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Chain Bridge Bancorp, Inc. Class A (CBNA)
NYSE:CBNA
US Market

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

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CB

Chain Bridge Bancorp, Inc. Class A

(NYSE:CBNA)

Rating:80Outperform
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 (CBNA) vs. SPDR S&P 500 ETF (SPY)

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

Company DescriptionChain 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 MoneyChain Bridge Bancorp, Inc. generates revenue through various banking activities primarily conducted by its subsidiary, Chain Bridge Bank, N.A. The company earns money by collecting interest on loans extended to individuals and businesses, which constitutes a significant portion of its income. Additionally, the bank generates revenue from interest and fees on deposit accounts, such as checking and savings accounts. Chain Bridge Bancorp also earns non-interest income through treasury management services, payment processing fees, and other banking-related services. The company's earnings are further supported by prudent risk management practices and maintaining strong customer relationships.

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
85
Very Positive
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
78
Positive
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
80
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022
Income Statement
Total Revenue60.90M57.01M34.27M30.49M
Gross Profit56.87M52.95M30.38M28.39M
EBITDA28.90M26.76M11.40M10.66M
Net Income22.64M20.95M8.83M8.28M
Balance Sheet
Total Assets1.73B1.40B1.21B1.03B
Cash, Cash Equivalents and Short-Term Investments1.11B769.07M574.88M378.26M
Total Debt0.000.005.00M5.00M
Total Liabilities1.58B1.26B1.12B961.90M
Stockholders Equity151.50M144.25M83.44M68.78M
Cash Flow
Free Cash Flow19.58M21.57M12.54M17.25M
Operating Cash Flow21.43M21.80M12.81M17.34M
Investing Cash Flow-202.69M-97.28M46.22M134.86M
Financing Cash Flow464.17M169.45M159.07M-177.42M

Chain Bridge Bancorp, Inc. Class A Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
81
Outperform
$209.67M9.9510.40%3.40%12.67%0.95%
80
Outperform
$174.54M7.6318.94%
77
Outperform
$220.82M10.219.12%1.96%6.42%24.08%
73
Outperform
$197.88M12.9710.83%2.33%19.34%38.80%
67
Neutral
¥722.93B10.857.44%3.36%7.82%15.26%
60
Neutral
$189.88M21.895.66%4.89%16.35%-39.77%
50
Neutral
$158.41M61.041.40%6.93%-5.71%-90.24%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CBNA
Chain Bridge Bancorp, Inc. Class A
26.60
5.85
28.19%
BCBP
BCB Bancorp
9.23
-0.31
-3.25%
FCCO
First Community
25.76
9.64
59.80%
NKSH
National Bankshares
29.84
3.13
11.72%
ISTR
Investar Holding
22.43
7.33
48.54%
OPBK
OP Bancorp
14.12
4.90
53.15%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Apr 12, 2025