C

Chain Bridge Bancorp, Inc. — Earnings Quality Grade C

CBNA · Financial Services

Some red flags

Revenue
$55M
2025
Net Income
$20M
2025
Gross Margin
Free Cash Flow
$11M
01

Screening Summary

7
Passed
3
Watch
1
Failed
M-Score

Management Signals

No recent CEO, CFO, board, or accounting leadership signals found in SEC 8-K filings.
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO surged by 18 days (29 → 47)

Small-cap context: DSO swings on a small revenue base are more often quarterly customer-mix effects than red flags.

!
A2AR vs Revenue Growth

AR growth 68.0% exceeds revenue growth 3.3%

A3Revenue vs CFFO

Revenue 3.3%, CFFO -28.5%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

!
B2CapEx vs Revenue

CapEx growth 1743.9% is >2x revenue growth 3.3%

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

!
C1CFFO vs Net Income

CFFO/NI = 0.77. Below 1.0

C2Free Cash Flow

FCF $0.0B, FCF/NI = 0.57

C3Accruals Ratio

Accruals ratio = 0.3%. Low accruals

C4Cash vs Debt

Insufficient data

04

Balance Sheet Health

D1Goodwill + Intangibles

No goodwill. Clean balance sheet

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

No goodwill

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Portfolio monitoring

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Altman Z-Score — Not Applicable

Chain Bridge Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25