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Chain Bridge Bancorp Financials

CBNA
Source SEC Filings (10-K/10-Q) Updated Mar 20, 2026 Currency USD FYE March

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

Profitability Growth Leverage Liquidity Cash Flow Returns 34 / 100
Financial Profile 34/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth
0

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.

Leverage
0

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.

Cash Flow
100

Chain Bridge Bancorp converts 853.0% of revenue into free cash flow ($11.5M). This strong cash generation earns a score of 100/100.

Returns
38

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.

Piotroski F-Score Weak
2/9

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.

Earnings Quality Mixed
0.77x

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

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Earnings & Revenue

Revenue
$1.3M
YoY-97.2%

Chain Bridge Bancorp generated $1.3M in revenue in fiscal year 2025. This represents a decrease of 97.2% from the prior year.

EBITDA
N/A
Net Income
$20.2M
YoY-3.4%

Chain Bridge Bancorp reported $20.2M in net income in fiscal year 2025. This represents a decrease of 3.4% from the prior year.

EPS (Diluted)
$3.08
YoY-26.1%

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

Free Cash Flow
$11.5M
YoY-46.8%

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.

Cash & Debt
$586.6M
YoY+42.8%

Chain Bridge Bancorp held $586.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share
N/A
Shares Outstanding
3M

Chain Bridge Bancorp had 3M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin
N/A
Operating Margin
N/A
Net Margin
1503.5%
YoY+1459.9pp

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.

Return on Equity
12.0%
YoY-2.6pp

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

R&D Spending
N/A
Share Buybacks
N/A
Capital Expenditures
$4.1M
YoY+1743.9%

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

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Frequently Asked Questions

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.

Chain Bridge Bancorp (CBNA) revenue declined by 97.2% year-over-year, from $48.1M to $1.3M in fiscal year 2025.

Yes, Chain Bridge Bancorp (CBNA) reported a net income of $20.2M in fiscal year 2025, with a net profit margin of 1503.5%.

Chain Bridge Bancorp (CBNA) reported diluted earnings per share of $3.08 for fiscal year 2025. This represents a -26.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

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.

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.

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.

Chain Bridge Bancorp (CBNA) generated $15.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Chain Bridge Bancorp (CBNA) had $1.8B in total assets as of fiscal year 2025, including both current and long-term assets.

Chain Bridge Bancorp (CBNA) invested $4.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Chain Bridge Bancorp (CBNA) had 3M shares outstanding as of fiscal year 2025.

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.

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.

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.

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.

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.

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