Chesapeake Financial Shares
Market Cap
US$113.1m
Last Updated
2019/10/19 23:47 UTC
Data Sources
Company Financials +
Executive Summary
Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for corporate and individual clients in Virginia.
Snowflake
Fundamentals
Excellent balance sheet, good value and pays a dividend.
Similar Companies
Share Price & News
How has Chesapeake Financial Shares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
1.2%
CPKF
2.7%
US Banks
0.4%
US Market
1 Year Return
-10.3%
CPKF
2.7%
US Banks
6.9%
US Market
Return vs Industry: CPKF underperformed the US Banks industry which returned 2.7% over the past year.
Return vs Market: CPKF underperformed the US Market which returned 6.9% over the past year.
Shareholder returns
| CPKF | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.2% | 2.7% | 0.4% |
| 30 Day | 4.0% | 0.7% | -1.1% |
| 90 Day | 5.2% | 3.0% | -0.5% |
| 1 Year | -8.4%-10.3% | 5.7%2.7% | 9.3%6.9% |
| 3 Year | 47.2%38.6% | 52.1%41.6% | 45.8%36.4% |
| 5 Year | 103.9%81.8% | 69.2%50.7% | 62.9%45.1% |
Price Volatility Vs. Market
How volatile is Chesapeake Financial Shares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Chesapeake Financial Shares undervalued compared to its fair value and its price relative to the market?
18.3%
Undervalued compared to fair value
Share Price vs. Fair Value
Undervalued: CPKF ($23.1) is trading below our estimate of fair value ($28.27)
Significantly Undervalued: CPKF is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: CPKF is good value based on its PE Ratio (10.1x) compared to the Banks industry average (12.6x).
PE vs Market: CPKF is good value based on its PE Ratio (10.1x) compared to the US market (17.6x).
Price to Earnings Growth Ratio
Low PEG Ratio: CPKF's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CPKF is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is Chesapeake Financial Shares forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
-0.5%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CPKF's earnings are forecast to decline over the next 3 years (-0.5% per year).
Earnings vs Market: CPKF's earnings are forecast to decline over the next 3 years (-0.5% per year).
High Growth Earnings: CPKF's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CPKF's revenue (3.7% per year) is forecast to grow slower than the US market (7.2% per year).
High Growth Revenue: CPKF's revenue (3.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: Insufficient data to determine if CPKF's Return on Equity is forecast to be high in 3 years time
Next Steps
Past Performance
How has Chesapeake Financial Shares performed over the past 5 years?
11.6%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: CPKF's earnings have grown by 11.6% per year over the past 5 years.
Accelerating Growth: CPKF's earnings growth over the past year (11.4%) is below its 5-year average (11.6% per year).
Earnings vs Industry: CPKF earnings growth over the past year (11.4%) underperformed the Banks industry 29.6%.
Return on Equity
High ROE: CPKF's Return on Equity (11.1%) is considered low.
Return on Assets
ROA vs Industry: CPKF has a higher Return on Assets than the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate CPKF's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is Chesapeake Financial Shares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: CPKF has a low level of unsold assets or inventory.
Debt Coverage by Assets: CPKF's debt is covered by short term assets (assets are 17.296420x debt).
Financial Institutions Analysis
Asset Level: CPKF's level of assets compared to its equity is low.
Allowance for Bad Loans: CPKF has a low allowance for bad loans.
Low Risk Liabilities: CPKF's liabilities are made up of primarily low risk sources of funding.
Loan Level: CPKF has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CPKF's loans are broadly funded by customer deposits.
Level of Bad Loans: CPKF has an appropriate level of bad loans (1.68%)
Next Steps
Dividend
What is Chesapeake Financial Shares's current dividend yield, its reliability and sustainability?
2.09%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: CPKF's dividend (2.09%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: CPKF's dividend (2.09%) is low compared to the top 25% of dividend payers in the US market (3.73%).
Stable Dividend: CPKF's dividends per share have been stable in the past 10 years.
Growing Dividend: CPKF's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (20.7%), CPKF's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
What is the CEO of Chesapeake Financial Shares's salary, the management and board of directors tenure and is there insider trading?
16.3yrs
Average board tenure
CEO
Jeff Szyperski (58yo)
29.3yrs
Tenure
US$224,823
Compensation
Mr. Jeffrey M. Szyperski, also known as Jeff, is Chairman and President of Chesapeake Financial Shares and Chesapeake Bank. Mr. Szyperski is Chief Executive Officer of Chesapeake Financial Shares, Inc. sin ...
Board Age and Tenure
16.3yrs
Average Tenure
70yo
Average Age
Experienced Board: CPKF's board of directors are seasoned and experienced ( 16.3 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Management Team
Jeff Szyperski (58yo)
Chairman
- Tenure: 29.3yrs
- Compensation: US$224.82k
Becky Foster (46yo)
SVP, Corporate Secretary & CFO
- Tenure: 5.3yrs
Board Members
Douglas Monroe (86yo)
Vice Chairman of the Board
- Tenure: 0yrs
- Compensation: US$394.06k
Eugene Hudnall (79yo)
Director
- Tenure: 36.8yrs
Bruce Robertson (73yo)
Director
- Tenure: 20.8yrs
William Shumadine (74yo)
Director
- Tenure: 22.8yrs
Jeff Szyperski (58yo)
Chairman
- Tenure: 29.3yrs
- Compensation: US$224.82k
John Hunt (72yo)
Director
- Tenure: 4.8yrs
- Compensation: US$134.61k
Thomas Tingle (61yo)
Director
- Tenure: 12.5yrs
Robert Singley (68yo)
Director
- Tenure: 15.8yrs
Thomas Kellum (48yo)
Director
- Tenure: 13.8yrs
David Bush (61yo)
Director of Chesapeake Bank
- Tenure: 16.8yrs
Company Information
Chesapeake Financial Shares, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Chesapeake Financial Shares, Inc.
- Ticker: CPKF
- Exchange: OTCPK
- Founded: 1900
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$113.109m
- Shares outstanding: 4.90m
- Website: https://www.chesapeakefinancialshares.com
Number of Employees
Location
- Chesapeake Financial Shares, Inc.
- 97 North Main Street
- PO Box 1419
- Kilmarnock
- Virginia
- 22482
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CPKF | OTCPK (Pink Sheets LLC) | Yes | Common Stock Voting | US | USD | Sep 1995 |
Biography
Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for corporate and individual clients in Virginia. It operates ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/19 23:47 |
| End of Day Share Price | 2019/10/17 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.