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Chain Bridge Bancorp, Inc. Class A (CBNA)
:CBNA
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Chain Bridge Bancorp, Inc. Class A
(NYSE:CBNA)
Rating:80Outperform
Price Target:―
Chain Bridge Bancorp, Inc. Class A (CBNA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$177.43M
Dividend YieldN/A
Average Volume (3M)15.07K
Price to Earnings (P/E)7.8
Beta (1Y)0.90
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees84
SectorFinancial
Sector Strength81
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.49
Shares Outstanding3,119,317
10 Day Avg. Volume16,535
30 Day Avg. Volume15,069
Financial Highlights & Ratios
PEG Ratio0.56
Price to Book (P/B)1.12
Price to Sales (P/S)0.00
P/FCF Ratio7.88
Enterprise Value/Market Cap0.91
Enterprise Value/Revenue1.05
Enterprise Value/Gross Profit3.06
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$29.00Price Target Upside6.15% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
Chain Bridge Bancorp, Inc. Class A Business Overview & Revenue Model
Company DescriptionChain Bridge Bancorp, Inc. Class A (CBNA) is a financial holding company operating within the banking sector. It primarily serves the Washington, D.C. metropolitan area, providing a wide range of financial services through its subsidiary, Chain Bridge Bank, N.A. The bank offers personal and business banking solutions, including deposit products, loan programs, and treasury management services. Chain Bridge Bancorp focuses on delivering personalized financial services to individuals, businesses, and non-profit organizations.
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
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.85
Very Positive
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.78
Positive
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.80
Positive
| Breakdown | ||
| Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|
| Income Statement | Total Revenue | |
| 52.95M | 31.02M | 29.21M | Gross Profit |
| 52.95M | 31.02M | 29.21M | EBIT |
| 0.00 | 0.00 | 0.00 | EBITDA |
| 0.00 | 0.00 | 0.00 | Net Income Common Stockholders |
| 20.95M | 8.83M | 8.28M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |
| 769.07M | 574.88M | 378.26M | Total Assets |
| 1.40B | 1.21B | 1.03B | Total Debt |
| 0.00 | 5.00M | 5.00M | Net Debt |
| -410.74M | -311.77M | -93.66M | Total Liabilities |
| 1.26B | 1.12B | 961.90M | Stockholders Equity |
| 144.25M | 83.44M | 68.78M |
| Cash Flow | Free Cash Flow | |
| 21.57M | 12.54M | 17.25M | Operating Cash Flow |
| 21.80M | 12.81M | 17.34M | Investing Cash Flow |
| -97.28M | 46.22M | 134.86M | Financing Cash Flow |
| 169.45M | 159.07M | -177.42M |
Chain Bridge Bancorp, Inc. Class A Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $177.43M | 7.75 | 18.94% | ― | ― | ― | |
74 Outperform | $190.50M | 8.81 | 9.12% | 2.20% | 6.42% | 24.08% | |
72 Outperform | $180.52M | 11.83 | 10.83% | 2.49% | 19.34% | 38.80% | |
69 Neutral | $189.40M | 8.99 | 10.40% | 3.74% | 12.70% | 1.31% | |
65 Neutral | $137.13M | 52.84 | 1.40% | 7.94% | -5.71% | -90.24% | |
64 Neutral | $12.66B | 9.79 | 7.67% | 17015.07% | 12.23% | -6.06% | |
60 Neutral | $168.57M | 19.44 | 5.66% | 5.81% | 16.35% | -39.77% |
* Financial Sector Average
Performance Comparison
CBNA
Chain Bridge Bancorp, Inc. Class A
27.04
6.29
30.31%
BCBP
BCB Bancorp
7.99
-1.65
-17.12%
FCCO
First Community
23.50
6.66
39.55%
NKSH
National Bankshares
25.97
-3.89
-13.03%
ISTR
Investar Holding
18.62
3.08
19.82%
OPBK
OP Bancorp
12.76
3.47
37.35%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
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.