter last year, there is an increase of 1,449.62%, suggesting positive year-over-year growth.

The current P/E ratio is 13.98. This appears to be within a normal range, neither particularly high nor low. This implies that the stock is fairly valued based on its earnings.

Technical Analysis

Today's stock price is $35.34. This is an increase of 13.67% compared to a month ago, indicating a positive short-term trend. Compared to a year ago, there is an increase of 53.79%, suggesting a positive long-term trend. The trend is bullish.

The current SMA10 is $35.05, which is higher than the previous SMA10 of $35.03. This indicates a potential upward trend in price movement.

The RSI is 68.2, indicating a neutral condition. While it's approaching the overbought territory, it does not yet signal a significant risk of a sharp correction.

Alternative Data Analysis

Starting with job postings and employee sentiment, Capital Bancorp has 17 open positions according to data from the most popular job boards. This number is down by 6% in the last couple of months, indicating a company trying to improve its margins or cut costs. This is not a great sign for a growing company.

Moving on to customer acquisition, Capital Bancorp has an estimate of 55,000 visitors to their webpage. The number of visitors is down by 58% in the last couple of months, a worrisome trend as this can indicate a loss in customers.

Capital Bancorp has an estimate of 0 users downloading their mobile apps every day, with no meaningful increase or decrease in downloads over the last couple of months, showing stagnation in digital engagement.

Also, consider AltIndex’s AI score, which tries to predict a company’s stock price based on fundamental, technical, and alternative data analysis. Capital Bancorp has an AI score of 45, which is a hold signal.

Conclusion and Recommendation

Based on the fundamental, technical, and alternative data analysis, Capital Bancorp appears to be in a robust financial position. The significant growth in revenue, net income, and EBITDA are positive indicators, suggesting that the company is on a sound upward trajectory. The technical analysis also supports this with a bullish trend and positive short- and long-term stock price movements.

However, the alternative data paints a less optimistic picture. The decrease in job postings and significant drop in webpage visitors could signal underlying issues in customer acquisition and retention. The stagnant mobile app engagement further raises concerns regarding the company's ability to effectively adapt to the digital age.

Therefore, a cautious approach is advised. While the fundamental and technical indicators are strong, the alternative data suggests potential issues that could impact long-term growth. Given these mixed signals, a hold recommendation seems appropriate at this time, awaiting further data to clarify the company's future trajectory.

Disclaimer: This AI stock analysis, generated by an experimental AI tool, is for informational purposes only and not financial advice. Information is based on publicly available data and may not always be accurate or current.