Chain Bridge Bancorp, Inc. (CBNA) could be a solid addition to your portfolio given a notable revision in the company's earnings estimates. While the stock has been gaining lately, the trend might continue since its earnings outlook is still improving.Analysts' growing optimism on the earnings prospects of this company is driving estimates higher, which should get reflected in its stock price. After all, empirical research shows a strong correlation between trends in earnings estimate revisions and near-ter ...

Core Insights - Chain Bridge Bancorp, Inc. (CBNA) reported a revenue of $14.7 million for the quarter ended December 2025, reflecting a year-over-year increase of 16.8% and a surprise of +5.72% over the Zacks Consensus Estimate of $13.9 million [1] - The earnings per share (EPS) for the quarter was $0.81, compared to $0.59 in the same quarter last year, resulting in an EPS surprise of +3.19% against the consensus estimate of $0.79 [1] Financial Performance Metrics - Total interest-earning assets averaged $1.65 billion, exceeding the average estimate of $1.55 billion from two analysts [4] - The net interest margin was reported at 3.3%, slightly below the average estimate of 3.4% from two analysts [4] - Net interest income reached $13.59 million, surpassing the estimated $13.03 million by two analysts [4] - Other income was reported at $0.04 million, exceeding the average estimate of $0.03 million from two analysts [4] - Deposit placement services generated $0.37 million, significantly higher than the average estimate of $0.22 million from two analysts [4] - Total noninterest income was $1.11 million, above the average estimate of $0.87 million from two analysts [4] Stock Performance - Shares of Chain Bridge Bancorp, Inc. have returned -1.5% over the past month, while the Zacks S&P 500 composite has increased by +0.8% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Chain Bridge Bancorp, Inc. (CBNA) came out with quarterly earnings of $0.81 per share, beating the Zacks Consensus Estimate of $0.79 per share. This compares to earnings of $0.59 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +3.19%. A quarter ago, it was expected that this company would post earnings of $0.7 per share when it actually produced earnings of $0.72, delivering a surprise of +2.86%.Over the last four quarters, th ...

Exhibit 99.1 Chain Bridge Bancorp, Inc. Reports Fourth Quarter 2025 and Full Year 2025 Financial Results McLean, Virginia — January 28, 2026 Chain Bridge Bancorp, Inc. (NYSE: CBNA) (the "Company"), the holding company for Chain Bridge Bank, N.A. (the "Bank"), today announced financial results for the fourth quarter of 2025 and the twelve months ended December 31, 2025. Fourth Quarter 2025 Financial Highlights (Three Months Ended December 31, 2025): Full Year 2025 Financial Highlights (Twelve Months Ended De ...

Core Insights - Wenlay has launched a new cross-chain bridge solution to enhance asset liquidity and cross-domain settlement in multi-chain ecosystems [1] - The solution features light client verification and multi-path proof aggregation technology for secure and fast asset transfers [3] - A "Risk Isolation Vault" is implemented to manage cross-chain assets in separate pools, ensuring overall liquidity remains unaffected during security issues on any single chain [3] Technical Features - The bridge solution has completed initial compatibility testing with major Rollup protocols and public chains, including Arbitrum, Optimism, and Polygon [4] - Wenlay plans to expand its bridge channels to ecosystems like Avalanche and BNB Chain in the coming months [4] User Engagement and Incentives - Wenlay will introduce a "Cross-Chain Incentive Program" to encourage asset movement across chains, offering low transaction fees and ecosystem token rewards [5] - This initiative aims to enhance bridge liquidity and user engagement in the short term [5] Industry Perspective - Industry experts believe that efficient and low-cost cross-chain bridges will be essential for blockchain infrastructure as multi-chain ecosystems become prevalent [6] - Wenlay's solution is positioned to become a key hub for multi-chain liquidity, showcasing both technical competitiveness and user experience [6]

