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

• Market Cap: $193.37M
• Dividend Yield: N/A
• Average Volume (3M): 8.17K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.91
• 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: 3,151,496
• 10 Day Avg. Volume: 9,576
• 30 Day Avg. Volume: 8,169
• 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: 1.08
• Enterprise Value/Revenue: 3.45
• Enterprise Value/Gross Profit: 3.67
• Enterprise Value/Ebitda: 7.60
• 1Y Price Target: $35.50
• Price Target Upside: 19.97% 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 ▲(11.52% 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.

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

Company Description

Chain Bridge Bancorp, Inc. Class A (CBNA) is a financial holding company based in the United States, primarily engaged in the provision of banking and financial services through its subsidiary, Chain Bridge Bank. The company operates within the commercial banking sector, offering a range of products including personal banking, commercial lending, mortgage services, and wealth management. CBNA focuses on serving individuals, small businesses, and commercial clients, with an emphasis on building strong customer relationships and community involvement.

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
Income Statement
Total Revenue	60.29M	53.11M	34.27M	30.49M
Gross Profit	56.72M	52.95M	30.38M	28.39M
EBITDA	27.37M	26.76M	11.40M	10.66M
Net Income	21.42M	20.95M	8.83M	8.28M
Balance Sheet
Total Assets	1.45B	1.40B	1.21B	1.03B
Cash, Cash Equivalents and Short-Term Investments	480.88M	769.07M	574.88M	378.26M
Total Debt	0.00	5.30M	5.00M	5.00M
Total Liabilities	1.29B	1.26B	1.12B	961.90M
Stockholders Equity	156.95M	144.25M	83.44M	68.78M
Cash Flow
Free Cash Flow	16.35M	21.57M	12.54M	17.25M
Operating Cash Flow	18.98M	21.80M	12.81M	17.34M
Investing Cash Flow	-134.85M	-97.28M	46.22M	134.86M
Financing Cash Flow	5.10M	169.45M	159.07M	-177.42M

Chain Bridge Bancorp, Inc. Class A Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 29.59
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBNA, the sentiment is Negative. The current price of 29.59 is below the 20-day moving average (MA) of 30.34, below the 50-day MA of 31.19, and above the 200-day MA of 26.82, indicating a neutral trend. The MACD of -0.43 indicates Positive momentum. The RSI at 43.22 is Neutral, neither overbought nor oversold. The STOCH value of 36.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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
LCNB	72 Outperform	$220.60M	9.34	8.97%	5.68%	5.07%	228.39%
CBNA	70 Outperform	$193.37M	10.36	13.91%	―	―	―
BPRN	70 Outperform	$216.81M	12.50	6.73%	3.74%	12.92%	56.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
OPBK	67 Neutral	$195.00M	8.34	10.99%	3.64%	9.10%	12.36%
FCCO	65 Neutral	$209.70M	11.40	12.21%	2.26%	11.59%	42.03%
HWBK	64 Neutral	$213.83M	9.71	14.27%	2.55%	0.16%	258.06%

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.