Chain Bridge Bancorp, Inc. (CBNA) vs Franklin Financial Services Corp. (FRAF)

Chain Bridge Bancorp, Inc. and Franklin Financial Services Corp. are both Banks Regional companies. Chain Bridge Bancorp, Inc. and Franklin Financial Services Corp. are of similar size ($329.7M and $313.1M). Chain Bridge Bancorp, Inc. trades at the lower P/E: 12.2× against 12.8×. Chain Bridge Bancorp, Inc. grew revenue faster over the last twelve months: 14.4% against 9.78%. Chain Bridge Bancorp, Inc. has the higher net margin (38.6% vs 18.2%) and the lower return on invested capital (0.00% vs 10.7%). Across the 16 metrics below, Chain Bridge Bancorp, Inc. leads on 8 and Franklin Financial Services Corp. on 8.

Valuation

Metric CBNA FRAF Banks Regional median
P/E 12.24 12.76 12.02
P/S 4.73 2.32 2.36
P/B 1.78 1.71 1.23
Price to free cash flow 19.54 7.52 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.17% 7.84% 8.21%
Free cash flow yield 5.12% 13.30% 9.23%

Profitability

Metric CBNA FRAF Banks Regional median
Gross margin 94.59% 69.92% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 38.64% 18.20% 18.82%
Free cash flow margin 24.21% 30.90% 17.97%
Return on equity 15.64% 14.45% 10.28%
Return on assets 1.46% 1.07% 1.13%
Return on invested capital 0.00% 10.71% 8.45%

Growth

Metric CBNA FRAF Banks Regional median
Revenue growth (TTM) 14.44% 9.78% 6.37%
EPS growth (last fiscal year) (26.14%) 88.84% 18.85%
Revenue growth, 5-year CAGR — 16.96% 12.65%
Net income growth, 5-year CAGR — 10.64% 9.81%

Health

Metric CBNA FRAF Banks Regional median
Debt to equity 0.00 1.09 0.17
Current ratio 0.55 0.93 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBNA FRAF Banks Regional median
Dividend yield — 2.40% 2.49%
Payout ratio — 0.31 0.29

Size

Metric CBNA FRAF Banks Regional median
Market cap 329.71m 313.05m 934.85m

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