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

• Market Cap: $213.66M
• Dividend Yield: N/A
• Average Volume (3M): 5.73K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.87
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 84
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.72
• Shares Outstanding: 3,210,437
• 10 Day Avg. Volume: 3,745
• 30 Day Avg. Volume: 5,729
• 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: 0.97
• Enterprise Value/Revenue: 3.45
• Enterprise Value/Gross Profit: 3.67
• Enterprise Value/Ebitda: 7.60
• 1Y Price Target: $35.50
• Price Target Upside: 9.23% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 3.02
• Revenue Forecast (FY): $53.96M

• Rating: 70 Outperform
• Price Target: $33.00 ▲(1.54% Upside)

Chain Bridge Bancorp, Inc. Class A shows strong financial performance with significant revenue and profit growth, which is the most significant factor in the overall score. The technical analysis indicates a bearish trend, which slightly dampens the score. The valuation suggests the stock is undervalued, providing potential upside. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Revenue Growth

Strong revenue growth indicates effective business strategies and market demand, supporting long-term financial health and expansion.

Profitability

A robust net profit margin reflects efficient operations and cost management, enhancing the company's ability to reinvest and grow.

Capital Ratios

Strong capital ratios indicate financial stability and resilience, providing a buffer against economic uncertainties and supporting growth.

Negative Factors

Balance Sheet Vulnerability

A low equity ratio can expose the company to risks during economic downturns, potentially affecting its financial stability and growth.

Reliance on Financing

Dependence on external financing may limit flexibility and increase risk, especially if market conditions become unfavorable.

Equity Utilization

While minimal debt reduces risk, low equity utilization may limit growth opportunities and expose the company to financial pressures.

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

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	Dec 2019
Income Statement
Total Revenue	60.32M	57.01M	34.27M	30.49M	18.39M
Gross Profit	56.72M	53.11M	30.38M	28.39M	18.39M
EBITDA	27.37M	26.76M	11.40M	10.66M	0.00
Net Income	21.42M	20.95M	8.83M	8.28M	4.89M
Balance Sheet
Total Assets	1.45B	1.40B	1.21B	1.03B	829.79M
Cash, Cash Equivalents and Short-Term Investments	480.88M	769.07M	574.88M	378.26M	0.00
Total Debt	0.00	0.00	5.00M	5.00M	0.00
Total Liabilities	1.29B	1.26B	1.12B	961.90M	772.92M
Stockholders Equity	156.95M	144.25M	83.44M	68.78M	56.87M
Cash Flow
Free Cash Flow	16.35M	21.57M	12.54M	17.25M	0.00
Operating Cash Flow	18.98M	21.80M	12.81M	17.34M	0.00
Investing Cash Flow	-134.85M	-97.28M	46.22M	134.86M	0.00
Financing Cash Flow	5.10M	169.45M	159.07M	-177.42M	0.00

Chain Bridge Bancorp, Inc. Class A Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 32.50
• 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 32.5 is above the 20-day moving average (MA) of 30.79, above the 50-day MA of 31.13, and above the 200-day MA of 27.30, indicating a bullish trend. The MACD of 0.49 indicates Negative momentum. The RSI at 68.17 is Neutral, neither overbought nor oversold. The STOCH value of 97.08 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
HWBK	73 Outperform	$234.73M	10.66	14.27%	2.55%	0.16%	258.06%
CBNA	70 Outperform	$213.66M	11.38	13.91%	―	―	―
LCNB	70 Outperform	$222.02M	9.40	8.97%	5.47%	5.07%	228.39%
BPRN	70 Outperform	$216.81M	12.50	6.73%	3.68%	12.92%	56.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
OPBK	67 Neutral	$199.62M	8.53	10.99%	3.57%	9.10%	12.36%
FCCO	65 Neutral	$221.16M	12.02	12.21%	2.16%	11.59%	42.03%

Chain Bridge Bancorp, Inc. Class A Corporate Events

Chain Bridge Bancorp Releases Investor Presentation

Chain Bridge Bancorp, Inc. has released an investor presentation containing financial data for meetings with investors and analysts. The presentation includes forward-looking statements about the company’s strategies, future operations, and market conditions, highlighting potential risks and uncertainties affecting its business and financial performance.

The most recent analyst rating on (CBNA) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on Chain Bridge Bancorp, Inc. Class A stock, see the CBNA Stock Forecast page.