Chesapeake Financial Shares, Inc. Logo

Chesapeake Financial Shares, Inc.

CPKF

(2.8)
Stock Price

18,95 USD

0.91% ROA

11.11% ROE

7.6x PER

Market Cap.

95.378.918,00 USD

65.17% DER

2.99% Yield

14.58% NPM

Chesapeake Financial Shares, Inc. Stock Analysis

Chesapeake Financial Shares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Chesapeake Financial Shares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.92x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

ROE in an average range (14.57%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.91%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 DER

The stock has a reasonable amount of debt compared to its ownership (65%), suggesting a balanced financial position and a moderate level of risk.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (86) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

Chesapeake Financial Shares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Chesapeake Financial Shares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Chesapeake Financial Shares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Chesapeake Financial Shares, Inc. Revenue
Year Revenue Growth
1999 4.300.000
2000 4.734.232 9.17%
2001 5.093.457 7.05%
2002 8.128.000 37.33%
2003 8.625.340 5.77%
2004 9.124.548 5.47%
2005 10.855.718 15.95%
2006 12.446.729 12.78%
2007 28.030.122 55.6%
2008 31.479.847 10.96%
2009 32.993.725 4.59%
2010 35.630.007 7.4%
2011 36.514.015 2.42%
2012 35.460.000 -2.97%
2013 37.037.174 4.26%
2014 35.056.222 -5.65%
2015 37.383.976 6.23%
2016 39.092.621 4.37%
2017 44.118.539 11.39%
2018 46.063.469 4.22%
2019 49.029.646 6.05%
2020 52.245.264 6.15%
2021 59.664.000 12.43%
2022 65.259.615 8.57%
2023 65.093.504 -0.26%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Chesapeake Financial Shares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Chesapeake Financial Shares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 3.900.000
2000 4.190.602 6.93%
2001 4.943.204 15.22%
2002 0 0%
2003 6.530.953 100%
2004 7.666.352 14.81%
2005 8.917.144 14.03%
2006 9.967.763 10.54%
2007 10.825.354 7.92%
2008 12.161.294 10.99%
2009 12.213.820 0.43%
2010 12.423.158 1.69%
2011 13.484.318 7.87%
2012 14.769.674 8.7%
2013 14.710.403 -0.4%
2014 15.433.552 4.69%
2015 17.120.369 9.85%
2016 18.200.757 5.94%
2017 18.919.666 3.8%
2018 19.650.192 3.72%
2019 22.146.382 11.27%
2020 23.352.866 5.17%
2021 24.724.186 5.55%
2022 26.457.632 6.55%
2023 30.193.336 12.37%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Chesapeake Financial Shares, Inc. EBITDA
Year EBITDA Growth
1999 9.000.000
2000 10.820.963 16.83%
2001 11.098.445 2.5%
2002 9.465.000 -17.26%
2003 9.970.295 5.07%
2004 10.085.419 1.14%
2005 12.436.290 18.9%
2006 16.976.279 26.74%
2007 21.073.792 19.44%
2008 21.148.117 0.35%
2009 19.870.858 -6.43%
2010 17.253.669 -15.17%
2011 17.379.151 0.72%
2012 17.271.856 -0.62%
2013 14.959.552 -15.46%
2014 12.841.358 -16.5%
2015 13.914.023 7.71%
2016 13.295.451 -4.65%
2017 16.951.701 21.57%
2018 18.913.017 10.37%
2019 14.920.227 -26.76%
2020 15.305.465 2.52%
2021 18.901.447 19.02%
2022 25.520.040 25.93%
2023 12.380.012 -106.14%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Chesapeake Financial Shares, Inc. Gross Profit
Year Gross Profit Growth
1999 4.300.000
2000 4.734.232 9.17%
2001 5.093.457 7.05%
2002 8.128.000 37.33%
2003 8.625.340 5.77%
2004 9.124.548 5.47%
2005 10.855.718 15.95%
2006 12.446.729 12.78%
2007 28.030.122 55.6%
2008 31.479.847 10.96%
2009 32.993.725 4.59%
2010 35.630.007 7.4%
2011 36.514.015 2.42%
2012 35.460.000 -2.97%
2013 37.037.174 4.26%
2014 35.056.222 -5.65%
2015 37.383.976 6.23%
2016 39.092.621 4.37%
2017 44.118.539 11.39%
2018 46.063.469 4.22%
2019 49.029.646 6.05%
2020 52.245.264 6.15%
2021 59.664.000 12.43%
2022 65.259.615 8.57%
2023 65.093.504 -0.26%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Chesapeake Financial Shares, Inc. Net Profit
Year Net Profit Growth
1999 2.100.000
2000 2.227.972 5.74%
2001 2.640.429 15.62%
2002 3.047.000 13.34%
2003 3.284.182 7.22%
2004 3.548.324 7.44%
2005 3.672.514 3.38%
2006 3.950.544 7.04%
2007 4.345.140 9.08%
2008 4.600.907 5.56%
2009 4.834.927 4.84%
2010 5.446.164 11.22%
2011 6.980.708 21.98%
2012 7.675.951 9.06%
2013 7.353.053 -4.39%
2014 6.533.867 -12.54%
2015 7.404.340 11.76%
2016 7.026.400 -5.38%
2017 8.948.933 21.48%
2018 10.819.960 17.29%
2019 11.398.771 5.08%
2020 11.749.391 2.98%
