Estados financieros detallados de Chain Bridge Bancorp, Inc. (CBNA): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Chain Bridge Bancorp, Inc. registró ingresos de $59.4M en el último ejercicio fiscal, con un CAGR de 5 años del 27.2%. El beneficio neto alcanzó $20.2M, con un CAGR a 5 años del 31.9%.
Márgenes de los últimos 12 meses: margen bruto 95.0%, margen operativo 46.3%, margen neto 40.4%.
Al precio actual de $46.03, CBNA cotiza a un P/E de 11.61 y un ROE del 15.42%. La capitalización bursátil es de $302M.
Cuenta de Resultados (10 años)
| Año | 2015 | 2016 | 2017 | 2018 | 2019 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Ingresos | $11.5M | $13.4M | $14.8M | $17.8M | $18.4M | $30.5M | $34.3M | $57.0M | $59.4M |
| Coste de Ventas | 0 | 0 | 0 | 0 | 0 | $2.1M | $3.9M | $3.9M | $3.9M |
| Beneficio Bruto | $11.5M | $13.4M | $14.8M | $17.8M | $18.4M | $28.4M | $30.4M | $53.1M | $55.5M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $6.8M | $7.7M | $8.7M | $10.0M | $11.0M | $12.7M | $13.8M | $18.0M | $20.9M |
| Gastos Operativos | $6.8M | $7.7M | $8.7M | $10.0M | $11.0M | $18.2M | $19.5M | $26.8M | $30.1M |
| Beneficio Operativo | $4.8M | $5.7M | $6.0M | $7.8M | $7.4M | $10.2M | $10.9M | $26.3M | $25.4M |
| EBITDA | 0 | 0 | 0 | 0 | 0 | $10.7M | $11.4M | $26.8M | $25.8M |
| Gastos por Intereses | 0 | 0 | 0 | 0 | 0 | $1.3M | $4.0M | $3.7M | $4.3M |
| Beneficio Antes de Impuestos | $3.1M | $3.9M | $4.5M | $6.2M | $6.0M | $10.2M | $10.9M | $26.3M | $25.4M |
| Impuestos | $704921 | $934869 | $1.9M | $1.1M | $1.1M | $1.9M | $2.1M | $5.3M | $5.2M |
| Beneficio Neto | $2.4M | $3.0M | $2.6M | $5.1M | $4.9M | $8.3M | $8.8M | $20.9M | $20.2M |
| BPA | $0.70 | $0.87 | $0.75 | $1.27 | $1.23 | $1.29 | $1.38 | $4.17 | $3.08 |
| BPA Diluido | $0.70 | $0.87 | $0.75 | $1.27 | $1.23 | $1.29 | $1.38 | $4.17 | $3.08 |
| Acciones en Circulación (Diluidas) | $3.5M | $3.5M | $3.5M | $4.0M | $4.0M | $6.4M | $6.4M | $5.0M | $6.6M |
Balance (10 años)
| Año | 2015 | 2016 | 2017 | 2018 | 2019 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Caja y Equivalentes | $11.5M | $67.2M | $133.1M | $32.0M | $99.1M | $98.7M | $316.8M | $410.7M | $586.6M |
| Inversiones a Corto | 0 | 0 | 0 | 0 | 0 | $279.6M | $258.1M | $358.3M | $332.4M |
| Cuentas por Cobrar | 0 | 0 | 0 | 0 | 0 | $4.3M | $4.4M | $4.2M | $7.1M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | 0 | 0 | 0 | 0 | 0 | $382.6M | $579.2M | $773.3M | $926.1M |
| Inmovilizado Material | $7.7M | $7.4M | $8.3M | $11.4M | $11.3M | $10.1M | $9.9M | $9.6M | $13.2M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $420.7M | $483.6M | $603.6M | $547.1M | $829.8M | $1.03B | $1.21B | $1.40B | $1.75B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | $20000 | $61000 | $46000 | $32000 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | $5.0M | $5.0M | 0 | 0 |
| Pasivos Corrientes | 0 | 0 | 0 | 0 | 0 | $958.0M | $1.12B | $1.25B | $1.57B |
| Deuda a Largo | 0 | 0 | 0 | $39.3M | 0 | 0 | 0 | 0 | 0 |
| Pasivos Totales | $387.6M | $449.1M | $559.9M | $500.5M | $772.9M | $961.9M | $1.12B | $1.26B | $1.58B |
| Reservas | $12.3M | $15.0M | $17.6M | $22.3M | $26.8M | $48.1M | $56.7M | $77.6M | $97.9M |
| Patrimonio Neto | $33.1M | $34.5M | $43.8M | $46.6M | $56.9M | $68.8M | $83.4M | $144.2M | $169.2M |
| Deuda Total | 0 | 0 | 0 | $39.3M | 0 | $5.0M | $5.0M | 0 | 0 |
| Deuda Neta | -$11.5M | -$67.2M | -$133.1M | $7.3M | -$99.1M | -$373.3M | -$569.9M | -$769.1M | -$919.0M |
