Capital Bancorp

Q2 FY2026 EarningsQ2 FY2026 results significantly beat consensus across the board, with Diluted EPS of $0.87 exceeding the $0.82 mean estimate and revenue of $70.0M surpassing the $66.7M expectation. Net Income of $14.3M outperformed the consensus of $13.5M by 5.81%, driven by strong organic loan growth (+7.9% annualized) and a 29.6% annualized surge in fee income. Management's strategic investments in the unsecured card platform and SBA lending (Windsor™) are yielding positive operating leverage, as noninterest expenses remained flat QoQ despite ongoing expansion.