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CBNA

Chain Bridge Bancorp, Inc.

CBNA

Chain Bridge Bancorp, Inc. • NYSE
$31.73 ▲ 0.79% (+0.25)
Market Cap $208.21 M
52w High $33.25
52w Low $20.01
Dividend Yield 0%
P/E 8.44
Volume 1.52K
Outstanding Shares 6.56M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $14.292M ▲ $7.322M ▲ $4.702M ▲ 32.9% ▼ $0.72 ▲ $6.011M ▲
Q2-2025 $13.624M ▼ $7.159M ▼ $4.584M ▼ 33.647% ▼ $0.7 ▼ $5.895M ▼
Q1-2025 $15.463M ▲ $7.571M ▼ $5.607M ▲ 36.261% ▲ $0.85 ▲ $7.157M ▲
Q4-2024 $13.498M ▼ $7.667M ▲ $3.74M ▼ 27.708% ▼ $0.59 ▼ $4.788M ▼
Q3-2024 $17.735M $7.432M $7.487M 42.216% $1.17 $9.533M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $671.258M ▲ $1.534B ▲ $1.371B ▲ $163.096M ▲
Q2-2025 $480.878M ▼ $1.445B ▼ $1.288B ▼ $156.948M ▲
Q1-2025 $1.108B ▲ $1.727B ▲ $1.575B ▲ $151.505M ▲
Q4-2024 $769.068M ▼ $1.401B ▼ $1.257B ▼ $144.246M ▲
Q3-2024 $934.521M $1.555B $1.45B $104.843M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $4.584M ▼ $3.35M ▲ $31.175M ▲ $-286.478M ▼ $-251.953M ▼ $2.53M ▲
Q1-2025 $5.607M ▲ $3.109M ▼ $-103.088M ▼ $318.457M ▲ $218.478M ▲ $1.42M ▼
Q4-2024 $3.74M ▼ $4.28M ▼ $-75.903M ▼ $-157.405M ▼ $-229.028M ▼ $4.184M ▼
Q3-2024 $7.487M ▲ $8.244M ▲ $12.97M ▲ $130.528M ▼ $151.742M ▲ $8.216M ▲
Q2-2024 $5.805M $5.802M $-36.667M $172.585M $141.72M $5.763M

Five-Year Company Overview

Income Statement

Income Statement The business is small but has been growing steadily. Revenue has inched up over the past few years, while profits have grown faster than sales, which suggests improving efficiency and better cost control. Earnings per share have climbed sharply most recently, indicating that existing shareholders are seeing much more profit attached to each share than just a couple of years ago. Overall, the income statement points to a focused, profitable niche bank that has been scaling its model without letting expenses get out of hand.

Balance Sheet

Balance Sheet The balance sheet looks conservative and liquid. Total assets have expanded meaningfully over the last few years, with cash balances rising even faster, which gives the bank flexibility and a cushion against shocks. Debt remains very low compared with the size of the balance sheet, while shareholders’ equity has grown solidly, pointing to retained profits building capital. This combination of growing assets, strong cash and light leverage is typical of a cautious, well-capitalized regional bank.

Cash Flow

Cash Flow Cash generated from day‑to‑day operations has been consistently positive and comfortably covers the modest investment needs of the business. Free cash flow has tracked operating cash flow closely, reflecting a low requirement for physical expansion or heavy capital spending thanks to the digital‑first model. This pattern suggests that growth is being funded largely from internal cash generation rather than from borrowing, which can be a sign of financial resilience. However, as a bank, shifts in deposits and lending conditions can still change cash dynamics quickly.

Competitive Edge

Competitive Edge Chain Bridge operates in a very specific niche, focusing on political organizations, nonprofits, advocacy groups, and complex, high‑net‑worth clients. Its edge comes from deep knowledge of campaign finance rules, tailored treasury services, and high‑touch relationship banking that larger mass‑market banks often do not match. The bank’s reputation within these circles and its ability to move quickly for time‑sensitive needs, such as last‑minute campaign spending, create a moat that is more about expertise and trust than physical scale. The main risk is concentration: reliance on a specialized client base and political cycles could make results more sensitive to regulation changes and election activity than a typical regional bank.

Innovation and R&D

Innovation and R&D Innovation here is practical rather than flashy. The company has invested in a sophisticated treasury management platform, strong security features, and digital tools tailored to the workflows of campaigns and nonprofits, rather than building a large branch network. It continues to refine mobile access, security layers, and integrations with common accounting systems, which helps make it sticky with its chosen clients. Future innovation is likely to be about incremental enhancements—better data tools, more integrations, smarter fraud detection—rather than big, risky bets, which fits its niche, service‑driven strategy.

Summary

Chain Bridge Bancorp looks like a focused, profitable specialty bank with a conservative balance sheet and a business model built around deep expertise in a narrow client segment. Financially, it shows growing revenue, faster‑growing profits, rising cash, and very modest debt, all of which point to prudent management. Strategically, its strength lies in reputation, regulatory know‑how, and customized digital tools for political and nonprofit clients, creating a moat that is more qualitative than scale‑driven. Key uncertainties revolve around its exposure to political and regulatory cycles, client concentration, and ongoing technology and cybersecurity demands, but its current profile suggests a disciplined, niche‑oriented growth story rather than a high‑risk, high‑volatility one.

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