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Chesapeake Financial Shares
(OTC:CPKF)
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Rating:67Neutral
Price Target:
$42.00
â–²(6.60% Upside)
Action:Reiterated
Date:08/06/26
The score is held back primarily by financial quality concerns—especially the latest-year negative operating and free cash flow alongside margin/ROE compression—despite improved leverage and a strong revenue rebound. Offsetting these risks, technicals are favorable (price above key moving averages with positive MACD) and valuation is appealing with a low P/E and a modest dividend yield.
Positive Factors
Improved leverage
A materially lower debt-to-equity ratio reduces balance-sheet risk and increases capital flexibility. Over the next 2-6 months this permits more conservative funding, greater loss absorption capacity and a stronger platform to support measured loan growth without stressing liquidity or regulatory capital.
Negative Factors
Negative operating & free cash flow
A switch to negative operating and free cash flow signals weakening cash generation and raises questions about earnings quality. Over months, this can constrain dividend capacity, increase reliance on balance-sheet financing, and reduce flexibility for reinvestment or loan growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
A materially lower debt-to-equity ratio reduces balance-sheet risk and increases capital flexibility. Over the next 2-6 months this permits more conservative funding, greater loss absorption capacity and a stronger platform to support measured loan growth without stressing liquidity or regulatory capital.
Read all positive factors
Chesapeake Financial Shares (CPKF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$181.58M
Dividend Yield1.7%
Average Volume (3M)1.34K
Price to Earnings (P/E)7.4
Beta (1Y)-0.01
Revenue Growth28.95%
EPS Growth475.86%
CountryUS
Employees124
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.30
Shares Outstanding4,702,823
10 Day Avg. Volume1,477
30 Day Avg. Volume1,345
Financial Highlights & Ratios
PEG Ratio-1.07
Price to Book (P/B)1.00
Price to Sales (P/S)1.30
P/FCF Ratio-30.14
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.9
Revenue Forecast (FY)$86.70M
Chesapeake Financial Shares Business Overview & Revenue Model
Company Description
Chesapeake Financial Shares, Inc. functions as the parent company for Chesapeake Bank, delivering a wide array of banking and financial services throughout Virginia. The institution offers various deposit accounts, including interest-bearing and n...
How the Company Makes Money
CPKF primarily makes money through its banking operations. The largest revenue driver for a typical community bank holding company is net interest income: the spread between interest earned on loans and other interest-earning assets (such as secur...
Chesapeake Financial Shares Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
66
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 121.89M | 102.23M | 68.04M | 81.15M | 68.45M | 63.01M |
| Gross Profit | 90.46M | 70.66M | 68.04M | 61.78M | 64.32M | 58.22M |
| EBITDA | 30.06M | 11.69M | 15.68M | 14.61M | 22.33M | 18.90M |
| Net Income | 24.88M | 10.00M | 11.43M | 10.12M | 17.63M | 15.01M |
Balance Sheet | ||||||
| Total Assets | 1.73B | 1.67B | 1.52B | 1.47B | 1.33B | 1.39B |
| Cash, Cash Equivalents and Short-Term Investments | 30.10M | 32.16M | 31.25M | 552.10M | 500.09M | 647.81M |
| Total Debt | 93.34M | 62.74M | 25.16M | 87.58M | 71.13M | 124.20M |
| Total Liabilities | 1.59B | 1.54B | 1.41B | 1.37B | 1.25B | 1.26B |
| Stockholders Equity | 144.06M | 133.28M | 111.74M | 98.54M | 79.07M | 126.14M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -4.41M | 19.10M | 12.09M | 25.25M | 21.35M |
| Operating Cash Flow | 0.00 | -2.35M | 19.83M | 12.23M | 28.14M | 24.86M |
| Investing Cash Flow | 0.00 | -110.89M | -70.43M | -115.08M | -6.58M | -241.78M |
| Financing Cash Flow | 0.00 | 116.47M | 45.61M | 112.70M | -15.95M | 168.06M |
Chesapeake Financial Shares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $123.31M | 10.04 | 9.80% | 1.81% | 7.51% | 21.12% | |
75 Outperform | $134.69M | 15.38 | 6.50% | 2.09% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $181.58M | 7.41 | 18.46% | 1.70% | 28.95% | 475.86% | |
66 Neutral | $112.25M | 17.50 | 5.23% | 3.25% | -0.79% | 11.59% | |
58 Neutral | $106.85M | -27.46 | -2.50% | 1.52% | -11.21% | -176.24% | |
56 Neutral | $101.67M | -81.25 | -1.08% | 2.50% | -7.07% | 151.23% |
* Financial Sector Average
CPKF
Chesapeake Financial Shares
39.27
17.92
83.92%
LSBK
Lake Shore Bancorp
17.23
4.78
38.34%
MGYR
Magyar Bancorp
19.07
2.32
13.86%
PBHC
Pathfinder Bancorp
16.25
2.28
16.28%
PROV
Provident Financial Holdings
18.02
3.10
20.80%
RVSB
Riverview Bancorp
5.25
0.16
3.10%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.