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

• Market Cap: $228.90M
• Dividend Yield: N/A
• Average Volume (3M): 5.61K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.81
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 84
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.81
• Shares Outstanding: 3,210,437
• 10 Day Avg. Volume: 9,578
• 30 Day Avg. Volume: 5,608
• PEG Ratio: 0.03
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 2.21
• P/FCF Ratio: 5.84
• Enterprise Value/Market Cap: -0.97
• Enterprise Value/Revenue: -3.90
• Enterprise Value/Gross Profit: -4.17
• Enterprise Value/Ebitda: -9.29
• 1Y Price Target: $39.00
• Price Target Upside: 10.48% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: $42.00 ▲(18.98% Upside)
• Action: Reiterated Date: 01/14/26
• Date: Action: Reiterated 01/14/26

The score is driven primarily by strong financial performance—especially a very conservative balance sheet and solid profitability—partly offset by weakening TTM revenue and a sharp decline in free cash flow. Technicals are mixed with soft near-term momentum, while valuation looks reasonable based on the provided P/E.

Positive Factors

Conservative balance sheet

Zero reported debt and materially higher equity (from ~$68.8M in 2022 to ~$163.1M TTM) provide durable financial flexibility. This reduces refinancing and interest-rate risk, supports lending capacity and capital returns, and improves resilience in economic downturns.

Strong profitability

Sustainably healthy operating and net margins, together with reported ROE in the mid-teens range, indicate persistent earnings power. Robust margins give the bank room to absorb revenue volatility and fund loan loss reserves, aiding long-term capital generation.

Consistent positive cash generation

Historically close alignment of free cash flow with net income and consistently positive operating cash flow support reliable internal funding for growth, dividends or capital needs. This structural cash conversion underpins durable financial flexibility.

Negative Factors

Top-line weakness

A persistent decline in revenue reduces the base for future profit growth and can compress operating leverage. If the ~5.7% TTM revenue decline continues, the bank may face pressure to restore loan or fee growth, which could weigh on sustainable earnings.

Free cash flow decline

A ~35% drop in trailing free cash flow signals meaningful cash conversion volatility. Lower FCF constrains durable capacity to fund dividends, organic growth, or opportunistic investments and raises sensitivity to working capital swings or one-time items.

Limited scale and liquidity

Small headcount and low average trading volume imply limited scale and market liquidity. Structural scale limits can raise per-unit costs, constrain product diversification and geographic reach, and make the franchise more vulnerable to idiosyncratic local credit or deposit shocks.

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 financial quality is strong, supported by very conservative leverage (zero debt in 2024/TTM) and solid profitability. Offsetting this, TTM revenue declined (~5.7%) and free cash flow fell sharply (~35%) versus the prior year, signaling softer near-term momentum.

Income Statement

Profitability is strong for a regional bank, with very high gross profit and healthy operating and net margins across periods. Results improved meaningfully from 2023 to 2024 as revenue and earnings stepped up, but momentum cooled in TTM (Trailing-Twelve-Months) with revenue down ~5.7% and margins slipping versus 2024. Overall, earnings power looks solid, but the recent top-line decline is a clear near-term watch item.

Balance Sheet

Balance sheet leverage appears very conservative, with total debt at zero in 2024 and TTM (Trailing-Twelve-Months) and low leverage even in earlier years. Equity has grown materially (from ~$68.8M in 2022 to ~$163.1M in TTM), supporting a larger asset base. Returns on equity are healthy (roughly 12–15% in 2024/TTM), though slightly below the 2024 level in TTM.

