Subscribe

Chesapeake Financial Shares, Inc. (CPKF)

USD37.78 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 97 North Main Street 22482-8501
Kilmarnock, VA, US
CEO Jeffrey Szyperski
IPO 2004-02-25
CIK 847538 ISIN US16517A1097

Explore sections of this company profile

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-interest checking, savings, money market accounts, and certificates of deposit. Its lending services extend to individuals, providing mortgage, single-family residential, residential construction, and general consumer loans. For businesses, the bank supplies commercial financing tailored to diverse sectors such as owner-occupied commercial development, retail, contractors/builders, medical practices, professional services, hospitality, nonprofits, the marine industry, and agriculture and seafood. Beyond traditional banking, Chesapeake Financial Shares also provides services like merchant processing, accounts receivable financing, wealth management, trust administration, mortgage banking, and cash management. The company operates through 16 branch locations situated in key regions of Virginia: 4 in the Northern Neck, 3 in the Middle Peninsula, 5 in Williamsburg, and 4 in Richmond. Founded in 1900, its corporate headquarters are located in Kilmarnock, Virginia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
USD37.78 +0.00 (+0.00%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
1.5K
Beta
0.24
Float Shares
3.90M
Free Float %
82.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.14% +0.14% +1.45% +12.36% +42.86% +23.89% +68.67% +79.49% +34.62% +116.72% +1,995.81%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
37.78
DCF (Unlevered) 37.26 -1.4%
DCF (Levered) 54.12 +43.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2026-05 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.24
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +50.3% Q1'26: +79.7% (vs Q1'25)
  • EPS growth
    -12.4% Q1'26: +222.3% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +22.7% (vs Q1'25)
  • ROIC
    Q1'26: +9.3% (vs Q1'25)
  • Share dilution
    -0.3% Q1'26: -0.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 4.70× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.24) × ERP
WACC = 72% × Ke + 28% × Kd (48.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 37.26 Current price: 37.78
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Revenue
50.43M
est: 58.00M (-13.1%)
57.17M
est: 49.50M (+15.5%)
57.30M
est: 53.80M (+6.5%)
63.01M
est: 60.70M (+3.8%)
68.45M
est: 62.90M (+8.8%)
81.15M
est: 73.74M (+10.0%)
68.04M
est: 68.90M (-1.3%)
102.23M
est: 79.30M (+28.9%)
86.70M
86.70M – 86.70M
+9.3% YoY
EBITDA
13.94M
est: 14.73M (-5.4%)
14.92M
est: 12.57M (+18.7%)
15.31M
est: 13.67M (+12.0%)
18.90M
est: 15.42M (+22.6%)
22.33M
est: 15.98M (+39.8%)
14.61M
est: 18.73M (-22.0%)
13.38M
est: 15.39M (-13.1%)
11.69M
est: 17.72M (-34.0%)
19.37M
19.37M – 19.37M
+9.3% YoY
EBIT
12.20M
est: 13.49M (-9.6%)
13.30M
est: 11.51M (+15.5%)
13.80M
est: 12.51M (+10.2%)
17.31M
est: 14.12M (+22.6%)
20.45M
est: 14.63M (+39.8%)
12.34M
est: 17.15M (-28.0%)
13.38M
est: 14.28M (-6.4%)
11.69M
est: 16.44M (-28.9%)
17.97M
17.97M – 17.97M
+9.3% YoY
Net Income
10.82M
est: 10.63M (+1.8%)
11.40M
est: 10.63M (+7.3%)
11.75M
est: 11.33M (+3.7%)
15.01M
est: 14.88M (+0.9%)
17.63M
est: 15.16M (+16.3%)
10.12M
est: 11.81M (-14.3%)
11.43M
est: 10.93M (+4.6%)
10.00M
est: 15.07M (-33.6%)
18.37M
18.37M – 18.37M
+21.9% YoY
SGA
21.16M
est: 26.74M (-20.9%)
23.20M
est: 22.82M (+1.7%)
24.34M
est: 24.80M (-1.8%)
26.14M
est: 27.98M (-6.6%)
27.88M
est: 29.00M (-3.9%)
30.77M
est: 33.99M (-9.5%)
46.18M
est: 31.06M (+48.7%)
38.22M
est: 35.75M (+6.9%)
39.08M
39.08M – 39.08M
+9.3% YoY
EPS
2.20
est: 2.25 (-2.2%)
2.31
est: 2.25 (+2.7%)
2.41
est: 2.40 (+0.4%)
3.11
est: 3.15 (-1.3%)
3.74
est: 3.21 (+16.5%)
2.15
est: 2.50 (-14.0%)
2.42
est: 2.32 (+4.3%)
2.12
est: 3.20 (-33.8%)
3.90
3.90 – 3.90
+21.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-22 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-21 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-20 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-19 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-18 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-15 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-14 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-13 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-11 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-08 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-05-07 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-05-06 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-05-04 A- 4/5 4/5 4/5 4/5 2/5 4/5 3/5
2026-05-01 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-04-30 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-04-29 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-04-28 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-04-24 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-04-23 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-22 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5
2026-04-21 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-20 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-17 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5
2026-04-16 B+ 3/5 4/5 3/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-671.7K
OE per share TTM
-0.14
Owner's Yield
-0.41%
Maintenance CapEx ratio
24.39%
Maint CapEx / Avg PPE
30.0%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
3
Total invested
5.06M
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
3
+1 vs prev Q
New positions
1
Closed positions
0
Increased
1
Reduced
1
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 SALOMON & LUDWIN, LLC -91.0 (-100.0%) -2.6K (-100.0%) 0.00% -0.002 pp 0.00% 0.000 pp USD 2 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
94.3K
Shares Outstanding
4.70M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2003-01-31 DEF 14A
2002-03-08 DEF 14A
2001-03-06 DEF 14A
2000-03-13 DEF 14A
2000-03-13 DEF 14A
1999-03-10 DEF 14A
1999-03-10 DEF 14A
1998-03-11 DEF 14A
1998-03-11 DEF 14A
1997-03-12 DEF 14A
1997-03-12 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2025-03-11 D
2021-06-29 D
2003-02-28 SC 13E3/A
2003-02-28 15-12G
2003-01-31 SC 13E3/A
2003-01-31 DEF 14A
2003-01-24 8-K
2003-01-23 SC 13E3/A
2003-01-23 PRER14A
2002-12-12 8-K

Executive team

NameTitleCompensationGender
Jeffrey Szyperski Chairman, President & Chief Executive Officer 207.9K male
John K. O'Shaughnessy Regional Executive, Executive Vice President & Senior Credit Officer male
Rebecca A. Foster Executive Vice President, Chief Operating Officer, Chief Financial Officer & Corporate Secretary female
ESG Rating
B+
BANKS - REGIONAL
2000
E (Environmental)
78.0 / 64.3
Company / Sector avg.
S (Social)
62.3 / 76.5
Company / Sector avg.
G (Governance)
60.3 / 75.5
Company / Sector avg.
ESG Total
66.9 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits