Stock fact sheet · data as of
Chesapeake Financial Shares, Inc. (CPKF): fair value, margin of safety and Wheel Score
Ticker symbol CPKF · Financial Services · Banks - Regional · United States · Blend
Is CPKF undervalued?
Chesapeake Financial Shares, Inc. (CPKF) closed at 38.23 on 5 Nov 2026, close to the GLS average fair value of 38.08 (exactly at fair value). 4 of the 8 models that produced a number sit above the price, 4 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
The 8 models disagree widely: 10 Cap gives 5.96 while Graham Growth gives 87.91. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for CPKF, so the nightly engine files it under Blend (value score 63, growth score 61, out of 100).
Nine valuation models for CPKF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 38.97 | +2% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 60.21 | +57% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 87.91 | +130% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 21.79 | -43% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 18.98 | -50% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 5.96 | -84% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 10.30 | -73% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 60.54 | +58% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -319.01 | -934% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - CPKF passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 6.7 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 5.1%, ROE 7.5%, ROA 0.6% - with debt at 0.47 times equity and negative free cash flow.
The dividend yield is 1.83% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 5.1% |
|---|---|---|---|
| GLS Moat | 6.7 / 10 | ROE | 7.5% |
| Debt / equity | 0.47 | ROA | 0.6% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 21: No options
CPKF has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (21 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 3k shares a day on a market cap of $180M, with a beta of 0.23 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades right at our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $180M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 0% above fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.7/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.23, $180M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CPKF in the nightly calendar. The shares go ex-dividend on 1 Dec 2026 (0.2000 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Chesapeake Financial Shares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ENBP ENB Financial Corp | 31.25 | 52.40 | +40% | 32No options | $179M |
| DIMC Dimeco, Inc. | 70.00 | 141.22 | +50% | 36No options | $178M |
| FGFH Foresight Financial Group, Inc. | 50.30 | 46.41 | -8% | 19No options | $181M |
| SABK South Atlantic Bancshares, Inc. | 24.25 | 28.45 | +15% | 24No options | $184M |
| PRMY Primary Bank | 38.22 | 35.23 | -8% | 18No options | $185M |
| PLQC Plains Acquisition Corporation | 72.00 | 94.67 | +24% | 32No options | $186M |
| STLE Steele Bancorp Inc. | 50.54 | 164.29 | +69% | 35No options | $172M |
| FGBI First Guaranty Bancshares, Inc. | 11.29 | 45.99 | +75% | 32No options | $188M |
| MNSBP MainStreet Bancshares, Inc. | 23.00 | 29.22 | +21% | 29No options | $171M |
| CNBW CNB Corp. | 103.00 | 51.04 | -102% | 16No options | $171M |
| BVFL BV Financial, Inc. | 22.28 | 39.02 | +43% | 34No options | $189M |
| EBMT Eagle Bancorp Montana, Inc. | 21.44 | 32.42 | +34% | 30No options | $171M |
⚖ Compare CPKF with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about CPKF
Is CPKF undervalued right now?
Not meaningfully: at 38.23 the stock trades within a few percent of the GLS average fair value of 38.08 (exactly at fair value, data as of 5 Nov 2026).
What is the Wheel Score of CPKF and what does it mean?
CPKF has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for CPKF?
38.08 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Chesapeake Financial Shares, Inc. report earnings next?
No upcoming earnings date is recorded for CPKF in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does CPKF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CPKF, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.