Chesapeake Financial Shares (CPKF) AI Stock Analysis

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Chesapeake Financial Shares

(Other OTC:CPKF)

Select Model

Rating:57Neutral

Price Target:$40.00▲(4.49% Upside)

Action:reiterated

Date:11/07/26

The score is held back primarily by weakened financial quality—especially the latest-year shift to negative operating and free cash flow and materially lower margins—despite improved leverage. Technical indicators also point to muted near-term momentum. Offsetting these risks, the stock screens as relatively inexpensive on P/E with a modest dividend yield, supporting a mid-range overall score.

Positive Factors

Revenue reboundThe 2025 revenue rebound shows the banking franchise can regain growth after a weaker period. Sustained expansion in loans, deposits, or fee-generating activity could broaden the earnings base and provide a foundation for improved operating leverage over the next several quarters.

Negative Factors

Negative cash generationThe shift from consistently positive prior-year cash generation to negative operating and free cash flow raises concerns about earnings quality and operating volatility. If sustained, weaker internally generated cash could constrain capital allocation, balance-sheet growth, and resilience during periods of banking stress.

Chesapeake Financial Shares (CPKF) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $179.53M
Dividend Yield: 1.82%
Average Volume (3M): 906
Price to Earnings (P/E): 7.0
Beta (1Y): 0.00
Revenue Growth: 26.74%
EPS Growth: 289.32%
Country: US
Employees: 124
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 non-...

How the Company Makes Money

Chesapeake Financial Shares makes money primarily through its bank subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is driven by the spread between interest earned on loans and other interest-ea...

Chesapeake Financial Shares Financial Statement Overview

Summary

Mixed fundamentals: 2025 revenue rebounded strongly (+17.2%), and leverage improved (debt-to-equity ~0.47). However, profitability compressed materially (net margin ~9.8% vs ~16.8% in 2024) and the latest year showed a sharp deterioration in cash generation with negative operating cash flow and negative free cash flow, raising earnings-quality and near-term risk concerns.

Income Statement

62Positive

Balance Sheet

66Positive

Cash Flow

34Negative

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	123.81M	102.23M	68.04M	81.15M	68.45M	63.01M
Gross Profit	92.31M	70.66M	68.04M	61.78M	64.32M	58.22M
EBITDA	30.79M	11.69M	15.68M	14.61M	22.33M	18.90M
Net Income	25.60M	10.00M	11.43M	10.12M	17.63M	15.01M
Balance Sheet
Total Assets	1.74B	1.67B	1.52B	1.47B	1.33B	1.39B
Cash, Cash Equivalents and Short-Term Investments	30.57M	32.16M	31.25M	552.10M	500.09M	647.81M
Total Debt	115.01M	62.74M	25.16M	87.58M	71.13M	124.20M
Total Liabilities	1.60B	1.54B	1.41B	1.37B	1.25B	1.26B
Stockholders Equity	138.93M	133.28M	111.74M	98.54M	79.07M	126.14M
Cash Flow
Free Cash Flow	0	-4.41M	19.10M	12.09M	25.25M	21.35M
Operating Cash Flow	0	-2.35M	19.83M	12.23M	28.14M	24.86M
Investing Cash Flow	0	-110.89M	-70.43M	-115.08M	-6.58M	-241.78M
Financing Cash Flow	0	116.47M	45.61M	112.70M	-15.95M	168.06M

Chesapeake Financial Shares Technical Analysis

Technical Analysis SentimentNeutral

Last Price38.28

Price Trends

50DMA38.53Negative

100DMA38.32Negative

200DMA35.58Positive

Market Momentum

MACD-0.08Negative

RSI47.43Neutral

STOCH57.22Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CPKF, the sentiment is Neutral. The current price of 38.28 is below the 20-day moving average (MA) of 38.32, below the 50-day MA of 38.53, and above the 200-day MA of 35.58, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 47.43 is Neutral, neither overbought nor oversold. The STOCH value of 57.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CPKF.

Chesapeake Financial Shares Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CPKF against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LSBK	79Outperform	$145.26M	16.65	5.85%	1.90%	4.31%	24.65%
MGYR	78Outperform	$140.60M	10.75	10.23%	1.91%	8.91%	30.08%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PROV	65Neutral	$111.96M	17.84	5.18%	3.07%	0.19%	13.85%
PBHC	58Neutral	$104.04M	-41.47	0.08%	2.43%	-6.61%	-78.36%
CPKF	57Neutral	$179.53M	7.00	18.52%	1.82%	26.74%	289.32%
RVSB	49Neutral	$128.30M	-44.47	-2.02%	1.24%	-10.03%	-162.70%

* Financial Sector Average

Performance Comparison

CPKF and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CPKF	Chesapeake Financial	38.28	14.66	62.07%
LSBK	Lake Shore Bancorp	18.99	5.04	36.09%
MGYR	Magyar Bancorp	21.94	5.44	32.96%
PBHC	Pathfinder	16.70	2.29	15.88%
PROV	Provident Financial Holdings	18.24	3.71	25.52%
RVSB	Riverview	6.47	1.48	29.76%

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.

Date of analysis: Nov 06, 2026

Chesapeake Financial Shares AI Stock Analysis