Capital Bancorp vs Bridgewater Bancshares

Capital Bancorp and Bridgewater Bancshares: this page compares business models, financial performance, and market context in a neutral, accessible way. It outlines how each company operates, creates value, and positions itself within the sector, without recommendation or speculation. The aim is to help readers understand key similarities and differences across the capital markets landscape. Educational content, not financial advice.

Capital Bancorp and Bridgewater Bancshares: this page compares business models, financial performance, and market context in a neutral, accessible way. It outlines how each company operates, creates v...

Comparison Snapshot

Key Financial Metrics

CBNK

Metric

BWB

$480.26M

Market Cap

$497.63M

13.73%

Potential Profit

12.33%

Buy

Analyst Rating

Buy

Investment Analysis

Capital Bancorp

CBNK

Pros

Capital Bancorp trades at a modest P/E ratio relative to earnings growth, with a forward P/E of 8.85 and a price-to-book around 1.4x, suggesting reasonable valuation in the sector.
The company benefits from a diversified business model, spanning commercial banking, home loans, and payments, which may reduce reliance on any single revenue stream.
Capital Bancorp has demonstrated consistent revenue growth, with an 8.7% year-over-year increase in 2024, supported by a recent strategic acquisition aimed at strengthening commercial and industrial lending.

Considerations

Net income declined by roughly 14% year-over-year in 2024, raising questions about profitability trends despite top-line growth.
The bank’s price-to-sales ratio is above regional peers, potentially limiting upside if growth rates normalise or competition intensifies.
Integration risks from recent acquisitions could distract management and temporarily disrupt operational performance.

Bridgewater Bancshares

BWB

Pros

Bridgewater Bancshares is viewed as attractively valued, with a price-to-book of 0.9x and a forward P/E of 9.95, both below respective sector averages.
The bank has a clear focus on commercial real estate and construction lending, a niche that may offer cyclical upside in a recovering economy.
Analyst sentiment is notably positive, with a consensus ‘Strong Buy’ and a projected 28.6% upside to the current analyst price target.

Considerations

Revenue and earnings both declined in 2024, down 5.2% and 19.9% year-over-year, signalling potential challenges in core banking operations.
Bridgewater does not currently pay a dividend, which may deter income-focused investors despite its growth profile.
The bank’s loan portfolio is heavily concentrated in commercial real estate, exposing it to sector-specific risks in a downturn.

About The Companies

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.

Bridgewater Bancshares (BWB)

Bridgewater Bancshares Inc. is a financial holding company operating primarily through its subsidiary, Bridgewater Bank. The company has carved out a niche in the Minnesota financial landscape, focusing on commercial banking. Its core business involves providing loans to commercial entities, including those secured by various types of property, as well as construction and development loans. Alongside its lending activities, Bridgewater offers a suite of deposit and cash management products tailored for its business clients. While its main focus is commercial, the bank also serves retail customers with traditional banking products through its physical branches and digital channels. This dual approach allows it to serve a broader community within its specific geographic footprint. For investors, Bridgewater represents a focused play on the commercial banking sector in the American Midwest. As with any investment, its value can go down as well as up.

Which Baskets Do They Appear In?

Fed Policy Pivot | Tech and Financial Stock Opportunities

Federal Reserve Chair Jerome Powell has signaled a potential conclusion to the central bank's balance sheet reduction, a move that would inject more liquidity into financial markets. This policy shift creates an opportunity for companies sensitive to interest rates and capital availability, particularly within the technology and financial sectors.

Published: October 15, 2025

Explore Basket

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

Explore Basket

Which Baskets Do They Appear In?

Fed Policy Pivot | Tech and Financial Stock Opportunities

Federal Reserve Chair Jerome Powell has signaled a potential conclusion to the central bank's balance sheet reduction, a move that would inject more liquidity into financial markets. This policy shift creates an opportunity for companies sensitive to interest rates and capital availability, particularly within the technology and financial sectors.

Published: October 15, 2025

Explore Basket

Bank M&A Activity Overview: Consolidation Wave

Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.

Published: October 10, 2025

Explore Basket

Discover More Comparisons

Capital Bancorp vs Arrow Financial

Capital Bancorp vs FRP Holdings

CAPITAL BANCORP INC/MD vs FRP Holdings Inc

Capital Bancorp vs First Foundation

Capital Bancorp vs Bridgewater Bancshares

Comparison Snapshot