1.Sales and profit
See section →- Chain Bridge Bancorp Inc had $55.0M of revenue in fiscal 2025, up 3.8% on the year before.
- Chain Bridge Bancorp Inc made $20.2M of net profit in fiscal 2025. From fiscal 2023 to 2025, diluted EPS grew 26.3% a year.
Chain Bridge Bancorp Inc
CBNA NYSE National Commercial Banks Financials FY2023–FY2025
Chain Bridge Bancorp Inc had $55.0M of revenue in fiscal 2025, up 3.8% on the year before.
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3-page PDF: the company, its results and charts with peers.
Last close · Oct 23, 2026
$51.00
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KIRA’s summary AI analyst
Hi! I read Chain Bridge Bancorp Inc’s latest annual report (fiscal 2025). Here is what stands out:
3 strengths
2.Cash and shareholders
See section →- No open-market insider trades in the last 12 months.
3.Financial health
See section →- It earned 12.9% on shareholders’ money. Running costs took 54.7% of revenue (the efficiency ratio; lower is better).
Chain Bridge Bancorp Inc in 30 seconds
Good So-so Weak
So-so
Are sales growing?
+3.8%
Only a little. Sales grew 3.8% last year.
Good
Does it make a profit?
36.8%
Yes. It keeps 36.8% of every sale as profit.
Good
How lean are its costs?
54.7%
Lean. Running costs take 54.7% of revenue.
Good
How much does it earn on its capital?
12.9%
Good. It earns 12.9% a year on shareholders’ money.
For information
How is the share priced?
12.6x
One share costs 12.6 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
$335M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
12.6x
On $4.06 EPS (TTM)
Sales and profit
Is it selling more, and how much does it keep?
Results dates
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Chain Bridge Bancorp Inc did it, and the next one. Share prices often move a lot on those days.
Next results
October 27, 2026
Tuesday · in 2 days
- Time
- Time not announced
- Covers
- Period ended Sep 30, 2026
- Expected EPS
- $1.71
- Source
- Earnings calendar
| Date | Results for | Time | Source |
|---|---|---|---|
| Jul 28, 2026 | Q2 '26 | After the market closes | 8-K ↗ |
| Apr 28, 2026 | Q1 '26 | After the market closes | 8-K ↗ |
| Jan 28, 2026 | Q4 '25 | After the market closes | 8-K ↗ |
| Oct 28, 2025 | Q3 '25 | After the market closes | 8-K ↗ |
| Jul 28, 2025 | Q2 '25 | After the market closes | 8-K ↗ |
| Apr 28, 2025 | Q1 '25 | After the market closes | 8-K ↗ |
| Jan 28, 2025 | Q4 '24 | After the market closes | 8-K ↗ |
| Oct 29, 2024 | Q3 '24 | After the market closes | 8-K ↗ |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
Revenue and margins
KIRA · Chain Bridge Bancorp Inc had $55.0M of revenue in fiscal 2025, up 3.8% on the year before.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
FY23
Revenue $31.0M
FY24
Revenue $53.0M
FY25
Revenue $55.0M
Q3 '23
Revenue $8.4M
Q4 '23
Revenue $9.1M
Q1 '24
Revenue $10.4M
Q2 '24
Revenue $13.2M
Q3 '24
Revenue $16.7M
Q4 '24
Revenue $12.6M
Q1 '25
Revenue $14.5M
Q2 '25
Revenue $12.6M
Q3 '25
Revenue $13.1M
Q4 '25
Revenue $14.7M
Q1 '26
Revenue $17.4M
Q2 '26
Revenue $20.0M
FY23
Net interest share 89.4%
Efficiency ratio 62.8%
FY24
Net interest share 83.8%
Efficiency ratio 50.7%
FY25
Net interest share 93.7%
Efficiency ratio 54.7%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 85.5%
Efficiency ratio 58.1%
Q4 '23
Net interest share 85.3%
Efficiency ratio 55.3%
Q1 '24
Net interest share 84.2%
Efficiency ratio 55.0%
Q2 '24
Net interest share 80.1%
Efficiency ratio 45.5%
Q3 '24
Net interest share 81.6%
Efficiency ratio 44.4%
Q4 '24
Net interest share 90.3%
Efficiency ratio 60.9%
Q1 '25
Net interest share 95.2%
Efficiency ratio 52.1%
Q2 '25
Net interest share 93.4%
Efficiency ratio 56.7%
Q3 '25
Net interest share 93.5%
Efficiency ratio 55.8%
Q4 '25
Net interest share 92.5%
Efficiency ratio 54.5%
Q1 '26
Net interest share 86.1%
Efficiency ratio 50.9%
Q2 '26
Net interest share 85.3%
Efficiency ratio 40.2%
Net interest share
Efficiency ratio
Net income and earnings per share
KIRA · Chain Bridge Bancorp Inc made $20.2M of net profit in fiscal 2025. From fiscal 2023 to 2025, diluted EPS grew 26.3% a year.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
FY23
Net income $8.8M
FY24
Net income $20.9M
FY25
Net income $20.2M
Q3 '23
Net income $2.8M
Q4 '23
Net income $3.3M
Q1 '24
Net income $3.9M
Q2 '24
Net income $5.8M
Q3 '24
Net income $7.5M
Q4 '24
Net income $3.7M
Q1 '25
Net income $5.6M
Q2 '25
Net income $4.6M
Q3 '25
Net income $4.7M
Q4 '25
Net income $5.3M
Q1 '26
Net income $7.1M
Q2 '26
Net income $9.5M
FY23
Diluted EPS $1.93
FY24
Diluted EPS $4.17
FY25
Diluted EPS $3.08
Q3 '23
Diluted EPS $0.62
Q4 '23
Diluted EPS —
Q1 '24
Diluted EPS $0.86
Q2 '24
Diluted EPS $1.27
Q3 '24
Diluted EPS $1.64
Q4 '24
Diluted EPS $0.40
Q1 '25
Diluted EPS $0.85
Q2 '25
Diluted EPS $0.70
Q3 '25
Diluted EPS $0.72
Q4 '25
Diluted EPS $0.81
Q1 '26
Diluted EPS $1.08
Q2 '26
Diluted EPS $1.45
Cash and shareholders
How much cash comes in, and where does it go?
Dividends, buybacks and share count
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
FY23
Dividends —
Buybacks —
FY24
Dividends —
Buybacks —
FY25
Dividends —
Buybacks —
Dividends
Buybacks
FY23
Diluted shares 0.00B
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Insider trades
KIRA · No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
FY23
Loans $300M
Deposits $1.1B
FY24
Loans $309M
Deposits $1.2B
FY25
Loans $271M
Deposits $1.6B
Loans
Deposits
| Fiscal year end | FY23 | FY24 | FY25 |
|---|---|---|---|
| Loans, net | $300M | $309M | $271M |
| Deposits | $1.1B | $1.2B | $1.6B |
| Loans / deposits | 27.0% | 24.7% | 17.2% |
| Total assets | $1.2B | $1.4B | $1.8B |
| Shareholders' equity | $83.4M | $144M | $169M |
| Provision / loans | 0.2% | −0.1% | −0.2% |
Returns and efficiency
KIRA · It earned 12.9% on shareholders’ money. Running costs took 54.7% of revenue (the efficiency ratio; lower is better).
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
FY23
ROE 10.6%
ROTE 10.6%
Efficiency ratio 62.8%
FY24
ROE 18.4%
ROTE 14.5%
Efficiency ratio 50.7%
FY25
ROE 12.9%
ROTE 12.0%
Efficiency ratio 54.7%
ROE
ROTE
Efficiency ratio
All figures
Every number, year by year.
3 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Income statement | |||
| Revenue | $31.0M | $53.0M | $55.0M |
| Net interest income | $27.7M | $44.4M | $51.5M |
| Noninterest income | $3.3M | $8.6M | $3.5M |
| Noninterest expense | $19.5M | $26.8M | $30.1M |
| Provision for credit losses | $0.6M | −$0.2M | −$0.5M |
| Pretax income | $10.9M | $26.3M | $25.4M |
| Income tax | $2.1M | $5.3M | $5.2M |
| Net income | $8.8M | $20.9M | $20.2M |
| Diluted EPS | $1.93 | $4.17 | $3.08 |
| Diluted shares | 0.00B | 0.01B | 0.01B |
| Cash flow | |||
| Cash from operations | $12.8M | $21.8M | $15.6M |
| Capital expenditure | $0.3M | $0.2M | $4.1M |
| Free cash flow | $12.5M | $21.6M | $11.5M |
| Depreciation and amortization | $0.5M | $0.5M | $0.5M |
| Balance sheet | |||
| Cash and short-term investments | $317M | $411M | $587M |
| Total debt | $5.0M | $0.0M | $0.0M |
| Loans, net | $300M | $309M | $271M |
| Deposits | $1.1B | $1.2B | $1.6B |
| Property and equipment, net | $9.9M | $9.6M | $13.2M |
| Total assets | $1.2B | $1.4B | $1.8B |
| Total liabilities | $1.1B | $1.3B | $1.6B |
| Preferred stock | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $83.4M | $144M | $169M |
| Margins | |||
| Net margin | 28.5% | 39.6% | 36.8% |
| FCF margin | 40.4% | 40.7% | 20.9% |
| Net interest share of revenue | 89.4% | 83.8% | 93.7% |
| Efficiency ratio | 62.8% | 50.7% | 54.7% |
| Returns | |||
| Return on equity | 10.6% | 18.4% | 12.9% |
| Return on assets | 0.7% | 1.6% | 1.3% |
| Return on tangible equity | 10.6% | 14.5% | 12.0% |
| Growth | |||
| Revenue growth | — | 70.7% | 3.8% |
| Net income growth | — | 137.2% | −3.4% |
| EPS growth | — | 116.1% | −26.1% |
| FCF growth | — | 72.0% | −46.8% |
| Share count change | — | 9.9% | 30.7% |
| Financial health | |||
| Debt / equity | 0.1x | 0.0x | 0.0x |
| Loans / deposits | 27.0% | 24.7% | 17.2% |
| Provision / loans | 0.2% | −0.1% | −0.2% |
| Capital allocation | |||
| Capex / revenue | 0.9% | 0.4% | 7.5% |
| Quality scores | |||
| Piotroski F-score | — | 6.0 | 2.0 |
| Accruals ratio | −0.3% | −0.1% | 0.3% |
Source: SEC EDGAR XBRL filings (CIK 0001392272). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.