Chain Bridge Bancorp Inc (CBNA) stock analysis

CBNANYSENational Commercial BanksFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 10, 2026Score 11/3014% above fair value

$52.35+1.20 (+2.35%)

Close on Nov 11, 2026Market cap $343.51MP/E 10.5Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Mixed11 of 30 checks passed

Chain Bridge Bancorp passes 11 of the 30 checks behind our score; 13 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation: 1/6
Growth: 1/6
Past performance: 3/6
Financial health: 6/6
Dividend: 0/6

What stands out

Modest borrowings
Borrowings other than deposits are 0.0% of equity.
P/E below the industry
Chain Bridge Bancorp's P/E of 10.5 is below the Commercial Banks median of 12.1.
Well capitalized
Equity is 8.5% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 14.5% of deposits, so lending is funded by customer deposits.

What to watch

Margin of safety under 20%
The price is 13.7% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $52.35 is above our fair value estimate of $46.03.
P/E above its 5-year median
Chain Bridge Bancorp's P/E of 10.5 is above its own 5-year median of 8.5.
P/S above the industry
Chain Bridge Bancorp's price-to-sales of 4.59 is above the Commercial Banks median of 3.60.

Valuation1/6

P/E above its 5-year median
Chain Bridge Bancorp's P/E of 10.5 is above its own 5-year median of 8.5.
P/E below the industry
Chain Bridge Bancorp's P/E of 10.5 is below the Commercial Banks median of 12.1.
P/S above the industry
Chain Bridge Bancorp's price-to-sales of 4.59 is above the Commercial Banks median of 3.60.
P/B above the industry
Chain Bridge Bancorp's price-to-book of 1.79 is above the Commercial Banks median of 1.29.
Trading above fair value
The share price of $52.35 is above our fair value estimate of $46.03.
Margin of safety under 20%
The price is 13.7% above fair value, so there is no margin of safety.

Growth1/6

Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing faster than the industry
Revenue grew 41.5% over the last twelve months; the Commercial Banks median is 11.3%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.

Past performance3/6

Return on equity
Needs positive equity and five years of results.
Return on assets over 1%
Return on assets was 1.7%; for a bank or insurer, 1% or more is considered good.
Return on equity above the industry
Chain Bridge Bancorp's return on equity of 18.5% is above the Commercial Banks median of 11.5%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin above the industry
Chain Bridge Bancorp's net margin of 43.9% is above the Commercial Banks median of 30.3%.

Financial health6/6

Well capitalized
Equity is 8.5% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 14.5% of deposits, so lending is funded by customer deposits.
Adequate loan-loss reserve
The allowance for credit losses is 1.4% of loans; we look for at least 1%.
Efficient operations
Non-interest expense takes 44.7% of revenue; under 60% is efficient for a bank.
Deposits growing
Deposits grew 51.3% over the past year.
Modest borrowings
Borrowings other than deposits are 0.0% of equity.

Dividend0/6

No dividend
Chain Bridge Bancorp has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$46.03

The share price is 14% above this estimate.

20%+ below

Near fair value

20%+ above

$52.35Price$46.03Fair value

Method	Multiple used	Own 5Y median	Industry median	Value per share	Weight
P/E	11.0×	8.5×	12.1×	$54.98	50%
P/B	1.3×	1.2×	1.3×	$37.09	50%
Fair value				$46.03	100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

P/E at month end
Own 5-year median 8.5
Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day: $1.27M
Value traded per 1% price move: $721.50K

Downside

Low risk

Typical loss in a bad month: 10.2%
Volatility (annualized): 32%
Sharpe ratio, 1 year: 2.22
Beta to the S&P 500 (5Y): 0.74

Typical bad-month loss, week by week

Margins

Share of revenue, fiscal years 2022 to 2025

Net margin

36.8%

Growth rates

Compound annual growth to fiscal 2025

Per year	1 year	3 years	5 years	10 years
Revenue	+3.8%	–	–	–
Net income	-3.4%	–	–	–
EPS, diluted	-26.1%	–	–	–
Free cash flow	-46.8%	–	–	–

Returns and balance sheet

4 fiscal years. Hover a measure to see how it is calculated.

Measure	FY2022	FY2022	FY2025
Return on equity	–	–	12.9%
Return on assets	–	–	1.3%
Capex to revenue	–	–	7.5%
Diluted shares	–	–	7M

DuPont analysis

Return on equity split into margin, efficiency and leverage

Net margin36.8%

Asset turnover0.03×

Equity multiplier10.05×

Return on equity, FY202512.9%

Fiscal year	Net margin	Asset turnover	Equity multiplier	Return on equity
FY2025	36.8%	0.03×	10.05×	12.9%
FY2024	39.6%	0.04×	11.45×	18.4%

Where these numbers come from

Parsed from the XBRL in Chain Bridge Bancorp's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing