Chain Bridge Bancorp Inc. Class A Common Stock (CBNA)

FairStock Score: 69/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Chain Bridge as a small, 92-employee bank holding company with a niche set of commercial, treasury, payments, trust and custody services. That can create sticky customer relationships, but it is not a wide moat; community and regional banks mostly compete on trust, service and local underwriting. The earnings record is improving but lumpy. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $9.5M and diluted EPS $1.45, versus $4.6M and $0.70 in fiscal Q2 2025. Fiscal Q1 2026 added $7.1M of net income and $1.08 of diluted EPS. Full-year FY2025 net income was $20.2M and EPS $3.08, down from FY2024's $20.9M and $4.17, though well above FY2023's $8.8M and $1.93. So the recent quarter is strong, but the annual trend is not smooth. FairStock's calculated ROE is 15.64%, respectable for a bank, and at the 2026-10-13 close of $49.32 the shares trade at 12.15 times earnings and 1.76 times book, with a PEG of 0.11. Piotroski is only 5/9, and no dividend is paid. The biggest gap is bank-specific: CET1, net interest margin, credit quality and reserves are not in the data, so I cannot judge leverage or underwriting risk. A low beta of 0.21 and a 69/100 FairStock Score are supportive, but at 1.76x book I want a larger margin of safety.

In plain English: Chain Bridge Bancorp is a small bank holding company that offers banking, lending, trust and wealth services. The business is profitable, and recent quarterly earnings more than doubled from a year earlier, but full-year profits have been uneven. At the recent price, the stock looks moderately priced compared with its profits and net asset value, not obviously cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer