Chain Bridge Bancorp, Inc. Class A (CBNA) AI Stock Analysis

• Market Cap: $178.08M
• Dividend Yield: N/A
• Average Volume (3M): 12.51K
• Price to Earnings (P/E): 8.3
• Beta (1Y): 0.95
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 84
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 0.70
• Shares Outstanding: 3,119,317
• 10 Day Avg. Volume: 17,273
• 30 Day Avg. Volume: 12,507
• PEG Ratio: 0.03
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 2.37
• P/FCF Ratio: 5.84
• Enterprise Value/Market Cap: 0.88
• Enterprise Value/Revenue: 2.59
• Enterprise Value/Gross Profit: 2.76
• Enterprise Value/Ebitda: 5.45
• 1Y Price Target: $29.00
• Price Target Upside: 6.38% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 80 Outperform
• Price Target: ―

Chain Bridge Bancorp, Inc. Class A demonstrates strong financial health with substantial revenue and profit growth, efficient equity utilization, and robust cash flow generation. The stock's attractive valuation further bolsters its appeal, despite some weaknesses in technical momentum indicators. Overall, CBNA is well-positioned within the regional banking sector, with a stable financial position and potential for growth.

Chain Bridge Bancorp, Inc. Class A Business Overview & Revenue Model

Company Description

Chain Bridge Bancorp, Inc. operates as a Delaware-chartered bank holding company for Chain Bridge Bank, National Association that provides commercial and personal banking, and trust services in the United States. Its deposit products include non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts. The company's loan portfolio comprises of residential and commercial real estate loans, commercial loans, and consumer loans. It also provides treasury management, payments, trusts and estate administration, wealth management, and asset custody services. The company was incorporated in 2006 and is headquartered in McLean, Virginia.

How the Company Makes Money

Chain Bridge Bancorp generates revenue primarily through interest income and non-interest income. Interest income is derived from the interest earned on loans issued to customers, including commercial loans, residential mortgages, and consumer loans. Additionally, the bank earns interest from investment securities. Non-interest income includes fees from various banking services, such as account maintenance fees, transaction fees, and service charges. The company may also benefit from wealth management fees for investment advisory services. Significant partnerships with local businesses and community organizations enhance its customer base, contributing to overall earnings. Furthermore, effective management of interest rate risks and loan defaults are critical factors influencing the bank's profitability.

Chain Bridge Bancorp, Inc. Class A Financial Statement Overview

Summary

Overall, Chain Bridge Bancorp, Inc. Class A exhibits strong financial health with substantial revenue and profit growth, efficient equity utilization, and robust cash flow generation. Despite some balance sheet weaknesses, the company's financial position is stable with minimal leverage, aligning well with the stability expected in the regional banking industry.

Income Statement

The income statement shows a significant revenue growth of 70.6% from 2023 to 2024, accompanied by a robust net profit margin of 39.6% in 2024. While EBIT and EBITDA are not available, the net income growth indicates strong profitability.

Balance Sheet

The balance sheet reflects a solid equity position with an equity ratio of 10.3% for 2024. The absence of debt in 2024 reduces financial risk, while a high return on equity of 14.5% showcases efficient use of shareholders' equity. However, the relatively low equity ratio suggests potential vulnerability to financial fluctuations.

Cash Flow

The cash flow statement demonstrates a strong free cash flow growth of 72% from 2023 to 2024. The operating cash flow to net income ratio is 1.04, indicating healthy cash generation relative to profits. However, the reliance on financing activities for cash inflow could pose risks if market conditions change.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022
Income Statement
Total Revenue	60.90M	53.11M	34.27M	30.49M
Gross Profit	56.99M	52.95M	30.38M	28.39M
EBITDA	28.90M	26.76M	11.40M	10.66M
Net Income	22.64M	20.95M	8.83M	8.28M
Balance Sheet
Total Assets	1.73B	1.40B	1.21B	1.03B
Cash, Cash Equivalents and Short-Term Investments	1.11B	769.07M	574.88M	378.26M
Total Debt	0.00	5.30M	5.00M	5.00M
Total Liabilities	1.58B	1.26B	1.12B	961.90M
Stockholders Equity	151.50M	144.25M	83.44M	68.78M
Cash Flow
Free Cash Flow	19.58M	21.57M	12.54M	17.25M
Operating Cash Flow	21.43M	21.80M	12.81M	17.34M
Investing Cash Flow	-202.69M	-97.28M	46.22M	134.86M
Financing Cash Flow	464.17M	169.45M	159.07M	-177.42M

Chain Bridge Bancorp, Inc. Class A Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 27.26
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBNA, the sentiment is Positive. The current price of 27.26 is above the 20-day moving average (MA) of 26.89, above the 50-day MA of 26.26, and above the 200-day MA of 24.93, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 60.25 is Neutral, neither overbought nor oversold. The STOCH value of 88.30 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBNA.

Chain Bridge Bancorp, Inc. Class A Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBNA	80 Outperform	$178.08M	8.31	17.07%	―	―	―
FCCO	78 Outperform	$197.99M	11.57	11.85%	2.36%	16.07%	57.29%
ISTR	77 Outperform	$216.31M	9.84	9.16%	1.91%	3.25%	47.03%
OPBK	76 Outperform	$204.23M	9.25	10.74%	3.51%	11.05%	8.18%
BCBP	66 Neutral	$143.92M	43.75	1.63%	7.47%	-5.18%	-83.93%
Sector *	62 Neutral	C$15.86B	7.01	15.47%	5.98%	22.12%	-7.26%
NKSH	60 Neutral	$180.08M	15.96	7.10%	5.26%	15.17%	14.41%

Chain Bridge Bancorp, Inc. Class A Corporate Events

Chain Bridge Bancorp Elects Directors at Annual Meeting

On June 18, 2025, Chain Bridge Bancorp, Inc. held its 2025 Annual Meeting of Stockholders, where all thirteen director nominees were elected to serve until the 2026 Annual Meeting. Additionally, the stockholders ratified the appointment of Yount, Hyde & Barbour, P.C. as the independent registered public accounting firm for the fiscal year ending December 31, 2025.