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Upturn AI SWOT - About
Chain Bridge Bancorp, Inc. (CBNA)
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Upturn Advisory Summary
04/22/2025: CBNA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 161.16M USD | Price to earnings Ratio 5.89 | 1Y Target Price 30.33 |
Price to earnings Ratio 5.89 | 1Y Target Price 30.33 | ||
Volume (30-day avg) 11914 | Beta - | 52 Weeks Range 20.01 - 27.56 | Updated Date 04/15/2025 |
52 Weeks Range 20.01 - 27.56 | Updated Date 04/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.17 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 39.44% | Operating Margin (TTM) 39.39% |
Management Effectiveness
Return on Assets (TTM) 1.61% | Return on Equity (TTM) 18.4% |
Valuation
Trailing PE 5.89 | Forward PE - | Enterprise Value -249580768 | Price to Sales(TTM) 3.03 |
Enterprise Value -249580768 | Price to Sales(TTM) 3.03 | ||
Enterprise Value to Revenue 3.04 | Enterprise Value to EBITDA - | Shares Outstanding 3049450 | Shares Floating 2789822 |
Shares Outstanding 3049450 | Shares Floating 2789822 | ||
Percent Insiders 26.44 | Percent Institutions 40.02 |
Analyst Ratings
Rating 4 | Target Price - | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Chain Bridge Bancorp, Inc.
Company Overview
History and Background
Chain Bridge Bancorp, Inc. was founded in 2007. It has grown through organic expansion and strategic acquisitions, focusing on community banking in the Washington, D.C. metropolitan area.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services to small and medium-sized businesses.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals and families.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Peter Fitzgerald serves as Chairman and CEO. The organizational structure consists of commercial lending, retail banking, wealth management and operations departments, each led by experienced senior executives.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers commercial real estate loans to finance the purchase, construction, or refinance of commercial properties. Market share within the DC Metro area is estimated at 1.5%. Competitors include larger national banks and regional banks.
- Small Business Loans: Provides SBA and conventional small business loans to support business growth and operations. Market share in the DC Metro area is approximately 1.0%. Competitors include online lenders and credit unions.
- Deposit Accounts: Offers a variety of deposit accounts, including checking, savings, and money market accounts. Market share in the DC Metro area is less than 1%. Competitors include larger national banks and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and competition from fintech companies. Consolidation is a growing trend.
Positioning
Chain Bridge Bancorp, Inc. is positioned as a community bank focused on providing personalized service and local expertise. It aims to differentiate itself through relationship banking.
Total Addressable Market (TAM)
The total addressable market for banking services in the DC Metro area is estimated at $50 billion. Chain Bridge Bancorp, Inc.'s current assets position them to capture a small percentage of the TAM.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Personalized customer service
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger competitors
- Lower brand recognition outside of the DC Metro area
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within the Mid-Atlantic region
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller community banks
- Growth in wealth management services
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in the DC Metro area
- Regulatory changes
Competitors and Market Share
Key Competitors
- BK (The Bank of New York Mellon Corporation)
- USB (U.S. Bancorp)
- C (Citigroup Inc.)
Competitive Landscape
Chain Bridge Bancorp, Inc. faces stiff competition from larger national and regional banks, as well as fintech companies. Its competitive advantages include its local market knowledge and personalized service.
Major Acquisitions
Capital Bank
- Year: 2018
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded market share and branch network in the DC Metro area.
Growth Trajectory and Initiatives
Historical Growth: Chain Bridge Bancorp, Inc. has achieved steady growth in assets, loans, and deposits over the past five years.
Future Projections: Analysts project continued growth in revenue and earnings over the next few years, driven by expansion into new markets and increased adoption of digital banking technologies.
Recent Initiatives: Recent strategic initiatives include the launch of a new digital banking platform and the acquisition of a wealth management firm.
Summary
Chain Bridge Bancorp, Inc. is a financially stable community bank with a strong presence in the DC Metro area. Its strengths lie in its local market knowledge and personalized service. However, it faces challenges from larger competitors and needs to continue to invest in technology to remain competitive and expand its market share.
Similar Companies
BK
The Bank of New York Mellon Corporation
BK
The Bank of New York Mellon Corporation
C
Citigroup Inc
C
Citigroup Inc
USB
U.S. Bancorp
USB
U.S. Bancorp
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Chain Bridge Bancorp, Inc.
Exchange NYSE | Headquaters McLean, VA, United States | ||
IPO Launch date 2024-10-04 | CEO & Director Mr. John J. Brough II, M.B.A. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 84 | Website https://www.chainbridgebank.com |
Full time employees 84 | Website https://www.chainbridgebank.com | ||
Chain Bridge Bancorp, Inc. operates as a bank holding company for Chain Bridge Bank, N.A. that provides a range of commercial and personal banking services in the United States. The company offers deposits, savings, interest-bearing checking, and money market accounts; treasury management and payments; loans, commercial lending, residential mortgage financing, consumer loans; and trusts and estate administration, wealth management, as well as asset custody services. It also provides other account related services, such as wire transfers, safety deposit box rentals, and lockbox. Chain Bridge Bancorp, Inc. was incorporated in 2006 and is headquartered in McLean, Virginia.
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