NYSE : CBNA
Chain Bridge Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 50.59 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 331.96M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2019 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 12.54M | 13.29M | 13.79M | 13.40M | 16.90M | 11.58M |
| Interest Income on Investments | 56.19M | 42.55M | 34.29M | 18.39M | 10.48M | 8.96M |
| Total Interest Income | 68.72M | 55.84M | 48.08M | 31.79M | 27.38M | 20.54M |
| Interest Paid on Deposits | 3.27M | 4.34M | 3.27M | 3.66M | 1.08M | 3.25M |
| Interest Paid on Borrowings | 430.00K | 382.00K | 201.00K | 100.22K | ||
| Total Interest Expense | 3.27M | 4.34M | 3.70M | 4.05M | 1.28M | 3.35M |
| Net Interest Income | 65.45M | 51.50M | 44.37M | 27.74M | 26.10M | 17.19M |
| Trust Income | 1.84M | 1.35M | 907.00K | 565.00K | 335.00K | |
| Gain (Loss) on Sale of Investments | 17.00K | 17.00K | -86.00K | -382.00K | -63.00K | 7.43K |
| Other Non-Interest Income | 1.42M | 1.22M | 1.53M | 1.11M | 1.28M | 861.48K |
| Total Non-Interest Income | 9.38M | 3.48M | 8.58M | 3.28M | 3.11M | 1.27M |
| Revenues Before Loan Losses | 74.83M | 54.98M | 52.95M | 31.02M | 29.21M | 18.46M |
| Provision for Loan Losses | 42.00K | -492.00K | -161.00K | 641.00K | 822.00K | 74.00K |
| Revenue | 74.79M | 55.48M | 53.11M | 30.38M | 28.39M | 18.39M |
| Salaries and Employee Benefits | 19.56M | 17.75M | 15.91M | 12.36M | 11.17M | 7.74M |
| Occupancy Expenses | 1.31M | 1.07M | 982.00K | 936.00K | 932.00K | 993.90K |
| Federal Deposit Insurance | 1.03M | 850.00K | 753.00K | 585.00K | 848.00K | 171.37K |
| Selling, General & Administrative | 7.46M | 6.67M | 6.43M | 3.79M | 3.89M | 2.26M |
| Other Non-Interest Expense | 4.06M | 3.72M | 2.78M | 1.81M | 1.38M | 1.26M |
| Total Non-Interest Expense | 33.42M | 30.06M | 26.84M | 19.48M | 18.23M | 12.42M |
| EBT Excluding Unusual Items | 41.37M | 25.42M | 26.27M | 10.91M | 10.16M | 5.97M |
| Pretax Income | 41.37M | 25.42M | 26.27M | 10.91M | 10.16M | 5.97M |
| Income Tax Expense | 8.52M | 5.18M | 5.32M | 2.08M | 1.88M | 1.08M |
| Net Income | 32.85M | 20.24M | 20.95M | 8.83M | 8.28M | 4.89M |
| Net Income to Common | 32.85M | 20.24M | 20.95M | 8.83M | 8.28M | 4.89M |
| Basic Shares Outstanding | 6.57M | 6.56M | 5.02M | 4.57M | 4.34M | 3.97M |
| Diluted Shares Outstanding | 6.57M | 6.56M | 5.02M | 4.57M | 4.34M | 3.97M |
| EPS (Basic) | 5.00 | 3.08 | 4.17 | 1.93 | 1.91 | 1.23 |
| EPS (Diluted) | 5.00 | 3.08 | 4.17 | 1.93 | 1.91 | 1.23 |
| Effective Tax Rate | 20.59% | 20.38% | 20.25% | 19.03% | 18.52% | 18.11% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2019 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.04B | 586.63M | 410.74M | 316.77M | 98.66M | 99.06M |
