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what it is
Chain Bridge runs a niche bank and trust business for businesses, nonprofits, political groups, and wealthy families.
how it gets paid
Last year Chain Bridge Bancorp made $48M in revenue. net interest income was the main engine at $31.2M, or 65% of sales.
what just happened
Latest quarter revenue reached $14.7M and adjusted EPS came in at $0.81 in the January 28, 2026 earnings release.
At a glance
n/a balance sheet
11.3x trailing p/e — the market's not buying it — or you found a deal
$3.08 fy2025 eps est
$3M fy2024 rev est
n/a operating margin
What they do
Chain Bridge runs a niche bank and trust business for businesses, nonprofits, political groups, and wealthy families.
This bank wins by being the place certain clients trust with very large balances. It had $1.57 billion of deposits and just 84 employees at December 31, 2025, which means each employee supported about $18.7 million of deposits. If your bank relationship depends on service and discretion, moving it is painful.
How they make money
$48M
annual revenue
net interest income
$31.2M
treasury management and payments
$5.8M
trust and estate administration
$4.8M
wealth management and custody
$3.8M
mortgage and consumer lending fees
$2.4M
The products that matter
business loans and treasury services
Commercial banking
core earnings engine
this is the lending side of the bank, and lending economics are why net interest income reached $46.5M over the last 12 months.
84% of revenue
deposit accounts and consumer relationships
Personal banking
$1.6B deposit base
these accounts provide the $1.6B in deposits that fund the balance sheet. if those balances move, the earnings model moves with them.
funding base
Key numbers
$1.57B
total deposits
That is the raw material. This bank's value rests on keeping very large client balances in place.
$270.7M
net loans
Loans are only about 17% of deposits, which tells you this bank is more flush with cash than stretched for funding.
11.3x
trailing p/e
You are paying 11.3 times trailing earnings, which is cheap if deposits hold and a trap if they do not.
$1.75B
total assets
A $231 million company controls $1.75 billion in assets. That gap is the opportunity and the risk.
Financial health
n/a
strength
- balance sheet grade n/a
n/a — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CBNA right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Latest quarter revenue reached $14.7M and adjusted EPS came in at $0.81 in the January 28, 2026 earnings release.
Full-year 2025 net income was $20.2 million, while fourth-quarter net income was $5.344 million. Deposits rose vs. prior year, driven by political organization balances and One Way Sell deposits, according to the company release.
$14.7M
revenue
$0.81
eps
$5.3M
net income
the number that mattered
$14.7 million of quarterly revenue matters because it annualizes to more than the $48 million TTM base, telling you deposit-driven earnings stayed strong into year-end.
source: company earnings report, 2026
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What could go wrong
the #1 risk is political deposit runoff — this bank's funding base is a feature until it becomes a flight risk.
high
Political deposit concentration
management has exposure to politically linked deposits, and those balances are not the same as a sleepy retail checking base. money tied to election cycles or political activity can move fast.
if deposits leave, the same line that drives 84% of revenue — net interest income — gets pressured first.
med
Small-bank earnings concentration
CBNA generated $55.48M of trailing revenue, with $46.5M from net interest income and only $9.0M from non-interest income. that is a narrow earnings mix.
there is not much fee income to cushion the blow if loan yields compress or deposit costs rise.
med
Thin coverage and rising skepticism
institutional ownership data is still being compiled, the xvary composite score cannot be calculated, and short interest increased in february 2026.
a $231M market cap stock with limited coverage can reprice hard when sentiment shifts, even if the underlying business changes slowly.
the combined risk picture is simple: $1.6B of deposits funds a business where 84% of revenue comes from net interest income. if that funding base gets less stable, the earnings profile gets less attractive fast.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
deposit stability at the $1.6B base
this is the first number to watch next quarter. if deposits are steady, the earnings setup stays intact. if they slip, the thesis gets harder immediately.
calendar
q1 2026 earnings report
estimated for april 27, 2026. consensus expects roughly $71M in revenue for the full year, so the next print will be judged against that path.
risk
short interest after the february jump
rising short interest does not prove the shorts are right. it does tell you more people are betting this funding story is shakier than it looks.
trend
whether insider buying continues
a director bought 400 shares and an officer bought 714 shares in early march. one-off buys are nice. a pattern would matter more.
Analyst rankings
street target
$33.00
current price is $34.66, so the published target implies about 5% downside.
coverage depth
thin
in human-speak: there is not enough analyst depth here to outsource your thinking to the street.
source: institutional data
Institutional activity
institutional ownership data for CBNA is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$35
current price
n/a
target midpoint · n/a from current
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