Recent News
Jan 26, 2026: Company filed material disclosure and announced corporate actions including a regular quarterly dividend; an amended Form 8-K later adjusted the dividend payment date. Late February 2026: Completed the operational conversion of an acquired regional bank, bringing acquired customers onto Capital Bank systems. Mid-March 2026: Board authorized a new $15.0 million share repurchase program replacing the prior authorization; management executed updated employment agreements around the same period.
Technical Analysis
ADX / DI+ / DI-: ADX at 26.79 indicates a strong trend presence. DI+ shows a peak-and-reversal (bearish), and DI- shows a dip-and-reversal (bearish), so directional indicators currently favor downside pressure despite trend strength.
MACD: MACD sits at 0.56 with the MACD signal at 0.46; the MACD remains above its signal line (a bullish crossover), but the MACD trend shows a peak-and-reversal, which signals waning bullish momentum and a shift toward bearish momentum.
MRO (Momentum/Regression Oscillator): MRO at 26.64 and increasing indicates price above the model target and suggests upside compression with elevated risk of a corrective move as momentum shows strength but may exhaust.
RSI: RSI at 55.47 with a peak-and-reversal trend indicates the relative-strength measure has peaked and points to declining short-term upside momentum.
Price vs Moving Averages & Bands: Close at $31.52 sits above the 200-day average ($30.53) but marginally below the 20-day average ($31.55); the 12-day EMA shows a peak-and-reversal. Bollinger upper and lower 1x bands at $32.35 and $30.76 place the price near the center of the band, implying limited immediate volatility. Ichimoku components cluster near $30.30–$31.40, which keeps price within the short-term cloud area and supports range-bound bias.
Volatility & Volume: 42-day and 52-week volatility read low (0.02), and recent volume (83,173) trades modestly above short- and medium-term averages, indicating steady participation without extreme spikes.
Fundamental Analysis
Earnings & Profitability: Quarterly EPS came in at $0.91 versus an estimate of $0.79, representing an EPS surprise of 15.19%. Net income totaled $15,037,000 for the period. Return on assets at 0.43% and return on equity at 3.743% exceed the industry peer mean for ROA (0.281%) and ROE (3.588%), respectively, indicating slightly stronger profitability versus regional peers on those measures.
Growth Dynamics: QoQ revenue growth shows a sharp increase of 83.28%, while YoY revenue growth shows a decline of 81.22%; earnings growth shows a 26.39% change but with a QoQ swing of -272.545% and YoY change of -33.013%—these contrasts imply strong sequential momentum following a weak year-over-year base rather than steady underlying expansion.
Valuation Multiples: Price-to-earnings at 32.05 falls below the industry peer mean P/E of 50.18 and median of 52.43. Price-to-book at 1.18868 sits slightly above the industry peer mean book multiple of 1.07727 and near the industry median of 1.05552. PEG at 1.21459 remains below the industry peer mean of 2.00941, while forward P/E of 31.90 also sits below industry peer mean forward-P/E of 40.07. WMDST values the stock as under-valued, supported by P/E measures below peer means and a forward earnings profile that compresses multiples relative to peers.
Balance Sheet & Cash Flow: Cash of $255,505,000 compares to market capitalization of $477,561,165, providing a substantial liquidity buffer. Total assets of $3,606,207,000 and total equity of $401,757,000 produce an asset-to-equity ratio near 8.98. Debt-to-assets at 1.444% and debt-to-equity at 12.959% remain well below the industry peer mean debt-to-assets of 15.989%, indicating conservative leverage. Free cash flow of $18,032,000 yields 3.776% and stands above the industry peer mean free-cash-flow-yield (negative at -6.941%), reinforcing cash generation strength.
Dividends & Capital Allocation: The dividend yield reads 0.415% with dividend payout ratio about 13.174% and dividend coverage roughly 7.59, while the company authorized a $15.0 million repurchase program in mid-March 2026. These measures show ongoing return-of-capital activity alongside a modest yield.
Key Risks Embedded in Fundamentals: QoQ revenue growth contrasts sharply with YoY declines, and free cash growth trends negative year-over-year; these mixed momentum signals warrant monitoring. Cost of debt reads elevated at 28.643%, which compresses net interest margin sensitivity if funding costs rise.
