CPKF

Chesapeake Financial Shares, Inc.

Financial Services · $181M market cap

Is CPKF undervalued?

Share price

$38.50

as of Oct 21, 2026

Fair value

$60.73

Sticker Price

Payback Price

$24.29

buy price

Undervalued

CPKF is Undervalued: at $38.50 it trades 37% below its fair value of $60.73. Its buy price (Payback Price) is $24.29, 37% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth7.2% a year✗
Equity per share growth8.6% a year✗
Sales growth4.1% a year✗
Free cash flow growth8.1% a year✗
Return on invested capital2.6%✗

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Questions about CPKF

What is CPKF's fair value?

$60.73 as of Oct 21, 2026, worked out with the Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

At what price would CPKF be a buy?

At or below its buy price of $24.29, a 60% margin of safety below its fair value.

Is CPKF undervalued right now?

CPKF is Undervalued: at $38.50 it trades 37% below its fair value and 58% above its buy price.

How can I check CPKF's value myself?

Use the free Sticker Price calculator, already filled with CPKF's numbers. Change the growth, P/E or required return and see what you'd pay. Open the calculator →

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About Chesapeake Financial Shares, Inc.

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.

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Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of Oct 21, 2026. How the Payback Price works