2021 15.009.514 21.72%
2022 17.628.587 14.86%
2023 9.911.584 -77.86%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Chesapeake Financial Shares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 0 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 100%
2010 1 0%
2011 2 0%
2012 2 0%
2013 2 0%
2014 1 0%
2015 2 0%
2016 1 0%
2017 2 0%
2018 2 50%
2019 2 0%
2020 2 0%
2021 3 33.33%
2022 4 0%
2023 2 -50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Chesapeake Financial Shares, Inc. Free Cashflow
Year Free Cashflow Growth
1999 3.300.000
2000 2.478.349 -33.15%
2001 1.735.294 -42.82%
2002 992.284 -74.88%
2003 6.516.554 84.77%
2004 7.539.720 13.57%
2005 5.426.122 -38.95%
2006 4.871.314 -11.39%
2007 1.025.174 -375.17%
2008 4.420.304 76.81%
2009 -370.130 1294.26%
2010 8.056.952 104.59%
2011 9.679.373 16.76%
2012 8.555.636 -13.13%
2013 12.696.542 32.61%
2014 15.769.769 19.49%
2015 3.604.600 -337.49%
2016 9.669.170 62.72%
2017 13.085.932 26.11%
2018 14.247.209 8.15%
2019 9.759.794 -45.98%
2020 4.301.811 -126.88%
2021 21.350.368 79.85%
2022 25.250.628 15.45%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Chesapeake Financial Shares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1999 3.600.000
2000 3.555.938 -1.24%
2001 4.141.073 14.13%
2002 1.245.941 -232.37%
2003 6.516.554 80.88%
2004 7.539.720 13.57%
2005 5.426.122 -38.95%
2006 4.871.314 -11.39%
2007 4.774.669 -2.02%
2008 7.216.762 33.84%
2009 2.257.329 -219.7%
2010 8.346.561 72.95%
2011 11.017.249 24.24%
2012 9.794.069 -12.49%
2013 14.116.499 30.62%
2014 18.890.988 25.27%
2015 6.525.226 -189.51%
2016 11.368.314 42.6%
2017 13.581.038 16.29%
2018 14.926.721 9.02%
2019 11.677.611 -27.82%
2020 8.890.238 -31.35%
2021 24.859.608 64.24%
2022 28.139.370 11.66%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Chesapeake Financial Shares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1999 300.000
2000 1.077.589 72.16%
2001 2.405.779 55.21%
2002 253.657 -848.44%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 3.749.495 100%
2008 2.796.458 -34.08%
2009 2.627.459 -6.43%
2010 289.609 -807.24%
2011 1.337.876 78.35%
2012 1.238.433 -8.03%
2013 1.419.957 12.78%
2014 3.121.219 54.51%
2015 2.920.626 -6.87%
2016 1.699.144 -71.89%
2017 495.106 -243.19%
2018 679.512 27.14%
2019 1.917.817 64.57%
2020 4.588.427 58.2%
2021 3.509.240 -30.75%
2022 2.888.742 -21.48%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Chesapeake Financial Shares, Inc. Equity
Year Equity Growth
1999 15.500.000
2000 18.330.317 15.44%
2001 20.574.938 10.91%
2002 24.091.000 14.59%
2003 24.210.221 0.49%
2004 26.765.817 9.55%
2005 28.570.181 6.32%
2006 30.963.228 7.73%
2007 33.663.121 8.02%
2008 30.551.799 -10.18%
2009 35.269.556 13.38%
2010 41.112.500 14.21%
2011 51.225.268 19.74%
2012 60.908.943 15.9%
2013 61.824.023 1.48%
2014 70.609.577 12.44%
2015 75.957.159 7.04%
2016 77.905.903 2.5%
2017 86.762.022 10.21%
2018 92.726.338 6.43%
2019 105.443.194 12.06%
2020 122.666.483 14.04%
2021 126.136.887 2.75%
2022 79.067.149 -59.53%
2023 85.577.635 7.61%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Chesapeake Financial Shares, Inc. Assets
Year Assets Growth
1999 197.400.000
2000 224.212.716 11.96%
2001 245.003.669 8.49%
2002 293.125.000 16.42%
2003 332.734.141 11.9%
2004 363.547.517 8.48%
2005 382.694.212 5%
2006 418.090.509 8.47%
2007 483.002.032 13.44%
2008 537.951.790 10.21%
2009 586.680.206 8.31%
2010 607.733.094 3.46%
2011 637.953.210 4.74%
2012 667.717.762 4.46%
2013 662.991.833 -0.71%
2014 663.186.230 0.03%
2015 679.058.152 2.34%
2016 720.760.780 5.79%
2017 785.230.830 8.21%
2018 854.766.420 8.14%
2019 958.306.037 10.8%
2020 1.204.733.133 20.45%
2021 1.385.816.175 13.07%
2022 1.328.997.182 -4.28%
2023 1.382.295.095 3.86%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Chesapeake Financial Shares, Inc. Liabilities
Year Liabilities Growth
1999 181.900.000
2000 205.882.399 11.65%
2001 224.428.731 8.26%
2002 269.034.000 16.58%
2003 308.523.920 12.8%
2004 336.781.700 8.39%
2005 354.124.031 4.9%
2006 387.127.281 8.53%
2007 449.338.911 13.85%
2008 507.399.991 11.44%
2009 551.410.650 7.98%
2010 566.620.594 2.68%
2011 586.727.942 3.43%
2012 606.808.819 3.31%
2013 601.167.810 -0.94%
2014 592.576.653 -1.45%
2015 603.100.993 1.75%
2016 642.854.877 6.18%
2017 698.468.808 7.96%
2018 762.040.082 8.34%
2019 852.862.843 10.65%
2020 1.082.066.650 21.18%
2021 1.259.679.288 14.1%
2022 1.249.930.033 -0.78%
2023 1.296.717.460 3.61%