| Capital Circulante | 0 | 0 | 0 | 0 | 0 | -$575.4M | -$537.9M | -$476.7M | -$647.2M |
Flujo de Caja (10 años)
| Año | 2015 | 2016 | 2017 | 2018 | 2019 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Beneficio Neto | $2.4M | $3.0M | $2.6M | $5.1M | $4.9M | $8.3M | $8.8M | $20.9M | $20.2M |
| Amortizaciones | 0 | 0 | 0 | 0 | 0 | $501000 | $491000 | $494000 | $470000 |
| Compensación en Acciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cambio en Capital Circulante | 0 | 0 | 0 | 0 | 0 | $5.1M | $963000 | $1.4M | -$1.4M |
| Flujo de Caja Operativo | 0 | 0 | 0 | 0 | 0 | $17.3M | $12.8M | $21.8M | $15.6M |
| Inversiones (CapEx) | 0 | 0 | 0 | 0 | 0 | -$88000 | -$269000 | -$223000 | -$4.1M |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | 0 | 0 | 0 | 0 | 0 | $17.3M | $12.5M | $21.6M | $11.5M |
Crecimiento y Márgenes (10 años)
| Año | 2015 | 2016 | 2017 | 2018 | 2019 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Crecimiento Ingresos (anual) | +16.2% | +10.2% | +20.4% | +3.3% | +65.8% | +12.4% | +66.4% | +4.2% | |
| Crecimiento Beneficio Neto (anual) | +23.3% | -13.4% | +95.4% | -3.5% | +69.5% | +6.6% | +137.2% | -3.4% | |
| Crecimiento BPA (anual) | +24.3% | -13.8% | +69.3% | -3.1% | +4.9% | +7.0% | +202.2% | -26.1% | |
| Cambio en Acciones (anual) | +0.1% | +0.1% | +14.9% | +0.0% | +61.6% | +0.0% | -21.8% | +30.7% | |
| Crecimiento FCF (anual) | -27.3% | +72.0% | -46.8% | ||||||
| Margen Bruto | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 93.1% | 88.7% | 93.2% | 93.4% |
| Margen Operativo | 41.3% | 42.6% | 40.9% | 43.9% | 40.2% | 33.3% | 31.8% | 46.1% | 42.8% |
| Margen EBITDA | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 35.0% | 33.3% | 46.9% | 43.4% |
| Margen Neto | 21.0% | 22.3% | 17.5% | 28.5% | 26.6% | 27.2% | 25.8% | 36.7% | 34.1% |
| Margen FCF | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 56.6% | 36.6% | 37.8% | 19.3% |
| Tasa Impositiva Efectiva | 22.5% | 23.8% | 41.8% | 17.9% | 18.1% | 18.5% | 19.0% | 20.2% | 20.4% |
Datos por Acción (10 años)
| Año | 2015 | 2016 | 2017 | 2018 | 2019 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| FCF por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2.69 | $1.95 | $4.30 | $1.75 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $3.5M | $3.5M | $3.5M | $4.0M | $4.0M | $6.4M | $6.4M | $5.0M | $6.6M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 15.42% |
| Rentabilidad sobre capital invertido | -2.15% |
| Rentabilidad sobre activos | 1.21% |
| Margen bruto | 95.05% |
| Margen operativo | 46.27% |
| Margen neto | 40.36% |
Salud financiera
| Deuda / Patrimonio | 0.00 |
| Ratio corriente | 0.43 |
Ratios Clave (10 años)
| Año | 2015 | 2016 | 2017 | 2018 | 2019 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| P/E | 30.29 | 24.37 | 28.27 | 16.69 | 17.24 | 16.43 | 15.36 | 6.01 | 11.25 |
| P/VC | 2.21 | 2.13 | 1.68 | 1.81 | 1.48 | 1.98 | 1.63 | 0.87 | 1.34 |
| P/V | 6.34 | 5.46 | 4.96 | 4.73 | 4.58 | 4.46 | 3.97 | 2.21 | 3.83 |
| Margen Bruto | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 93.1% | 88.7% | 93.2% | 93.4% |
| Margen Operativo | 41.3% | 42.6% | 40.9% | 43.9% | 40.2% | 33.3% | 31.8% | 46.1% | 42.8% |
| Margen Neto | 21.0% | 22.3% | 17.5% | 28.5% | 26.6% | 27.2% | 25.8% | 36.7% | 34.1% |
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Explorar sector: Financial Services · Banks - Regional
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