Chain Bridge Bancorp, Inc.

NYSE•CBNA

CEO: Mr. John J. Brough II, M.B.A.

Sector: Financial Services

Industry: Banks - Regional

Listing Date:

Chain Bridge Bancorp, Inc. operates as a bank holding company for Chain Bridge Bank, N.A., that provides commercial and personal banking services in the United States. The company offers deposits, treasury management, payments, loans, commercial lending, residential mortgage financing, consumer loans, trusts and estate administration, wealth management, and asset custody services. Its deposit products include non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts. The company's loan portfolio comprises of residential and commercial real estate loans, commercial loans, and consumer loans. Chain Bridge Bancorp, Inc. was incorporated in 2006 and is headquartered in McLean, Virginia.

Contact Information

1445-A Laughlin Avenue, McLean, VA, 22101, United States

703-748-2005

www.chainbridgebank.com

Market Cap

$230.91M

P/E (TTM)

11.4

13.4

Dividend Yield

52W High

$38.43

52W Low

$20.01

52W Range

82%

Rank36Top 31.8%

4.5

F-Score

Modified Piotroski Analysis

Based on 8-year fundamentals

Average • 4.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2018-2025

Financial Dashboard

Q4 2025 Data

Revenue

$16.01M+18.63%

4-Quarter Trend

EPS

$0.81+37.29%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

NII Rises 14.9% Nine-month Net Interest Income grew to $37.9M, driven by higher taxable security yields, offsetting lower deposit interest income.

Strong Capital Ratios Maintained Tier 1 Leverage ratio stood at 10.53% and Total Risk-Based Capital ratio at 42.41%, exceeding regulatory minimums comfortably.

Deposit Base Expanded 9.2% Total deposits reached $1.36B by period end, reflecting increased ICS reciprocal deposits, despite political organization outflows.

Net Income Declined 13.5% Consolidated net income fell to $14.9M for nine months, primarily due to a 67.8% drop in noninterest income sources.

Risk Factors

Political Deposit Concentration Risk High reliance on political organization deposits creates volatility; recent outflows impacted average balances and net interest income significantly.

NIM Compression Pressure Net interest margin slightly compressed to 3.44% (9 months) due to declining Federal Reserve deposit yields despite asset growth.

Strategic Loan Portfolio Reduction Net loans decreased 9.3% to $280.0M, driven by cyclical curtailments and management's strategic reduction of CRE exposure.

Increased Public Company Costs Noninterest expenses rose 15.0% for nine months, driven by higher salaries, insurance, and infrastructure costs associated with public status.

Outlook

Asset Sensitivity Outlook Company remains asset-sensitive; declining short-term rates are expected to adversely affect future net interest income performance.

Loan Quality Remains Strong No non-performing assets reported; ACL was recaptured, reflecting strong credit quality indicators across the loan portfolio segments.

Liquidity Management Focus Management relies on ICS network flexibility and cash reserves to manage cyclical political deposit inflows and outflows effectively.

Managing Regulatory Costs Expect continued increases in compliance and operational expenses related to maintaining public company status and regulatory adherence.

Peer Comparison

Revenue (TTM)

CFFI

$183.79M

+10.1%

OPBK

$166.66M

+8.2%

ISTR

$153.49M

-1.9%

Gross Margin (Latest Quarter)

OVLY

95.9%

+11.9pp

CBNA

91.8%

+0.4pp

LCNB

72.6%

+10.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
OVLY	$266.33M	11.0	12.7%	0.0%
ISTR	$261.77M	11.4	8.3%	5.4%
FSFG	$238.37M	10.1	12.6%	19.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.2%

Moderate Growth

4Q Net Income CAGR

-1.6%

Stable Profitability

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 27, 2026

EPS:$0.95

Revenue:$15.73M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data