Chesapeake Financial Shares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.39
Net Income per Share
2.67
Price to Earning Ratio
7.6x
Price To Sales Ratio
1.51x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.11
EV to Sales
1.45
EV Over EBITDA
4.97
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.13
FreeCashFlow Yield
0
Market Cap
0,10 Bil.
Enterprise Value
0,09 Bil.
Graham Number
33.01
Graham NetNet
-169.4

Income Statement Metrics

Net Income per Share
2.67
Income Quality
0
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.82
EBT Per Ebit
0.9
Ebit per Revenue
0.2
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.45
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.2
Pretax Profit Margin
0.18
Net Profit Margin
0.15

Dividends

Dividend Yield
0.03
Dividend Yield %
2.99
Payout Ratio
0
Dividend Per Share
0.61

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.11
Return on Tangible Assets
0.01
Days Sales Outstanding
34.35
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
10.63
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
104,92
Book Value per Share
18,17
Tangible Book Value per Share
16.6
Shareholders Equity per Share
18.17
Interest Debt per Share
14.56
Debt to Equity
0.65
Debt to Assets
0.04
Net Debt to EBITDA
-0.21
Current Ratio
15.82
Tangible Asset Value
0,08 Bil.
Net Current Asset Value
-0,80 Bil.
Invested Capital
0.65
Working Capital
0,47 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.58

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Chesapeake Financial Shares, Inc. Dividends
Year Dividends Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Chesapeake Financial Shares, Inc. Profile

About Chesapeake Financial Shares, Inc.

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, as well as certificates of deposit. It also offers mortgage loans, single-family residential and residential construction loans, and consumer loans; and commercial loans, including owner-occupied commercial development, retail, builders/contractors, medical, service and professional, hospitality, nonprofits, marine industry, and agricultural and seafood loans. In addition, the company provides merchant processing services, accounts receivable financing, wealth management and trust, mortgage banking, and cash management services. It operates through 16 branches, including 4 in Northern Neck, 3 in Middle Peninsula, 5 in Williamsburg, and 4 in Richmond. The company was founded in 1900 and is based in Kilmarnock, Virginia.

CEO
Mr. Jeffrey M. Szyperski CPA
Employee
124
Address
97 North Main Street
Kilmarnock, 22482-8501

Chesapeake Financial Shares, Inc. Executives & BODs

Chesapeake Financial Shares, Inc. Executives & BODs
# Name Age
1 Ms. Rebecca A. Foster
Senior Vice President, Chief Operating Officer, Corporate Secretary & Chief Financial Officer
70
2 Mr. Jeffrey M. Szyperski CPA
Chairman, President & Chief Executive Officer
70
3 Mr. John K. O'Shaughnessy
Regional Executive, Executive Vice President & Senior Credit Officer
70

Chesapeake Financial Shares, Inc. Competitors