| Investment Securities | 887.40M | 859.38M | 650.73M | 556.84M | 582.02M | 451.41M |
| Mortgage-Backed Securities | 6.48M | 8.56M | 9.84M | 10.63M | ||
| Total Investments | 887.40M | 865.86M | 659.29M | 566.68M | 592.65M | 451.41M |
| Gross Loans | 304.42M | 274.76M | 313.29M | 304.14M | 320.19M | 265.54M |
| Allowance for Loan Losses | -4.18M | -4.10M | -4.51M | -4.32M | -4.48M | -3.72M |
| Net Loans | 300.24M | 270.66M | 308.77M | 299.82M | 315.71M | 261.82M |
| Property, Plant & Equipment | 16.73M | 13.23M | 9.59M | 9.86M | 10.08M | 11.26M |
| Loans Held for Sale | 316.00K | |||||
| Accrued Interest Receivable | 10.76M | 7.11M | 4.23M | 4.35M | 4.31M | 3.20M |
| Long-Term Deferred Tax Assets | 2.49M | 3.75M | 4.48M | 5.93M | ||
| Other Long-Term Assets | 8.86M | 4.42M | 4.43M | 3.24M | 3.34M | 3.04M |
| Total Assets | 2.27B | 1.75B | 1.40B | 1.21B | 1.03B | 829.79M |
| Accrued Expenses | 8.78M | 3.87M | 3.70M | 2.78M | 3.93M | 2.65M |
| Interest Bearing Deposits | 296.77M | 313.80M | 330.05M | 335.71M | 281.09M | 226.28M |
| Institutional Deposits | 3.07M | 4.79M | 6.51M | 9.38M | 5.37M | 20.88M |
| Non-Interest Bearing Deposits | 1.77B | 1.25B | 913.38M | 766.93M | 666.49M | 515.22M |
| Total Deposits | 2.06B | 1.57B | 1.25B | 1.11B | 952.95M | 762.38M |
| Short-Term Borrowings | 5.00M | 5.00M | 7.73M | |||
| Accrued Interest Payable | 14.00K | 32.00K | 46.00K | 61.00K | 20.00K | 164.53K |
| Other Long-Term Liabilities | 4.00M | 3.20M | 1.90M | |||
| Total Liabilities | 2.07B | 1.58B | 1.26B | 1.12B | 961.90M | 772.92M |
| Common Stock | 65.00K | 65.00K | 65.00K | 46.00K | 27.00K | 23.37K |
| Additional Paid-In Capital | 74.78M | 74.78M | 74.78M | 38.26M | 38.28M | 27.79M |
| Retained Earnings | 125.39M | 97.88M | 77.64M | 56.69M | 48.12M | 26.79M |
| Comprehensive Income & Other | -8.40M | -3.51M | -8.24M | -11.56M | -17.65M | 2.27M |
| Shareholders' Equity | 191.84M | 169.22M | 144.25M | 83.44M | 68.78M | 56.87M |
| Total Liabilities & Equity | 2.27B | 1.75B | 1.40B | 1.21B | 1.03B | 829.79M |
| Total Debt | 5.00M | 5.00M | 7.73M | |||
| Net Cash (Debt) | 1.04B | 586.63M | 410.74M | 311.77M | 93.66M | 91.33M |
| Net Cash Per Share | 158.65 | 89.40 | 81.79 | 68.25 | 21.57 | 22.99 |
| Filing Date Shares Outstanding | 6.56M | 6.56M | 6.56M | 4.57M | 4.34M | 3.97M |
| Total Common Shares Outstanding | 6.56M | 6.56M | 6.56M | 4.57M | 4.34M | 3.97M |
| Book Value Per Share | 29.24 | 25.79 | 21.98 | 18.26 | 15.84 | 14.31 |
| Tangible Book Value | 191.84M | 169.22M | 144.25M | 83.44M | 68.78M | 56.87M |
| Tangible Book Value Per Share | 29.24 | 25.79 | 21.98 | 18.26 | 15.84 | 14.31 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2019 | |
|---|---|---|---|---|---|---|
| Net Income | 20.24M | 20.95M | 8.83M | 8.28M | ||
