This page shows Chain Bridge Bancorp (CBNA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Chain Bridge Bancorp's revenue declined 97.2% year-over-year, from $48.1M to $1.3M. This contraction results in a growth score of 0/100.
Chain Bridge Bancorp has elevated debt relative to equity (D/E of 9.34), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Chain Bridge Bancorp converts 853.0% of revenue into free cash flow ($11.5M). This strong cash generation earns a score of 100/100.
Chain Bridge Bancorp's ROE of 12.0% shows moderate profitability relative to equity, earning a score of 38/100. This is down from 14.5% the prior year.
Chain Bridge Bancorp passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Chain Bridge Bancorp generates $0.77 in operating cash flow ($15.6M OCF vs $20.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Chain Bridge Bancorp generated $1.3M in revenue in fiscal year 2025. This represents a decrease of 97.2% from the prior year.
Chain Bridge Bancorp reported $20.2M in net income in fiscal year 2025. This represents a decrease of 3.4% from the prior year.
Chain Bridge Bancorp earned $3.08 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 26.1% from the prior year.
Cash & Balance Sheet
Chain Bridge Bancorp generated $11.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 46.8% from the prior year.
Chain Bridge Bancorp held $586.6M in cash against $0 in long-term debt as of fiscal year 2025.
Chain Bridge Bancorp had 3M shares outstanding in fiscal year 2025.
Margins & Returns
Chain Bridge Bancorp's net profit margin was 1503.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1459.9 percentage points from the prior year.
Chain Bridge Bancorp's ROE was 12.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.6 percentage points from the prior year.
Capital Allocation
Chain Bridge Bancorp invested $4.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 1743.9% from the prior year.
CBNA Income Statement
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $13.4M+5.2% | $12.8M-13.4% | $14.7M+20.7% | $12.2M-16.7% | $14.7M+27.6% | $11.5M+18.5% | $9.7M | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $1.2M+19.3% | $971K+8.7% | $893K+4.2% | $857K-16.1% | $1.0M+11.5% | $917K+1.1% | $907K | N/A |
| Income Tax | $1.2M0.0% | $1.2M-16.6% | $1.4M+54.4% | $926K-51.9% | $1.9M+29.0% | $1.5M+52.9% | $976K | N/A |
| Net Income | $4.7M+2.6% | $4.6M-18.2% | $5.6M+49.9% | $3.7M-50.0% | $7.5M+29.0% | $5.8M+48.2% | $3.9M | N/A |
| EPS (Diluted) | $0.72+2.9% | $0.70-17.6% | $0.85 | N/A | $1.64+29.1% | $1.27+47.7% | $0.86 | N/A |
CBNA Balance Sheet
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B+6.2% | $1.4B-16.3% | $1.7B+23.2% | $1.4B-9.9% | $1.6B | N/A | N/A | $1.2B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $395.7M+4.9% | $377.3M-40.0% | $629.2M+53.2% | $410.7M-35.8% | $639.8M+31.1% | $488.0M+40.9% | $346.3M+9.3% | $316.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.4B+6.4% | $1.3B-18.2% | $1.6B+25.3% | $1.3B-13.3% | $1.5B | N/A | N/A | $1.1B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $163.1M+3.9% | $156.9M+3.6% | $151.5M+5.0% | $144.2M+37.6% | $104.8M+11.5% | $94.0M+7.3% | $87.6M+5.0% | $83.4M |
| Retained Earnings | $92.5M+5.4% | $87.8M+5.5% | $83.2M+7.2% | $77.6M+5.1% | $73.9M | N/A | N/A | $56.7M |
CBNA Cash Flow Statement
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.8M-17.0% | $3.4M+7.8% | $3.1M-27.4% | $4.3M-48.1% | $8.2M+42.1% | $5.8M+67.2% | $3.5M-37.0% | $5.5M |
