A Business at a Glance
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CHAIN BRIDGE BANCORP INC
CBNA
$277M
Mkt Cap
$42.23
+2.45%
CHAIN BRIDGE BANCORP INC (CBNA) has a current P/E ratio of 15.8, compared to its historical median P/E of 5.8. The stock is currently considered Expensive based on its historical valuation range.
CHAIN BRIDGE BANCORP INC (CBNA) has a 5-year average return on invested capital (ROIC) of 14.3%. This indicates solid capital allocation.
CHAIN BRIDGE BANCORP INC (CBNA) has a market capitalization of $277M. It is classified as a small-cap stock.
CHAIN BRIDGE BANCORP INC (CBNA) does not currently pay a regular dividend.
Based on historical P/E analysis, CHAIN BRIDGE BANCORP INC (CBNA) appears expensive. The current P/E of 15.8 is 172% above its historical median of 5.8. The estimated fair value CAGR (P/E method) is -11.7%.
CHAIN BRIDGE BANCORP INC (CBNA) operates in the National Commercial Banks industry, within the Financials sector.
CHAIN BRIDGE BANCORP INC (CBNA) reported annual revenue of $59 million in its most recent fiscal year, based on SEC EDGAR filings.
Our Company Chain Bridge Bancorp, Inc. is a Delaware-chartered bank holding company and the parent of its wholly-owned subsidiary, Chain Bridge Bank, N.A., a nationally chartered commercial bank with fiduciary powers granted by the OCC. The Company was incorporated on May 26, 2006, and the Bank opened on August 6, 2007. The Company conducts substantially all of its operations through the Bank and has no other subsidiaries. We offer a range of commercial and personal banking services, including deposits, treasury management, payments, loans, commercial lending, residential mortgage financing, consumer loans, trusts and estate administration, wealth management, and asset custody. Our mission is to deliver exceptional banking and trust services nationwide, blending financial strength, personalized service, and advanced technology to offer tailored solutions to businesses, non-profit organizations, political organizations, individuals, and families.
| Metric | TTM | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| Revenue | 59M | 59M | 57M | 35M |
| Net Income | 20M | 20M | 21M | 8.8M |
| EPS | $3.08 | $3.08 | $4.17 | $1.93 |
| Free Cash Flow | 11M | 11M | 22M | 13M |
| ROIC | 1.2% | 12.9% | 18.4% | 11.6% |
| Gross Margin | 0.0% | 0.0% | 93.9% | 87.7% |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.06 |
| Dividends/Share | $0.00 | $0.00 | - | - |
| Operating Income | 25M | 25M | 26M | 11M |
| Operating Margin | 42.8% | 42.8% | 46.4% | 31.1% |
| ROE | 12.0% | 12.9% | 18.4% | 11.6% |
| Shares Outstanding | 7M | 7M | 5M | 5M |
| Metric | ||||
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | 35M | 57M | 59M | 59M |
| Gross Margin | 87.7% | 93.9% | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A |
| SG&A | 12M | 16M | 18M | 18M |
| EBIT | 11M | 26M | 25M | 25M |
| Op. Margin | 31.1% | 46.4% | 42.8% | 42.8% |
| Net Income | 8.8M | 21M | 20M | 20M |
| Net Margin | 25.2% | 37.0% | 34.1% | 34.1% |
| Non-Recurring | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||
| ROIC | 11.6% | 18.4% | 12.9% | 1.2% |
| ROE | 11.6% | 18.4% | 12.9% | 12.0% |
| ROA | 0.7% | 1.6% | 1.3% | 1.2% |
| Cash Flow | ||||
| Op. Cash Flow | 13M | 22M | 16M | 16M |
| Free Cash Flow | 13M | 22M | 11M | 11M |
| Owner Earnings | 12M | 21M | 15M | 15M |
| CapEx | 269K | 223K | 4.1M | 4.1M |
| Maint. CapEx | 491K | 494K | 470K | 470K |
| Growth CapEx | 0 | 0 | 3.6M | 3.6M |
| D&A | 491K | 494K | 470K | 470K |
| CapEx/OCF | N/A | 1.0% | N/A | 26.4% |
| Capital Allocation | ||||
| Dividends Paid | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 5.0M | 0 | 0 |
| Balance Sheet | ||||
| Net Debt | -312M | -411M | -587M | -587M |
| Cash & Equiv. | 317M | 411M | 587M | 587M |
| Long-Term Debt | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.06 | 0.00 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | 0.0 | 5.9 |
| Equity | 83M | 144M | 169M | 169M |
| Total Assets | 1.2B | 1.4B | 1.8B | 1.8B |
| Total Liabilities | 1.1B | 1.3B | 1.6B | 1.6B |
| Intangibles | N/A | N/A | 0 | 0 |
| Retained Earnings | 57M | 78M | 98M | 98M |
| Working Capital | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | 0 | 0 |
| Per Share Data | ||||
| EPS | 1.93 | 4.17 | 3.08 | 3.08 |
| Owner EPS | 2.69 | 4.24 | 2.30 | 2.30 |
| Book Value | 18.24 | 28.71 | 25.75 | 25.75 |
| Cash Flow/Share | 2.80 | 4.34 | 2.37 | 3.15 |
| Dividends/Share | N/A | N/A | 0.00 | 0.00 |
| Shares Out. | 4.6M | 5.0M | 6.6M | 6.6M |
| Valuation | ||||
| P/E Ratio | N/A | 5.8 | N/A | 13.7 |
| P/FCF | N/A | 5.6 | N/A | 24.2 |
| EV/EBIT | N/A | N/A | N/A | -12.2 |
| Price/Book | N/A | 0.8 | N/A | 1.6 |
| Price/Sales | N/A | 2.2 | N/A | 4.7 |
| FCF Yield | N/A | 17.7% | N/A | 4.1% |
| Market Cap | N/A | 122M | 0 | 277M |
| Avg. Price | N/A | 23.54 | 0.00 | 42.23 |
| Year-End Price | N/A | 24.22 | 0.00 | 42.23 |
CHAIN BRIDGE BANCORP INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
CHAIN BRIDGE BANCORP INC trades at 15.8x trailing earnings, compared to its 15-year median P/E of 5.8x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 12.8x vs a median of 5.6x. The company's 5-year average ROIC is 14.3% with a gross margin of 60.6%. At current prices, the estimated annualized return to fair value is -6.1%.
CHAIN BRIDGE BANCORP INC (CBNA) has a net profit margin of 34.1%. This is a strong margin indicating high profitability.
CHAIN BRIDGE BANCORP INC (CBNA) generated $11 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CHAIN BRIDGE BANCORP INC (CBNA) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
CHAIN BRIDGE BANCORP INC (CBNA) reported earnings per share (EPS) of $3.08 in its most recent fiscal year.
CHAIN BRIDGE BANCORP INC (CBNA) has a return on equity (ROE) of 12.9%. This indicates moderate shareholder returns.
CHAIN BRIDGE BANCORP INC (CBNA) has a 5-year average gross margin of 60.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 3 years of financial data for CHAIN BRIDGE BANCORP INC (CBNA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CHAIN BRIDGE BANCORP INC (CBNA) has a book value per share of $25.75, based on its most recent annual SEC filing.
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