Stock fact sheet · data as of
Chain Bridge Bancorp, Inc. (CBNA): fair value, margin of safety and Wheel Score
Ticker symbol CBNA · Financial Services · Banks - Regional · United States · Class A common stock · Blend
CBNA is Chain Bridge Bancorp, Inc.'s Class A common stock. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is CBNA undervalued?
At 51.17 (close of 5 Nov 2026), CBNA trades 62% below the GLS average fair value of 135.25. That average comes from 8 models run on the latest filings, and 8 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Chain Bridge Bancorp, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 8 models disagree widely: EPV gives 55.63 while GLS Growth gives 306.51. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for CBNA, so the nightly engine files it under Blend (value score 68, growth score 61, out of 100).
Nine valuation models for CBNA
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 212.99 | +316% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 57.39 | +12% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 172.28 | +237% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 66.82 | +31% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 306.51 | +499% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 88.83 | +74% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 121.57 | +138% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 55.63 | +9% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -99.83 | -295% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 51.50 | +1% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: CBNA passes 4 of the nine Piotroski tests. Our scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 6.1 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 12.0%, ROE 12.0%, ROA 1.2% - with debt at 0.00 times equity and a free-cash-flow yield of 6.0%.
Chain Bridge Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 4/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 12.0% |
|---|---|---|---|
| GLS Moat | 6.1 / 10 | ROE | 12.0% |
| Debt / equity | 0.00 | ROA | 1.2% |
| Free-cash-flow yield | 6.0% | Payout ratio | 0% |
| Institutions | 4 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 32: No options
CBNA has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (32 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 151k shares a day on a market cap of $336M, with a beta of 0.21 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $336M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 62% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.1/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.21, $336M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 27 Jan 2027, 83 days away - outside the window of a 30-45-day put sold today.
Analysts upgraded CBNA 1 time in the last 30 days with no downgrades; the latest action was an upgrade by Raymond James on 6 Oct 2026.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Chain Bridge Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CSHX Cashmere Valley Bank | 90.44 | 123.28 | +27% | 34No options | $336M |
| NEWTP NewtekOne, Inc. Depositary Shares, Non-Cumulative Perpetual Preferred Stock, Series B | 23.90 | 92.66 | +74% | 23No options | $334M |
| MVBF MVB Financial Corp. | 26.01 | 41.22 | +37% | 47Weak | $338M |
| FBIP FNB Bancorp, Inc. | 51.65 | 31.32 | -65% | 20No options | $333M |
| JMSB John Marshall Bancorp, Inc. | 23.55 | 34.34 | +31% | 51Fair | $332M |
| SNLC Security National Corporation | 201.99 | 282.72 | +29% | 34No options | $331M |
| NASB NASB Financial, Inc. | 46.50 | 62.87 | +26% | 33No options | $331M |
| BCML BayCom Corp | 31.41 | 24.10 | -30% | 34Weak | $343M |
| COSO CoastalSouth Bancshares, Inc. | 28.75 | 48.39 | +41% | 33No options | $344M |
| BFCC BankFirst Capital Corporation | 64.97 | 105.15 | +38% | 35No options | $344M |
| LRBI Lake Ridge Bancorp Inc. | 164.50 | 199.60 | +18% | 28No options | $324M |
| FSBW FS Bancorp, Inc. | 44.47 | 76.16 | +42% | 36No options | $350M |
⚖ Compare CBNA with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CBNA
What kind of share is CBNA?
CBNA is Chain Bridge Bancorp, Inc.'s Class A common stock. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is CBNA undervalued right now?
By the GLS models, yes: at 51.17 the stock is 62% below the average fair value of 135.25 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CBNA and what does it mean?
CBNA has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for CBNA?
135.25 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Chain Bridge Bancorp, Inc. report earnings next?
The next earnings report is due on 27 Jan 2027, 83 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does CBNA have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CBNA, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.