Flushing Financial vs Capital Bancorp

This page compares Flushing Financial and Capital Bancorp, examining their business models, financial performance, and market context in a neutral, accessible way. It presents how each organisation approaches customers, risk, and growth without offering advice. The content is designed to illuminate similarities and differences between the two institutions. Educational content, not financial advice.

This page compares Flushing Financial and Capital Bancorp, examining their business models, financial performance, and market context in a neutral, accessible way. It presents how each organisation ap...

Comparison Snapshot

Key Financial Metrics

FFIC

Metric

CBNK

$509.72M

Market Cap

$480.26M

-0.50%

Potential Profit

13.73%

Hold

Analyst Rating

Buy

Investment Analysis

Flushing Financial

FFIC

Pros

Flushing Financial operates as a New York State-chartered, FDIC-insured commercial bank providing diverse financial services to consumers, businesses, and government entities.
The company offers a relatively high dividend yield of about 6.56%, which can be attractive to income-focused investors.
It has a moderately low beta of 0.86, suggesting less volatility compared to the broader market.

Considerations

Reported a net loss of approximately $35.93 million over the trailing twelve months, indicating current profitability challenges.
The company’s price-to-earnings (PE) ratio is not available due to negative earnings, reflecting unprofitable operations recently.
Market capitalization is under $500 million, signaling a smaller firm that may face competitive and scale limitations.

Capital Bancorp

CBNK

Pros

Capital Bancorp focuses on community banking, offering tailored financial services that can foster strong regional customer loyalty.
The bank has delivered consistent growth in loans and deposits, supporting potential revenue expansion.
It benefits from relatively stable earnings streams typical of community banks with diversified local business exposure.

Considerations

Capital Bancorp faces risks from regional economic fluctuations which may impact loan performance and asset quality.
Exposure to interest rate volatility could affect net interest margins given its banking business model.
The company operates in a highly competitive banking industry with pressure from larger national banks and fintech disruptors.

About The Companies

Flushing Financial (FFIC)

Flushing Financial Corp (FFIC) is the holding company for Flushing Bank, a regional commercial bank serving the New York metropolitan area with deposit, lending, mortgage and other banking services. With a market capitalisation around $445m, FFIC is a relatively small-cap, community-focused bank where local lending relationships and deposit stability matter. Investors should consider interest-rate sensitivity — net interest margins can expand in rising-rate environments but compress if rates fall — and monitor credit quality as commercial real estate and small-business portfolios can be cyclical. Regulatory capital, loan-loss reserves and deposit trends are key fundamentals to watch. The stock may appeal to investors seeking regional-bank exposure or potential income, but share prices can be volatile and dividends are not guaranteed. This summary provides general information for education — not personalised investment advice. Consider diversification and, if unsure, consult a financial adviser about suitability for your goals and risk tolerance.

Capital Bancorp (CBNK)

Capital Bancorp, Inc. (CBNK) is a Maryland-based bank holding company that provides traditional banking services—such as deposit accounts, commercial and consumer lending, and treasury services—primarily to local and regional customers. With a market capitalisation around $493 million, the firm’s performance tends to reflect regional economic conditions, interest-rate cycles and credit quality trends. Important drivers for investors include net interest margin trends (sensitive to central-bank rates and deposit costs), loan growth versus deposit growth, and management of credit losses and provisioning. Regulation, competition for deposits and potential consolidation in the regional-banking sector are additional factors. This is educational information only — not personalised investment advice. Bank stocks can be volatile: values can rise and fall and past performance is not a reliable guide to the future. Investors should consider their investment horizon, risk tolerance and seek independent advice if unsure about suitability.

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Comparison Snapshot