Financial Performance - Consolidated net income for the nine months ended September 30, 2025, was $14.9 million, down from $17.2 million for the same period in 2024, with earnings per share decreasing from $3.77 to $2.27[145] - For the three months ended September 30, 2025, net income decreased by $2.8 million, or 37.2%, compared to the same period in 2024, primarily due to a $2.2 million, or 72.5%, decrease in noninterest income[184] - Return on average equity decreased to 12.93% for the nine months ended September 30, 2025, down from 25.00% for the same period in 2024[150] Income and Expenses - Net interest income before provision for credit losses was $37.9 million for the nine months ended September 30, 2025, compared to $33.0 million for the same period in 2024, while net interest income after provision was $38.4 million, up from $33.4 million[150] - Noninterest expense increased by $2.874 million, or 15.0%, for the nine months ended September 30, 2025, compared to the same period in 2024, driven by costs associated with operational growth and functioning as a public company[185] - Noninterest income for the nine months ended September 30, 2025, decreased by $5.0 million, or 67.8%, compared to the same period in 2024, reflecting a reduction in deposit placement services income[185] Assets and Liabilities - Total assets increased to $1.5 billion as of September 30, 2025, from $1.4 billion at December 31, 2024, and total deposits rose to $1.4 billion from $1.2 billion[150] - The total debt securities portfolio balance increased to $831.5 million as of September 30, 2025, from $658.8 million at December 31, 2024[150] - Total loans outstanding as of September 30, 2025, were $284.084 million, compared to $300.032 million at the end of 2024[288] Deposits - As of September 30, 2025, approximately 61.1% of total deposits were uninsured by the FDIC, indicating a high level of account balances exceeding coverage limits[165] - Total consolidated deposits increased by $262.4 million, reaching $1.4 billion as of September 30, 2025, with three political organization accounts exceeding 5% of total deposits[294] - Noninterest-bearing deposits accounted for 69.2% of total deposits, while savings, interest-bearing, and money market accounts increased by $85.4 million, or 26.3%, from December 31, 2024, to September 30, 2025[295] Interest Income and Expense - Net interest income for the three months ended September 30, 2025, was $12.276 million, a decrease of $1.370 million, or 10.0%, compared to $13.646 million in 2024[185] - Interest income from taxable securities increased by 57.8% to $5,637,000 in Q3 2025, up from $3,573,000 in Q3 2024[187] - Interest expense for the three months ended September 30, 2025, was $1.158 million, an increase of $136,000, or 13.3%, compared to $1.022 million in 2024[185] Credit Losses and Risk Management - The provision for credit losses for the three months ended September 30, 2025, was $(94,000), a decrease of $24,000, or 20.3%, compared to $(118,000) in 2024[185] - The company employs a multi-pronged approach to address credit risk, including underwriting policies and an internal and external loan review process[265] - The allowance for credit losses (ACL) was $4.110 million, down from $4.514 million at the end of 2024, reflecting a ratio of 1.45% to total loans outstanding[288] Capital and Equity - Stockholders' equity increased to $163.1 million as of September 30, 2025, up $18.9 million from $144.2 million as of December 31, 2024, with net income contributing $14.9 million to this increase[313] - The total risk-based capital ratio was 42.41% as of September 30, 2025, significantly above the well-capitalized requirement of 10.00%, up from 32.94% as of December 31, 2024[316] - Book value per share rose to $24.86 as of September 30, 2025, compared to $21.98 as of December 31, 2024, primarily driven by earnings and improved market value of AFS securities[314] Interest Rate Risk - The one-year cumulative gap in rate-sensitive assets and liabilities was $640.8 million as of September 30, 2025, indicating that assets will reprice before liabilities[319] - Interest rate risk analysis showed that a 100 bps increase in rates could lead to a 4.14% increase in net interest income as of September 30, 2025[324] - The Bank's ALCO meets quarterly to manage interest rate risk and ensure compliance with policies approved by the board of directors[320]

Core Viewpoint - Chain Bridge Bancorp, Inc. (CBNA) has received a Zacks Rank 2 (Buy) upgrade, indicating a positive outlook based on rising earnings estimates, which significantly influence stock prices [1][3]. Earnings Estimates - The Zacks Consensus Estimate for Chain Bridge Bancorp, Inc. is projected at $3.13 per share for the fiscal year ending December 2025, showing no year-over-year change [8]. - Over the past three months, analysts have increased their earnings estimates for the company by 11.6% [8]. Zacks Rating System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 (Strong Buy) stocks historically generating an average annual return of +25% since 1988 [7]. - The upgrade to Zacks Rank 2 places Chain Bridge Bancorp, Inc. in the top 20% of Zacks-covered stocks, suggesting a strong potential for near-term price appreciation [10]. Market Dynamics - Changes in earnings estimates are strongly correlated with stock price movements, influenced by institutional investors who adjust their valuations based on these estimates [4][6]. - Rising earnings estimates and the corresponding rating upgrade reflect an improvement in the company's underlying business, which is expected to drive investor interest and stock price increases [5].