| Depreciation & Amortization | 470.00K | 494.00K | 491.00K | 501.00K | ||
| Gain (Loss) on Sale of Investments | -3.60M | -779.00K | 2.79M | 2.76M | ||
| Provision for Credit Losses | -418.00K | 195.00K | -163.00K | 822.00K | ||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 376.00K | -289.00K | 12.00K | 18.00K | ||
| Accrued Interest Receivable | -2.37M | -792.00K | 170.00K | 3.98M | ||
| Other Operating Activities | 6.00K | -157.00K | -99.00K | -169.00K | ||
| Operating Cash Flow | 15.59M | 21.80M | 12.81M | 17.34M | ||
| Capital Expenditures | -4.11M | -223.00K | -269.00K | -88.00K | ||
| Investment in Securities | -196.97M | -87.64M | 30.55M | 171.69M | ||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 38.53M | -9.14M | 16.05M | -36.27M | ||
| Other Investing Activities | -497.00K | -273.00K | -112.00K | -468.00K | ||
| Investing Cash Flow | -163.05M | -97.28M | 46.22M | 134.86M | ||
| Long-Term Debt Issued | 325.82M | 142.94M | 154.90M | |||
| Short-Term Debt Repaid | -5.00M | |||||
| Long-Term Debt Repaid | -187.62M | |||||
| Total Debt Repaid | -5.00M | -187.62M | ||||
| Net Debt Issued (Repaid) | 325.82M | 137.94M | 154.90M | -187.62M | ||
| Issuance of Common Stock | 36.54M | 10.50M | ||||
| Net Increase (Decrease) in Deposit Accounts | -2.48M | -5.03M | 4.17M | -296.00K | ||
| Financing Cash Flow | 323.35M | 169.45M | 159.07M | -177.42M | ||
| Net Cash Flow | 175.89M | 93.97M | 218.10M | -25.21M | ||
| Free Cash Flow | 11.48M | 21.57M | 12.54M | 17.25M | ||
| Free Cash Flow Margin | 20.70% | 40.62% | 41.28% | 60.78% | ||
| Free Cash Flow Per Share | 1.75 | 4.30 | 2.75 | 3.97 | ||
| Cash Interest Paid | 4.36M | 3.72M | 4.00M | |||
| Cash Income Tax Paid | 4.75M | 6.41M | 2.05M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2019 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 331.96M | 227.30M | 164.50M | |||
| Last Close Price | 50.59 | 34.64 | 25.07 | |||
| PE Ratio | 10.11 | 11.23 | 7.85 | |||
| PS Ratio | 4.44 | 4.10 | 3.10 | |||
| PB Ratio | 1.73 | 1.34 | 1.14 | |||
| P/FCF Ratio | 19.90 | 19.80 | 7.62 | |||
| P/OCF Ratio | 15.26 | 14.58 | 7.55 | |||
| Debt / Equity Ratio | 0.06 | 0.07 | 0.14 | |||
| Debt / FCF Ratio | 0.40 | 0.29 | ||||
| Net Debt / Equity Ratio | -5.43 | -3.47 | -2.85 | -3.74 | -1.36 | -1.61 |
| Net Debt / FCF Ratio | -51.09 | -19.04 | -24.86 | -5.43 | ||
| Return on Equity (ROE) | 18.51% | 12.91% | 18.40% | 11.60% | 9.45% | |
| Return on Assets (ROA) | 1.73% | 1.28% | 1.61% | 0.79% | 0.71% | |
| Earnings Yield | 9.89% | 8.90% | 12.73% | |||
| FCF Yield | 5.03% | 5.05% | 13.11% | |||
| Buyback Yield / Dilution | -0.75% | -30.66% | -9.93% | -5.22% | -9.27% | |
| Total Shareholder Return | -0.75% | -30.66% | -9.93% | -5.22% | -9.27% |