Chain Bridge Bancorp, Inc. (CBNA) 10-Year Financial Performance & Capital Metrics

CBNA • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutChain 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.Show more

Net Interest Income $44M +59.9%
Total Revenue $57M +66.4%
Net Income $21M +137.2%
Return on Equity 18.4% +58.6%
Net Interest Margin 3.17% +37.6%
Efficiency Ratio 47.09% -17.2%
ROA 1.61% +103.5%
Equity / Assets 10.3% +48.7%
Book Value per Share 28.72 +121.0%
Tangible BV/Share 28.72 +121.0%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 51.9%
✓Strong Piotroski F-Score: 8/9
✓Efficient operations: 47.1% efficiency ratio
✓Well capitalized: 10.3% equity/assets
✓Share count reduced 21.8% through buybacks
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y30.98%

3Y45.82%

TTM-

Profit (Net Income) CAGR

10Y-

5Y51.87%

3Y62.45%

TTM-

EPS CAGR

10Y-

5Y40.93%

3Y50.23%

TTM-

ROCE

10Y Avg8.14%

5Y Avg10.39%

3Y Avg16.5%

Latest21.96%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	0	0	0	0	26.1M	27.74M	44.37M
NII Growth %	-	-	-	-	-	-	0.06%	0.6%
Net Interest Margin %	-	-	-	-	-	-	-	-
Interest Income	0	0	0	0	0	27.38M	31.79M	48.08M
Interest Expense	0	0	0	0	0	1.28M	4.05M	3.7M
Loan Loss Provision	0	0	0	0	0	822K	-163K	195K
Non-Interest Income+	11.55M	13.42M	14.79M	17.8M	18.39M	3.11M	2.48M	8.94M
Non-Interest Income %	-	-	-	-	-	-	-	-
Total Revenue+	11.55M	13.42M	14.79M	17.8M	18.39M	30.49M	34.27M	57.01M
Revenue Growth %	-	0.16%	0.1%	0.2%	0.03%	0.66%	0.12%	0.66%
Non-Interest Expense	6.78M	7.7M	8.74M	9.98M	10.99M	18.23M	19.48M	26.84M
Efficiency Ratio	-	-	-	-	-	-	-	-
Operating Income+	4.77M	5.72M	6.04M	7.82M	7.39M	10.16M	10.91M	26.27M
Operating Margin %	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.2%	0.06%	0.29%	-0.05%	0.37%	0.07%	1.41%
Pretax Income+	3.13M	3.93M	4.46M	6.17M	5.97M	10.16M	10.91M	26.27M
Pretax Margin %	-	-	-	-	-	-	-	-
Income Tax+	704.92K	934.87K	1.86M	1.1M	1.08M	1.88M	2.08M	5.32M
Effective Tax Rate %	-	-	-	-	-	-	-	-
Net Income+	2.43M	2.99M	2.59M	5.07M	4.89M	8.28M	8.83M	20.95M
Net Margin %	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.23%	-0.13%	0.95%	-0.04%	0.69%	0.07%	1.37%
Net Income (Continuing)	2.43M	2.99M	2.59M	5.07M	4.89M	8.28M	8.83M	20.95M
EPS (Diluted)+	0.70	0.87	0.75	1.27	1.23	1.29	1.38	4.17
EPS Growth %	-	0.24%	-0.14%	0.69%	-0.03%	0.05%	0.07%	2.02%
EPS (Basic)	0.70	0.87	0.75	1.27	1.23	1.29	1.38	4.17
Diluted Shares Outstanding	3.45M	3.45M	3.46M	3.97M	3.97M	6.42M	6.42M	5.02M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	0	0	0	0	0	1000K	1000K	1000K
Cash & Due from Banks	11.48M	67.17M	133.07M	32M	99.06M	98.66M	316.77M	410.74M
Short Term Investments	0	0	0	0	0	1000K	1000K	1000K
Total Investments+	0	0	0	0	0	908.36M	866.5M	968.38M
Investments Growth %	-	-	-	-	-	-	-0.05%	0.12%
Long-Term Investments	0	0	0	0	0	628.76M	608.39M	610.05M
Accounts Receivables	0	0	0	0	0	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0
PP&E (Net)	7.69M	7.44M	8.33M	11.36M	11.26M	10.08M	9.86M	9.59M
Other Assets	413.01M	476.15M	595.28M	535.73M	818.53M	9.27M	7.72M	8.18M
Total Current Assets	0	0	0	0	0	382.57M	579.24M	773.3M
Total Non-Current Assets	420.7M	483.59M	603.62M	547.09M	829.79M	648.11M	625.97M	627.83M
Total Assets+	420.7M	483.59M	603.62M	547.09M	829.79M	1.03B	1.21B	1.4B
Asset Growth %	-	0.15%	0.25%	-0.09%	0.52%	0.24%	0.17%	0.16%
Return on Assets (ROA)	0.01%	0.01%	0%	0.01%	0.01%	0.01%	0.01%	0.02%
Accounts Payable	0	0	0	0	0	20K	61K	46K
Total Debt+	0	0	0	39.3M	0	5M	5M	0
Net Debt	-11.48M	-67.17M	-133.07M	7.3M	-99.06M	-93.66M	-311.77M	-410.74M
Long-Term Debt	0	0	0	39.3M	0	0	0	0
