CPKF Stock Overview

Operates as the bank holding company for Chesapeake Bank that provides various banking products and services for individuals and businesses in the United States. More details

CPKF fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 72.4% below our estimate of its fair value

Earnings grew by 12.9% over the past year

Pays a reliable dividend of 3.34%

Risk Analysis

Earnings have declined by 1.9% per year over past 5 years

Does not have a meaningful market cap ($91M)

Community vs My Fair Value

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Chesapeake Financial Shares, Inc. Competitors

Security Federal

OTCPK:SFDL

US$93.2m

CNB Bank Shares

OTCPK:CNBN

US$91.0m

Cornerstone Bancorp

OTCPK:CNBP

US$85.5m

Peoples Financial

OTCPK:PFBX

US$88.7m

Price History & Performance

Summary of share price highs, lows and changes for Chesapeake Financial Shares
Historical stock prices
Current Share Price	US$19.15
52 Week High	US$20.05
52 Week Low	US$16.45
Beta	0.29
1 Month Change	2.13%
3 Month Change	4.08%
1 Year Change	11.99%
3 Year Change	-34.19%
5 Year Change	3.51%
Change since IPO	1,104.25%

Recent updates

Shareholder Returns

	CPKF	US Banks	US Market
7D	0%	4.8%	6.8%
1Y	12.0%	11.7%	5.9%

Return vs Industry: CPKF matched the US Banks industry which returned 11.7% over the past year.

Return vs Market: CPKF exceeded the US Market which returned 5.9% over the past year.

Price Volatility

Is CPKF's price volatile compared to industry and market?
CPKF volatility
CPKF Average Weekly Movement	3.1%
Banks Industry Average Movement	4.6%
Market Average Movement	7.7%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	4.1%

Stable Share Price: CPKF has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CPKF's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1900	n/a	Jeff Szyperski	www.chesapeakefinancialshares.com

Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for individuals and businesses in the United States. The company accepts interest and noninterest checking, savings, and money market accounts; and variable-rate and fixed-term money market accounts, as well as certificates of deposit. It also offers mortgage, and single-family residential and construction/land loans; commercial loans, which include owner-occupied commercial development, retail, builders/contractors, medical, service and professional, hospitality, nonprofits, marine industry, and agricultural and seafood loans; and consumer and other loans.

Chesapeake Financial Shares, Inc. Fundamentals Summary

How do Chesapeake Financial Shares's earnings and revenue compare to its market cap?
CPKF fundamental statistics
Market cap	US$91.03m
Earnings (TTM)	US$11.43m
Revenue (TTM)	US$68.04m

7.8x

P/E Ratio

0.8x

P/B Ratio

Is CPKF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CPKF income statement (TTM)
Revenue	US$68.04m
Cost of Revenue	US$0
Gross Profit	US$68.04m
Other Expenses	US$56.61m
Earnings	US$11.43m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.45
Gross Margin	100.00%
Net Profit Margin	16.80%
Debt/Equity Ratio	28.2%

How did CPKF perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

26%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/04/15 23:04
End of Day Share Price	2025/04/15 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Chesapeake Financial Shares, Inc. is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Ann Heffron	Zacks Investment Research Inc.
Ann Heffron	Zacks Small-Cap Research