| Capital Expenditures | $322K-60.7% | $820K-51.5% | $1.7M+1659.4% | $96K+242.9% | $28K-28.2% | $39K-35.0% | $60K-72.9% | $221K |
| Free Cash Flow | $2.5M-2.8% | $2.5M+78.2% | $1.4M-66.1% | $4.2M-49.1% | $8.2M+42.6% | $5.8M+69.0% | $3.4M-35.5% | $5.3M |
| Investing Cash Flow | -$67.0M-314.9% | $31.2M+130.2% | -$103.1M-35.8% | -$75.9M-685.2% | $13.0M+135.4% | -$36.7M-1677.1% | $2.3M-79.9% | $11.6M |
| Financing Cash Flow | $82.6M+128.8% | -$286.5M-190.0% | $318.5M+302.3% | -$157.4M-220.6% | $130.5M-24.4% | $172.6M+626.9% | $23.7M-47.5% | $45.3M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
CBNA Financial Ratios
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 35.0%-0.9pp | 35.9%-2.1pp | 38.0%+7.4pp | 30.6%-20.4pp | 51.0%+0.5pp | 50.5%+10.1pp | 40.4% | N/A |
| Return on Equity | 2.9%-0.0pp | 2.9%-0.8pp | 3.7%+1.1pp | 2.6%-4.6pp | 7.1%+1.0pp | 6.2%+1.7pp | 4.5% | N/A |
| Return on Assets | 0.3%-0.0pp | 0.3%0.0pp | 0.3%+0.1pp | 0.3%-0.2pp | 0.5% | N/A | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.41+0.2 | 8.21-2.2 | 10.40+1.7 | 8.71-5.1 | 13.83 | N/A | N/A | 13.44 |
| FCF Margin | 18.3%-1.5pp | 19.8%+10.2pp | 9.6%-24.6pp | 34.3%-21.8pp | 56.0%+5.9pp | 50.1%+15.0pp | 35.2% | N/A |
Similar Companies
Frequently Asked Questions
What is Chain Bridge Bancorp's annual revenue?
Chain Bridge Bancorp (CBNA) reported $1.3M in total revenue for fiscal year 2025. This represents a -97.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Chain Bridge Bancorp's revenue growing?
Chain Bridge Bancorp (CBNA) revenue declined by 97.2% year-over-year, from $48.1M to $1.3M in fiscal year 2025.
Is Chain Bridge Bancorp profitable?
Yes, Chain Bridge Bancorp (CBNA) reported a net income of $20.2M in fiscal year 2025, with a net profit margin of 1503.5%.
What is Chain Bridge Bancorp's net profit margin?
Chain Bridge Bancorp (CBNA) had a net profit margin of 1503.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Chain Bridge Bancorp's return on equity (ROE)?
Chain Bridge Bancorp (CBNA) has a return on equity of 12.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Chain Bridge Bancorp's free cash flow?
Chain Bridge Bancorp (CBNA) generated $11.5M in free cash flow during fiscal year 2025. This represents a -46.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Chain Bridge Bancorp's operating cash flow?
Chain Bridge Bancorp (CBNA) generated $15.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Chain Bridge Bancorp's total assets?
Chain Bridge Bancorp (CBNA) had $1.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Chain Bridge Bancorp's capital expenditures?
Chain Bridge Bancorp (CBNA) invested $4.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Chain Bridge Bancorp's debt-to-equity ratio?
Chain Bridge Bancorp (CBNA) had a debt-to-equity ratio of 9.34 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Chain Bridge Bancorp's return on assets (ROA)?
Chain Bridge Bancorp (CBNA) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Chain Bridge Bancorp's Piotroski F-Score?
Chain Bridge Bancorp (CBNA) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Chain Bridge Bancorp's earnings high quality?
Chain Bridge Bancorp (CBNA) has an earnings quality ratio of 0.77x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Chain Bridge Bancorp?
Chain Bridge Bancorp (CBNA) scores 34 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.