Valuation Summary: WMDST values the stock as under-valued: lower P/E and forward P/E than industry peer means, meaningful cash on the balance sheet, conservative leverage, and positive free-cash-flow yield underpin that view despite mixed top-line trends.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-12-31 |
| REPORT DATE: | 2026-01-26 |
| NEXT REPORT DATE: | 2026-04-27 |
| CASH FLOW | Begin Period Cash Flow | $ 188.9 M |
| Operating Cash Flow | $ 18.5 M | |
| Capital Expenditures | $ -421.00 K | |
| Change In Working Capital | $ 9.5 M | |
| Dividends Paid | $ -1.98 M | |
| Cash Flow Delta | $ 66.7 M | |
| End Period Cash Flow | $ 255.6 M | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 61.6 M | |
| Forward Revenue | $ 15.4 M | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | $ 652.0 K | |
| Depreciation and Amortization | $ 914.0 K | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | $ 68.6 M | |
| Interest Expense | $ 18.4 M | |
| Net Interest Income | $ 50.3 M | |
| Income Before Tax | $ 19.7 M | |
| Tax Provision | $ 4.6 M | |
| Tax Rate | 23.596 % | |
| Net Income | $ 15.0 M | |
| Net Income From Continuing Operations | $ 15.0 M | |
| EARNINGS | ||
| EPS Estimate | $ 0.79 | |
| EPS Actual | $ 0.91 | |
| EPS Difference | $ 0.12 | |
| EPS Surprise | 15.19 % | |
| Forward EPS | $ 0.92 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 3.6 B | |
| Intangible Assets | $ 40.7 M | |
| Net Tangible Assets | $ 361.0 M | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | $ 255.5 M | |
| Net Receivables | $ 16.7 M | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | $ 8.7 M | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | $ 52.1 M | |
| Total Liabilities | $ 3.2 B | |
| EQUITY | ||
| Total Equity | $ 401.8 M | |
| Retained Earnings | $ 292.7 M | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 24.54 | |
| Shares Outstanding | 16.373 M | |
| Revenue Per-Share | $ 3.76 | |
| VALUATION | Market Capitalization | $ 477.6 M |
| Enterprise Value | $ 529.6 M | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | 8.599 | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 8.976 | |
| Asset To Liability | 1.125 | |
| Debt To Capital | 0.115 | |
| Debt To Assets | 0.014 | |
| Debt To Assets QoQ | 43.682 % | |
| Debt To Assets YoY | 35.97 % | |
| Debt To Assets IPRWA | high: 0.235 median: 0.193 mean: 0.16 CBNK: 0.014 low: 0.001 |
|
| Debt To Equity | 0.13 | |
| Debt To Equity QoQ | 50.197 % | |
| Debt To Equity YoY | 35.116 % | |
| Debt To Equity IPRWA | high: 4.28 median: 2.336 mean: 2.09 CBNK: 0.13 low: 0.015 |
|
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 1.189 | |
| Price To Book QoQ | -10.143 % | |
| Price To Book YoY | -8.875 % | |
| Price To Book IPRWA | high: 3.11 CBNK: 1.189 mean: 1.077 median: 1.056 low: 0.002 |
|
| Price To Earnings (P/E) | 32.052 | |
| Price To Earnings QoQ | -26.692 % | |
| Price To Earnings YoY | 6.06 % | |
| Price To Earnings IPRWA | high: 90.392 median: 52.43 mean: 50.183 CBNK: 32.052 low: 11.45 |
|
| PE/G Ratio | 1.215 | |
| Price To Sales (P/S) | 7.754 | |
| Price To Sales QoQ | -7.984 % | |
| Price To Sales YoY | -9.938 % | |
| Price To Sales IPRWA | high: 21.327 CBNK: 7.754 mean: 5.385 median: 4.746 low: 0.008 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 31.899 | |
| Forward PE/G | 1.209 | |
| Forward P/S | 31.172 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.018 | |
| Asset Turnover Ratio QoQ | -3.718 % | |
| Asset Turnover Ratio YoY | -5.627 % | |
| Asset Turnover Ratio IPRWA | high: 0.02 median: 0.018 CBNK: 0.018 mean: 0.014 low: 0.004 |
|
| Receivables Turnover | 3.45 | |
| Receivables Turnover Ratio QoQ | -4.921 % | |
| Receivables Turnover Ratio YoY | -4.698 % | |
| Receivables Turnover Ratio IPRWA | CBNK: 3.45 high: 3.27 mean: 0.397 low: 0.315 median: 0.315 |
|
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | 26.45 | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | — | |
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | -0.007 | |
| CapEx To Depreciation | -0.646 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 453.8 M | |
| Net Invested Capital | $ 453.8 M | |
| Invested Capital | $ 453.8 M | |
| Net Tangible Assets | $ 361.0 M | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 28.643 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | 7.591 | |
| Dividend Payout Ratio | 0.132 | |
| Dividend Rate | $ 0.12 | |
| Dividend Yield | 0.004 | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 6.395 % | |
| Revenue Growth | 3.682 % | |
| Revenue Growth QoQ | 83.275 % | |
| Revenue Growth YoY | -81.219 % | |
| Revenue Growth IPRWA | high: 11.371 % CBNK: 3.682 % mean: 2.881 % median: 1.376 % low: -5.459 % |
|
| Earnings Growth | 26.389 % | |
| Earnings Growth QoQ | -272.545 % | |
| Earnings Growth YoY | -33.013 % | |
| Earnings Growth IPRWA | high: 58.333 % CBNK: 26.389 % mean: 14.762 % median: 12.821 % low: -66.332 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 18.0 M | |
| Free Cash Flow Yield | 3.776 % | |
| Free Cash Flow Yield QoQ | -37.7 % | |
| Free Cash Flow Yield YoY | -26.765 % | |
| Free Cash Flow Yield IPRWA | high: 5.812 % CBNK: 3.776 % mean: -6.941 % median: -7.386 % low: -14.404 % |
|
| Free Cash Growth | -43.03 % | |
| Free Cash Growth QoQ | -94.412 % | |
| Free Cash Growth YoY | -100.327 % | |
| Free Cash Growth IPRWA | high: 220.685 % CBNK: -43.03 % mean: -228.273 % median: -245.234 % low: -417.071 % |
|
| Free Cash To Net Income | 1.199 | |
| Cash Flow Margin | 30.795 % | |
| Cash Flow To Earnings | 1.261 | |
| VALUE & RETURNS | ||
| Economic Value Added | $ 0.06 | |
| Return On Assets (ROA) | 0.43 % | |
| Return On Assets QoQ | -3.371 % | |
| Return On Assets YoY | 64.751 % | |
| Return On Assets IPRWA | high: 0.559 % CBNK: 0.43 % median: 0.328 % mean: 0.281 % low: -0.117 % |
|
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | 0.037 | |
| Return On Equity QoQ | -1.913 % | |
| Return On Equity YoY | 76.473 % | |
| Return On Equity IPRWA | high: 0.058 median: 0.04 CBNK: 0.037 mean: 0.036 low: -0.007 |
|
| DuPont ROE | 3.776 % | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |