How profitable is Chain Bridge Bancorp Inc. (Class A) (CBNA)?

In FY 2025 (10-K), CBNA converted $735.2M of revenue into a 52% gross margin, 0% operating margin, and $11.5M in free cash flow (1.6% FCF margin).

Stock Ratings / Financials / CBNA / financials

MVBF (45) BCML (61) COSO (73) JMSB (66) ⌘ Pro Terminal →

Chain Bridge Bancorp Inc. (Class A) (CBNA) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$50.75 -1.47% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $50.52

Chain Bridge Bancorp Inc. (Class A) (CBNA) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $338.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CBNA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Chain Bridge Bancorp Inc. (Class A) (NYSE: CBNA) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $50.75 (-1.47% 1D, market cap $338.0M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, CBNA ranks #468 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CBNA compare to MVBF and BCML in the Financials sector?

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Within the Financials sector (Major Banks), CBNA carries a Roarable D+ (58/100 RQD), trailing P/E of 16.7x, gross margin of —, and ROIC of 12.0%. By comparison, MVBF (MVB Financial Corp.) holds a D grade (45/100 RQD, P/E N/A, ROIC 0.0%, cap $340.5M) and BCML (BayCom Corp) posts a C- grade (61/100 RQD, P/E 14.1x, ROIC 7.1%, cap $342.0M). Among the 5-stock peer group, COSO leads on earnings multiple (13.2x) while CBNA leads on capital efficiency (12.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CBNA?

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Per CBNA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001392272), Chain Bridge Bancorp Inc. (Class A) generated $735.2M in revenue (+24.9% YoY), $20.2M in net income, and $11.5M in free cash flow against $1.75B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $50.52 (-0.45%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 1.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 Quant Analysts Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CBNA)Realized 20D OHLCV Swing Band: ±7.3%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY CBNA SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (24% of score)

20D Institutional Volume Accumulation (±7.3% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$48.82+2.4% Next Q

Q2 (-2Q)

Grade C-$49.99+1.7% Next Q

Q3 (-1Q)

Grade C$50.82-0.1% Next Q

Current

Grade D+$50.75+0% Hist 90D α

Trajectory: C- (50) → D+ (58)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CBNA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, CBNA faces multiple-compression risk if 16.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($48.25) or 200D SMA ($40.82) invalidates the momentum regime and cuts Target Base ($50.75) toward Bear Floor ($39.59).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CBNA• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CBNA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 58%NO 42%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How CBNA Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$11.5M (1.6% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $59.8M

FY24

Rev $588.5M

FY25

Rev $735.2M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$735.2M	52%	0%	$20.2M	$11.5M	12%
FY 2024	$588.5M	52%	0%	$20.9M	$21.6M	12%
FY 2023	$59.8M	44.4%	0%	$8.8M	$12.8M	12%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CBNA)

✓Walkthrough of CBNA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CBNA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +39.31%▲ ASCENDING CHANNEL

2026-11-04O $50.59H $51.51L $50.59C $50.75VOL 15.3K

RES: $55.89SUP: $47.99SMA50: $48.25SMA200: $40.82

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CBNA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CBNA Butterfly Map → + Track CBNA →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

9.5%/yr Implied 5Y Growth

vs. +24.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CBNA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CBNA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CBNA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CBNA)

Financials Rank #468 of 1097 ⚔️ MVBF vs CBNA Full Matrix →

1. Head-to-Head Financials Peer Comparison (CBNA vs. MVBF, BCML, COSO, JMSB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Chain Bridge Bancorp Inc. (Class A) (CBNA) ranks #468 by composite RQD confidence (58/100, grade D+) and #788 by equity capitalization ($338.0M). Within this direct 5-issuer industry benchmark cohort, COSO leads on earnings valuation at 13.2x trailing P/E, while CBNA leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. COSO currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with CBNA at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CBNA ACTIVE Chain Bridge Bancorp Inc. (Class A)	D+	58/100	16.7x	—	12.0%	-1.47%	$338.0M	Benchmark Subject
MVBF MVB Financial Corp.	D	45/100	—	—	0.0%	-3.66%	$340.5M	/mvbf-vs-cbna →
BCML BayCom Corp	C-	61/100	14.1x	—	7.1%	-1.02%	$342.0M	/bcml-vs-cbna →
COSO CoastalSouth Bancshares Inc.	B	73/100	13.2x	—	9.6%	-0.11%	$331.4M	/coso-vs-cbna →
JMSB John Marshall Bancorp Inc.	C+	66/100	15.4x	—	8.0%	-0.09%	$328.1M	/jmsb-vs-cbna →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001392272 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Chain Bridge Bancorp Inc. (Class A) (CBNA) reported GAAP revenue of $735.2M (+24.9% vs. FY2024 revenue of $588.5M , and +1130.3% cumulative change since FY2023) , GAAP net income of $20.2M, operating cash flow of $15.6M, and free cash flow of $11.5M (-46.8% YoY). On the balance sheet, CBNA closed FY2025 with $1.75B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$735.2M	$20.2M	$15.6M	$11.5M	$1.75B	—
FY2024 (FY)	2024-12-31	$588.5M	$20.9M	$21.8M	$21.6M	$1.40B	—
FY2023 (FY)	2023-12-31	$59.8M	$8.8M	$12.8M	$12.8M	—	—

3. CBNA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CBNA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CBNA compare to MVBF and BCML in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CBNA?

Where is CBNA trading relative to its 50-day, 200-day, and 52-week technical levels?

CBNA last traded at $50.75 (-1.47% on volume of 54,204 shares), positioning the stock +5.18% above its 50-day simple moving average ($48.25) and +24.33% above its 200-day simple moving average ($40.82). Across its 52-week range of $28.14 to $54.11, CBNA sits at the 87.1% percentile with a 14-day RSI of 61.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.3% ($47.05 to $54.45).

Direct Sub-Reports: CBNA RQD Cockpit CBNA 12M Forecast CBNA Earnings & Move CBNA Dividends & DRIP CBNA Insiders & 13F CBNA Whale Options CBNA Profit Sankey CBNA News & Why

ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

CBNA — Chain Bridge Bancorp Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Chain Bridge Bancorp Inc. (Class A) (CBNA) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $50.75 (-1.47% 1D, market capitalization $338.0M).

Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 12.0%, gross margin of —, operating margin of —, and free cash flow yield of 3.40%.
Whale 13F & Options Flow (14/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Chain Bridge Bancorp Inc. (Class A) is listed on the NYSE under the ticker CBNA..

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Chain Bridge Bancorp Inc. (Class A) (CBNA) reported $735.2M in annual revenue (up from $588.5M in FY2024, +24.9% YoY) and $20.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($59.8M revenue, $8.8M net income) through FY2025, CBNA scaled operating cash flow to $15.6M and free cash flow to $11.5M, backed by $1.75B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (D+ • RQD 58/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 3.40% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $28.14 – $54.11 52-week range.
🐻 Primary Bear Case & Valuation Risk: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Investors must weigh 16.7x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), CBNA carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can CBNA sustain or expand its — operating margin and 12.0% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $735.2M and free cash flow of $11.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is CBNA's 15.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CBNA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Chain Bridge Bancorp Inc. (Class A) (CBNA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CBNA Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 1d ago

Chain Bridge Bancorp, Inc. (CBNA) to Report Q3 Results: Wall Street Expects Earnings Growth

Yahoo Finance report covering Chain Bridge Bancorp Inc. (Class A) (CBNA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Chain Bridge Bancorp Has Not Done Quite Enough To Get My Vote

Seeking Alpha report covering Chain Bridge Bancorp Inc. (Class A) (CBNA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Yahoo Finance • 2d ago

Chain Bridge Bancorp, Inc. (CBNA) Q3 Earnings Miss Estimates

Yahoo Finance report covering Chain Bridge Bancorp Inc. (Class A) (CBNA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 2d ago

Analysts Offer Insights on NA Companies: Brazil Potash Corp. (GRO), Ford Motor (F) and Chain Bridge Bancorp, Inc. Class A (CBNA)

The Globe and Mail report covering Chain Bridge Bancorp Inc. (Class A) (CBNA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Investing.com Canada • 2d ago

Raymond James upgrades Chain Bridge Bancorp stock rating on rate outlook By Investing.com

Investing.com Canada report covering Chain Bridge Bancorp Inc. (Class A) (CBNA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 2d ago

Profit rises at Chain Bridge Bancorp (CBNA), with nine-month earnings of $4.19 a share.

Stock Titan report covering Chain Bridge Bancorp Inc. (Class A) (CBNA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 2d ago

Chain Bridge Bancorp, Inc. (CBNA) - What Are Analysts Thinking About This Stock?

MarketBeat report covering Chain Bridge Bancorp Inc. (Class A) (CBNA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 2d ago

Chain Bridge upgraded to Buy at Raymond James on favorable operating backdrop (CBNA:NYSE)

Seeking Alpha report covering Chain Bridge Bancorp Inc. (Class A) (CBNA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CBNA Bull vs. Bear Conversation Board — What's Your Call at $50.75?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CBNA 🐻 33% BEARISH CONVICTION

AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $63.24 (+25.0%)

📌 Pinned Debate

Institutional whale flow (14/20) and insider conviction (13/20) score in the mid-range alongside a 12% ROIC and a Raymond James upgrade

Don't sleep on CBNA's setup in Financials. Institutional whale flow (14/20) and insider conviction (13/20) score in the mid-range alongside a 12% ROIC and a Raymond James upgrade on rate outlook.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (58/100) backs up the fundamental quality.

RetailWhale_TX 🐂 BULL

Both sides have a point here — CBNA's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $43.00 (-15.0%)

Spot @ $50.59

The RQD rating is a D+ Sell, with the cash engine scoring 8/20 on a 3.4% FCF yield and a Q3 earnings miss, weak Piotroski F-Score (3/9)

Sitting on the sidelines or leaning short CBNA above $50.59. The RQD rating is a D+ Sell, with the cash engine scoring 8/20 on a 3.4% FCF yield and a Q3 earnings miss, weak Piotroski F-Score (3/9), and free cash flow declining from $21.6M to $11.5M.. Until Fundamental Cash Engine (9/20) and FCF yield (3.4%) inflect higher, upside is capped near $54.11.