Core Viewpoint - Chain Bridge Bancorp, Inc. (CBNA) reported quarterly earnings of $0.72 per share, exceeding the Zacks Consensus Estimate of $0.70 per share, but down from $1.64 per share a year ago, indicating a significant year-over-year decline in earnings [1][2] Financial Performance - The company achieved an earnings surprise of +2.86% for the recent quarter and had previously delivered a surprise of +59.09% in the prior quarter [1][2] - Revenues for the quarter ended September 2025 were $13.12 million, missing the Zacks Consensus Estimate by 2.43%, and down from $16.73 million year-over-year [2] - Over the last four quarters, the company has surpassed consensus EPS estimates four times and topped consensus revenue estimates three times [2] Stock Performance - Chain Bridge Bancorp, Inc. shares have increased approximately 18.8% since the beginning of the year, outperforming the S&P 500's gain of 16.9% [3] Future Outlook - The company's earnings outlook is crucial for investors, with current consensus EPS estimates at $0.83 for the coming quarter and $3.08 for the current fiscal year, alongside expected revenues of $14.65 million and $55.25 million respectively [7] - The estimate revisions trend was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Banks - Northeast industry, to which Chain Bridge Bancorp belongs, is currently ranked in the top 18% of over 250 Zacks industries, suggesting a favorable industry outlook [8]

Financial Performance - For Q3 2025, Chain Bridge Bancorp reported net income of $4.7 million, a 2.17% increase from $4.6 million in Q2 2025, but a 37.33% decrease from $7.5 million in Q3 2024[4] - Earnings per share (EPS) for Q3 2025 was $0.72, compared to $0.70 in Q2 2025 and $1.64 in Q3 2024[5] - Net income for the three months ended September 30, 2025, was $4,702,000, compared to $4,584,000 for the previous quarter[38] - Net income for the three months ended September 30, 2025, was $4,702 thousand, compared to $7,487 thousand for the same period in 2024, reflecting a decrease of 37.5%[44] - Noninterest income for the three months ended September 30, 2025, was $847 thousand, compared to $3,080 thousand in the same period last year, a decrease of 72.5%[44] Deposits and Assets - Total consolidated deposits increased to $1.4 billion as of September 30, 2025, up from $1.3 billion at June 30, 2025[7] - Total consolidated deposits increased by $114.6 million quarter-over-quarter, driven by political deposit inflows in Q3 2025[28] - Total assets as of September 30, 2025, were $1,534,355,000, compared to $1,445,127,000 as of June 30, 2025[38] - Total assets decreased to $1,534,355 thousand from $1,555,282 thousand year-over-year[42] - Total deposits increased to $1,364,540 thousand from $1,433,868 thousand year-over-year[42] Income and Expenses - Net interest income for Q3 2025 was $12.3 million, a 4.24% increase from $11.8 million in Q2 2025, but a 9.56% decrease from $13.6 million in Q3 2024[12] - Noninterest income for Q3 2025 was $847 thousand, a slight increase from $828 thousand in Q2 2025, but a significant decrease from $3.1 million in Q3 2024[15] - Total noninterest expenses for Q3 2025 were $7.3 million, compared to $7.2 million in Q2 2025 and $7.4 million in Q3 2024[17] - Total noninterest expenses for the nine months ended September 30, 2025, were $22,052 thousand, up from $19,178 thousand in the same period last year, an increase of 9.8%[44] Ratios and Capital - The Company’s Tier 1 leverage ratio was 11.34% as of September 30, 2025, compared to 11.45% at June 30, 2025[24] - Return on average equity for Q3 2025 was 11.67%, down from 11.93% in Q2 2025[38] - The efficiency ratio improved to 55.79% in Q3 2025 from 56.71% in Q2 2025[38] - Tangible common equity to tangible total assets ratio increased to 10.63% from 6.74% year-over-year[40] - Tier 1 capital reached $167,384 thousand, up from $112,223 thousand in the same period last year[40] - The company reported a total regulatory capital ratio of 45.56%, up from 29.29% year-over-year[40] Liquidity and Reserves - As of September 30, 2025, the liquidity ratio was 89.54%, an increase from 88.21% at June 30, 2025[21] - Interest-bearing reserves held at the Federal Reserve increased to $388,213,000 as of September 30, 2025, from $364,841,000 in the previous quarter[38] - The liquidity ratio stood at 89.54% as of September 30, 2025, compared to 88.21% in the previous quarter[38] Trust & Wealth Management - Trust & Wealth Department's total assets under administration (AUA) reached $552.4 million, up from $445.4 million in Q2 2025[25] - Total assets under administration (AUA) in the Trust & Wealth Department reached $552,390,000 as of September 30, 2025, up from $445,364,000 in the previous quarter[38]

Core Insights - Chain Bridge Bancorp, Inc. reported a net income of $4.7 million for the third quarter of 2025, achieving a return on average equity of 11.67% [1] Financial Performance - The financial results cover the third quarter of 2025 and the nine months ended September 30, 2025 [1] - The Company ended the period with a Tier 1 capital level, although specific figures were not provided in the excerpt [1]