Cash Flow

Cash generation is positive, with operating cash flow and free cash flow consistently positive and free cash flow generally tracking net income well (near 1.0 in 2022–2024, moderating to ~0.78 in TTM). However, TTM (Trailing-Twelve-Months) free cash flow fell sharply (~35%) versus the prior year, and operating cash flow is lower in TTM than 2024, suggesting softer cash conversion and/or more variability in working capital and cash timing.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2019	Dec 2018
Income Statement
Total Revenue	56.88M	57.01M	34.27M	30.49M	18.39M	17.80M
Gross Profit	53.09M	53.11M	30.38M	28.39M	18.39M	17.80M
EBITDA	23.85M	26.76M	11.40M	10.66M	0.00	0.00
Net Income	18.63M	20.95M	8.83M	8.28M	4.89M	5.07M
Balance Sheet
Total Assets	1.53B	1.40B	1.21B	1.03B	829.79M	547.09M
Cash, Cash Equivalents and Short-Term Investments	671.26M	769.07M	574.88M	378.26M	0.00	0.00
Total Debt	0.00	0.00	5.00M	5.00M	0.00	39.30M
Total Liabilities	1.37B	1.26B	1.12B	961.90M	772.92M	500.51M
Stockholders Equity	163.10M	144.25M	83.44M	68.78M	56.87M	46.58M
Cash Flow
Free Cash Flow	10.59M	21.57M	12.54M	17.25M	0.00	0.00
Operating Cash Flow	13.52M	21.80M	12.81M	17.34M	0.00	0.00
Investing Cash Flow	-214.80M	-97.28M	46.22M	134.86M	0.00	0.00
Financing Cash Flow	-42.80M	169.45M	159.07M	-177.42M	0.00	0.00

Chain Bridge Bancorp, Inc. Class A Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 35.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 35.3 is below the 20-day moving average (MA) of 35.37, above the 50-day MA of 35.07, and above the 200-day MA of 30.32, indicating a bullish trend. The MACD of 0.31 indicates Positive momentum. The RSI at 53.55 is Neutral, neither overbought nor oversold. The STOCH value of 17.61 is Positive, 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
LCNB	73 Outperform	$246.28M	10.65	8.97%	5.32%	5.07%	228.39%
BPRN	72 Outperform	$242.11M	13.21	6.73%	3.50%	12.92%	56.52%
CBNA	70 Outperform	$228.90M	11.45	13.91%	―	―	―
OPBK	70 Outperform	$207.65M	8.11	10.99%	3.32%	9.10%	12.36%
HWBK	69 Neutral	$233.55M	9.87	14.27%	2.39%	0.16%	258.06%
FCCO	68 Neutral	$231.54M	12.19	30.46%	2.07%	11.59%	42.03%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Chain Bridge Bancorp, Inc. Class A Corporate Events

Chain Bridge Bancorp Announces Board Succession and New Director

On December 31, 2025, Chain Bridge Bancorp, Inc. Class A and its banking subsidiary’s boards appointed William C. Leavitt, 41, as a director effective January 1, 2026, succeeding his father, retiring director Paul W. Leavitt, whose retirement took effect December 31, 2025. William Leavitt, a seasoned legal and corporate governance executive who has held senior roles at J.J. Taylor Companies, Inc. and Renuity, LLC and previously practiced capital markets and banking law at Skadden, will serve on the boards until the 2026 annual meeting, receive the standard non‑employee director compensation on a prorated basis, and joins without any special selection arrangements or reportable related‑party transactions beyond his familial relationship to the outgoing director, signaling continuity in board succession and governance practices.

The most recent analyst rating on (CBNA) stock is a Hold with a $34.00 price target. To see the full list of analyst forecasts on Chain Bridge Bancorp, Inc. Class A stock, see the CBNA Stock Forecast page.

Chain Bridge Bancorp Director Paul Leavitt Retires

Chain Bridge Bancorp, Inc. announced the retirement of Director Paul W. Leavitt, effective December 31, 2025, due to the company’s mandatory retirement age policy. Leavitt, who has been with the company since 2016, chose to retire at year-end to aid in board succession planning, and his departure is not due to any disagreements with the company or its management.

The most recent analyst rating on (CBNA) stock is a Hold with a $34.00 price target. To see the full list of analyst forecasts on Chain Bridge Bancorp, Inc. Class A stock, see the CBNA Stock Forecast page.

Chain Bridge Bancorp Releases Investor Presentation

Chain Bridge Bancorp, Inc. has released an investor presentation that provides financial data to aid in understanding the company’s operations. The presentation, which is part of a Current Report on Form 8-K, is not filed for purposes of the Securities Exchange Act of 1934. The company emphasizes caution regarding forward-looking statements due to inherent risks and uncertainties that could impact future results.

The most recent analyst rating on (CBNA) stock is a Hold with a $34.00 price target. To see the full list of analyst forecasts on Chain Bridge Bancorp, Inc. Class A stock, see the CBNA Stock Forecast page.