CBNK
Capital Bancorp, Inc.
CBNK offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CBNK overall, supported by stronger valuation and stronger modeled upside.
CBNK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CBNK's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBNK.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
CBNK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.8x | $25.86 | -38% |
| Fair | 9.1x | $30.16 | -28% |
| Forward | 11x | $41.97 | — |
| Expensive | 12x | $38.55 | -8.1% |
| Current | 13x | $41.97 | — |
Historical ranges are pointers, not guarantees.
CBNK has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CBNK Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
CBNK has the edge over GS on the outlook, with more favorable valuation expectations.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
CBNK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.81 | +15% |
| Q3 2026 | $3.32 | +13% |
| Q2 2026 | $3.41 | +28% |
| Q1 2026 | $3.32 | +34% |
| Q4 2025 | $3.41 | +61% |
| Q3 2025 | $2.93 | +26% |
| Q2 2025 | $2.66 | +10% |
| Q1 2025 | $2.47 | +5.6% |
| Q4 2024 | $2.12 | -17% |
CBNK earned $3.32 per share over the past year, up 13% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CBNK on earnings, with more consistent year-over-year improvement.
CBNK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $68.1M | +8% |
| Q2 2026 | $65.3M | +7.5% |
| Q1 2026 | $62.8M | +7.1% |
| Q4 2025 | $62.7M | +12% |
| Q3 2025 | $63.1M | +40% |
| Q2 2025 | $60.8M | +38% |
| Q1 2025 | $58.6M | +43% |
| Q4 2024 | $56.2M | +38% |
CBNK has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 26% | +27 points |
| Q2 2026 | 28% | +30 points |
| Q1 2026 | 25% | +27 points |
| Q4 2025 | 31% | +33 points |
| Q3 2025 | -1.5% | +0.8 points |
| Q2 2025 | -1.5% | +0.2 points |
| Q1 2025 | -1.5% | +0.7 points |
| Q4 2024 | -1.8% | -29 points |
CBNK's operating margin was 26% last quarter, up 27 points from the same quarter a year ago.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over CBNK on profitability, with a higher operating margin.
CBNK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $35.4M | +7.7% |
| Q2 2026 | -$5M | -$819K |
| Q1 2026 | $21.8M | -3.6% |
| Q4 2025 | $18.5M | -29% |
| Q3 2025 | $32.9M | +$33.4M |
| Q2 2025 | -$4.2M | -133% |
| Q1 2025 | $22.6M | +$26M |
| Q4 2024 | $25.9M | +318% |
CBNK has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
CBNK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.7% | +109K shares |
| 1 year | -2.1% | -362K shares |
| 3 years | +18% | +2.5M shares |
| 5 years | +16% | +2.3M shares |
| Available history | +18% | +2.5M shares |
CBNK has 16M diluted shares, down 2.1% from a year ago, with $12M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $36,000 |
| Q1 2026 | $3.6M |
| Q4 2025 | $8.6M |
| Q3 2025 | $312,000 |
| Q2 2025 | $2.9M |
| Q1 2025 | $618,000 |
| Q4 2024 | — |
CBNK spent $12M buying back its own shares over the past year, about three times what it spent the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CBNK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
CBNK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.2x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.5x | Net Cash |
| Q4 2025 | -1.5x | Net Cash |
| Q3 2024 | -1.3x | Net Cash |
| Q2 2024 | -0.3x | Net Cash |
| Q1 2024 | -0.0x | Net Cash |
| Q4 2023 | 0.3x | Very low |
CBNK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CBNK.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over CBNK on leverage, with a lower net debt burden relative to earnings.
CBNK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 69.7 | Neutral |
| Stochastic | 78.3 | Neutral |
CBNK's weekly RSI is 70 (neutral) and its Stochastic is 78 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CBNK PE vs Financial Services Sector
| Metric | CBNK | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.9% below |
| PE % | 90 | 63 | 27 pts above |
CBNK has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
CBNK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $40.3 | 4.3% above |
| 20 week MA | $38.0 | 11% above |
| 50 week MA | $33.6 | 25% above |
| 100 week MA | $32.1 | 31% above |
| 200 week MA | $26.7 | 57% above |
CBNK has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
CBNK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.7 | $13.6 | -7.2% |
| 2021 | $13.6 | $26.1 | +91% |
| 2022 | $26.1 | $23.7 | -9.3% |
| 2023 | $23.7 | $24.2 | +2.3% |
| 2024 | $24.2 | $28.6 | +18% |
| 2025 | $28.6 | $28.5 | -0.4% |
| 2026 YTD | $28.5 | $42.0 | +47% |
CBNK has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.