DDM Analysis: CBNK

Valuation Snapshot

Stable Growth	$100.58 - $587.06	$186.24
Multi-Stage	$58.43 - $63.93	$61.13
Blended Fair Value	$123.69
Current Price	$31.90
Upside	287.74%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	0.00%	0.00%	0.31	0.23	0.18	0.08	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	34.57%	27.07%	123.23%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	1.11%	1.11%	1.10%	0.36%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	49.67
(-) Cash Dividends Paid (M)	6.97
(=) Cash Retained (M)	42.69

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	9.93	6.21	3.72
Cash Retained (M)	42.69	42.69	42.69
(-) Cash Required (M)	-9.93	-6.21	-3.72
(=) Excess Retained (M)	32.76	36.49	38.97
(/) Shares Outstanding (M)	16.83	16.83	16.83
(=) Excess Retained per Share	1.95	2.17	2.32
LTM Dividend per Share	0.41	0.41	0.41
(+) Excess Retained per Share	1.95	2.17	2.32
(=) Adjusted Dividend	2.36	2.58	2.73
WACC / Discount Rate	7.98%	7.98%	7.98%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$100.58	$186.24	$587.06
Upside / Downside	215.30%	483.83%	1,740.32%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	49.67	52.89	56.33	59.99	63.89	68.05	70.09
Payout Ratio	14.04%	29.23%	44.42%	59.62%	74.81%	90.00%	92.50%
Projected Dividends (M)	6.97	15.46	25.02	35.77	47.80	61.24	64.83

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.98%	7.98%	7.98%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	14.18	14.32	14.45
Year 2 PV (M)	21.06	21.46	21.87
Year 3 PV (M)	27.62	28.41	29.22
Year 4 PV (M)	33.86	35.16	36.50
Year 5 PV (M)	39.80	41.72	43.72
PV of Terminal Value (M)	846.60	887.49	929.94
Equity Value (M)	983.12	1,028.57	1,075.70
Shares Outstanding (M)	16.83	16.83	16.83
Fair Value	$58.43	$61.13	$63.93
Upside / Downside	83.17%	91.64%	100.42%

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Capital Bancorp, Inc. (CBNK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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