Short-Term Debt	0	0	0	0	0	5M	5M	0
Other Liabilities	387.59M	449.13M	559.86M	461.21M	772.92M	3.93M	4.68M	6.9M
Total Current Liabilities	0	0	0	0	0	957.97M	1.12B	1.25B
Total Non-Current Liabilities	387.59M	449.13M	559.86M	500.51M	772.92M	3.93M	4.68M	6.9M
Total Liabilities	387.59M	449.13M	559.86M	500.51M	772.92M	961.9M	1.12B	1.26B
Total Equity+	33.11M	34.45M	43.76M	46.58M	56.87M	68.78M	83.44M	144.25M
Equity Growth %	-	0.04%	0.27%	0.06%	0.22%	0.21%	0.21%	0.73%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.09%	0.07%	0.11%	0.09%	0.13%	0.12%	0.18%
Book Value per Share	9.59	9.97	12.65	11.72	14.31	10.72	13.00	28.72
Tangible BV per Share	-	-	-	-	-	-	-	-
Common Stock	20.32K	20.32K	23.37K	23.37K	23.37K	27K	46K	65K
Additional Paid-in Capital	21.09M	21.1M	27.79M	27.79M	27.79M	38.28M	38.26M	74.78M
Retained Earnings	12.25M	15.02M	17.59M	22.3M	26.79M	48.12M	56.69M	77.64M
Accumulated OCI	-246K	-1.69M	-1.64M	-3.53M	2.27M	-17.65M	-11.56M	-8.24M
Treasury Stock	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	0	0	0	0	0	17.34M	12.81M	21.8M
Operating CF Growth %	-	-	-	-	-	-	-0.26%	0.7%
Net Income	2.43M	2.99M	2.59M	5.07M	4.89M	8.28M	8.83M	20.95M
Depreciation & Amortization	0	0	0	0	0	501K	491K	494K
Deferred Taxes	0	0	0	0	0	-169K	-99K	-157K
Other Non-Cash Items	-2.43M	-2.99M	-2.59M	-5.07M	-4.89M	3.59M	2.63M	-900K
Working Capital Changes	0	0	0	0	0	5.14M	963K	1.41M
Cash from Investing+	0	0	0	0	0	134.86M	46.22M	-97.28M
Purchase of Investments	0	0	0	0	0	-503.58M	-23.4M	-282.59M
Sale/Maturity of Investments	0	0	0	0	0	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0
Other Investing	0	0	0	0	0	-36.75M	15.93M	-9.43M
Cash from Financing+	0	0	0	0	0	-177.42M	159.07M	169.45M
Dividends Paid	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0
Stock Issued	0	0	0	0	0	10.5M	0	36.54M
Net Stock Activity	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	0	0	0	0	0	-1000K
Other Financing	0	0	0	0	0	-187.92M	159.07M	137.91M
Net Change in Cash+	0	0	0	0	0	-25.21M	218.1M	93.97M
Exchange Rate Effect	0	0	0	0	0	0	0	0
Cash at Beginning	0	0	0	0	0	123.88M	98.66M	316.77M
Cash at End	0	0	0	0	0	98.66M	316.77M	410.74M
Interest Paid	0	0	0	0	0	1.27M	4M	3.72M
Income Taxes Paid	0	0	0	0	0	1.67M	2.05M	6.41M
Free Cash Flow+	0	0	0	0	0	17.25M	12.54M	21.57M
FCF Growth %	-	-	-	-	-	-	-0.27%	0.72%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2022	2023	2024
Return on Equity (ROE)	7.33%	8.86%	6.63%	11.21%	9.45%	13.18%	11.6%	18.4%
Return on Assets (ROA)	0.58%	0.66%	0.48%	0.88%	0.71%	0.89%	0.79%	1.61%
Net Interest Margin	0%	0%	0%	0%	0%	2.53%	2.3%	3.17%
Efficiency Ratio	58.69%	57.4%	59.12%	56.09%	59.78%	59.77%	56.84%	47.09%
Equity / Assets	7.87%	7.12%	7.25%	8.51%	6.85%	6.67%	6.92%	10.3%
Book Value / Share	9.59	9.97	12.65	11.72	14.31	10.72	13	28.72
NII Growth	-	-	-	-	-	-	6.29%	59.94%

Frequently Asked Questions

Valuation & Price

Chain Bridge Bancorp, Inc. (CBNA) has a price-to-earnings (P/E) ratio of 7.7x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Chain Bridge Bancorp, Inc. (CBNA) grew revenue by 66.4% over the past year. This is strong growth.

Yes, Chain Bridge Bancorp, Inc. (CBNA) is profitable, generating $21.4M in net income for fiscal year 2024 (36.7% net margin).

Dividend & Returns

Chain Bridge Bancorp, Inc. (CBNA) has a return on equity (ROE) of 18.4%. This is reasonable for most industries.

Industry Metrics

Chain Bridge Bancorp, Inc. (CBNA) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

Chain Bridge Bancorp, Inc. (CBNA) has an efficiency ratio of 47.1%. This is excellent, indicating strong cost control.

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