Chesapeake Financial Shares Inc (CPKF)
OTHER OTC:CPKF
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Chesapeake Financial Shares
(OTC:CPKF)
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Rating:66Neutral
Price Target:
$38.00
â–²(34.18% Upside)
Action:Downgraded
Date:03/07/26
The score is held back primarily by weakened financial quality—especially the 2025 shift to negative operating/free cash flow and lower margins/ROE—despite improved leverage. Offsetting this, technicals show a strong uptrend with positive momentum, and valuation is attractive with a very low P/E and a modest dividend yield.
Positive Factors
Improved leverage
A materially lower debt-to-equity (~0.47) is a durable improvement to balance-sheet risk, giving the bank more capacity to absorb credit stress, fund organic growth, and allocate capital without relying on aggressive external financing. This enhances financial flexibility across economic cycles.
Negative Factors
Negative cash generation
The shift to negative operating and free cash flow is a structural concern: it weakens internal funding for loans, capex, and dividends, and raises reliance on external financing. Persistent negative cash conversion undermines earnings quality and constrains strategic options over months to years.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
A materially lower debt-to-equity (~0.47) is a durable improvement to balance-sheet risk, giving the bank more capacity to absorb credit stress, fund organic growth, and allocate capital without relying on aggressive external financing. This enhances financial flexibility across economic cycles.
Read all positive factors
Chesapeake Financial Shares (CPKF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$163.38M
Dividend Yield2.31%
Average Volume (3M)1.34K
Price to Earnings (P/E)8.2
Beta (1Y)0.05
Revenue Growth24.92%
EPS Growth370.58%
CountryUS
Employees124
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.92
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 Cap1.59
Enterprise Value/Revenue2.98
Enterprise Value/Gross Profit4.12
Enterprise Value/Ebitda52.66
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. operates as the bank holding company for Chesapeake Bank that provides various banking products and services in Virginia. The company accepts interest and noninterest checking, savings, and money market accounts, ...
How the Company Makes Money
null...
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 | 87.23M | 102.23M | 68.04M | 81.15M | 68.45M | 63.01M |
| Gross Profit | 62.96M | 70.66M | 68.04M | 61.78M | 64.32M | 58.22M |
| EBITDA | 4.93M | 11.69M | 13.38M | 14.61M | 22.33M | 18.90M |
| Net Income | 4.34M | 10.00M | 11.43M | 10.12M | 17.63M | 15.01M |
Balance Sheet | ||||||
| Total Assets | 1.63B | 1.67B | 1.52B | 1.47B | 1.33B | 1.39B |
| Cash, Cash Equivalents and Short-Term Investments | 630.88M | 32.16M | 31.25M | 552.10M | 500.09M | 647.81M |
| Total Debt | 52.48M | 62.74M | 25.16M | 87.58M | 71.13M | 124.20M |
| Total Liabilities | 1.52B | 1.54B | 1.41B | 1.37B | 1.25B | 1.26B |
| Stockholders Equity | 116.67M | 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 Technical Analysis
Positive
28.32
Price Trends
34.04
Positive
32.33
Positive
28.04
Positive
Market Momentum
0.17
Positive
55.14
Neutral
62.93
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CPKF, the sentiment is Positive. The current price of 28.32 is below the 20-day moving average (MA) of 34.59, below the 50-day MA of 34.04, and above the 200-day MA of 28.04, indicating a bullish trend. The MACD of 0.17 indicates Positive momentum. The RSI at 55.14 is Neutral, neither overbought nor oversold. The STOCH value of 62.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CPKF.
Chesapeake Financial Shares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $111.32M | 9.45 | 9.18% | 1.81% | 8.55% | 25.00% | |
73 Outperform | $121.47M | 14.40 | 6.30% | 2.12% | 6.16% | 68.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $163.38M | 8.23 | 15.51% | 2.31% | 24.92% | 370.58% | |
65 Neutral | $105.81M | 17.67 | 4.77% | 3.50% | -1.84% | -3.36% | |
60 Neutral | $116.19M | -26.95 | -2.73% | 1.51% | -11.57% | -191.02% | |
50 Neutral | $88.22M | -21.67 | -3.21% | 2.86% | -4.84% | -557.25% |
* Financial Sector Average
CPKF
Chesapeake Financial Shares
34.75
14.75
73.78%
LSBK
Lake Shore Bancorp
15.84
4.44
38.91%
MGYR
Magyar Bancorp
17.05
1.56
10.06%
PBHC
Pathfinder Bancorp
13.87
-0.97
-6.54%
PROV
Provident Financial Holdings
16.92
1.55
10.08%
RVSB
Riverview Bancorp
5.66
0.23
4.27%
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.