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CPCPKF

Chesapeake Financial Shares, Inc.

$CPKF·$185M·Banks - Regional·Financial Services
$39.50+0.3%YTD+39.5%1Y+80.3%
Mentions · last 7 days
2026-07-21: 3 posts2026-07-22: 0 posts2026-07-23: 0 posts2026-07-24: 0 posts2026-07-25: 0 posts2026-07-26: 0 posts2026-07-27: 0 posts30%
Price updated 8m ago·X counts updated 22h ago
CPCPKF
$CPKFChesapeake Financial Shares, Inc.
$39.50+0.25%3 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $CPKF, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-27

The move is getting stronger, with heavier trading behind it.

Virginia community bank at 7x earnings with insurance-stake sale + 25% Q2 growth — quiet micro-cap winner.

Chesapeake Financial Shares is a $180M Virginia community bank micro-cap at $39.40, +39% YTD and +78% over the year, sitting at 100% of the 52-week range — at the absolute high. Beta 0.24 (very defensive).

The operating case is strong:

  • Q2 revenue $34.4M, +25% YoY; prior quarter $28.8M, +80% YoY — sustained double-digit growth for a small bank.
  • Op margin 29.6% Q2 (from 22.7%); EPS $1.75 and $1.15 — real earnings power.
  • Gross margin 74%, ROIC 1.4%, ROE 18.5%, D/E 0.65.
  • PE 7.4, P/S 1.51 — cheap on both metrics for a bank earning 18.5% ROE.
  • FCF yield 0.

The concrete corporate development:

  • Announced sale of interest in Bearing Insurance Group — capital-recycling move; worth reading for realized-gain detail.
  • Head-to-head survey framing vs United Community Banks (UCB).

No X sentiment posts in the bundle. The setup: quiet micro-cap community bank with real earnings acceleration, cheap multiple, and a strategic asset sale. The 52w-high positioning means the market has caught on to some of this; the question is whether the reacceleration is durable. Watch the next quarterly for NIM trend and post-Bearing-sale capital-deployment plans.

What to watch: Post-Bearing-sale capital deployment, next quarterly NIM/loan-growth trend, and any additional strategic moves.

earnings reaccelerationcheap valuationasset sale completedmicrocap bank

Read the AI verdict + X sentiment for $CPKF

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

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.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $CPKF.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.3%YTD
+22.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
7.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.4%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
24.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
18.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
74.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.6Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 21, 2026$1.75$0.86+103.5%
Q1 2026Apr 21, 2026$1.15$0.98+17.3%
Q4 2025Mar 5, 2026$1.37$0.82+67.1%
Q3 2025Oct 22, 2025$1.03$0.64+60.9%
Next earningsWed, Oct 28·consensus EPS $1.01

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$34.4M+24.9%76.4%29.6%$1.75—
Q1 FY26$28.8M+79.7%73.4%22.7%$1.15$0
Q4 FY25$29.3M+68.1%74.0%25.2%$1.37$0
Q3 FY25$29.4M+12.0%72.6%20.2%$1.03$0

Forward consensus

2-year forecast · up to 1 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$87.0M$87.0M – $87.0M$4.00$4.00 – $4.001
FY27$91.8M$91.8M – $91.8M$4.20$4.20 – $4.201

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.100%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+9.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+27.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatTiny float · 3.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.235-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.ListedOTCListed on an over-the-counter market (PNK / OTCQB / OTCQX), not a major exchange. Lower disclosure requirements and thinner liquidity.

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Head-To-Head Survey: United Community Banks (NYSE:UCB) and Chesapeake Financial Shares (OTCMKTS:CPKF)defenseworld.net·12d agoChesapeake Financial Shares Announces Sale of Interest in Bearing Insurance Groupaccessnewswire.com·76d ago

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Voices on X · last 7 days

No standout posts about $CPKF on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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