Chesapeake Financial Shares, Inc. (CPKF) Fair Value 2026

CPKF · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

4.7 /10

32 fundamental signals · 2 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Chesapeake Financial Shares, Inc. (CPKF) trades at $39.24, versus a $50.33 median fair value across its 2 active models — 28.3% above the current price. QOC: 4.7/10. Value Trap Risk: 0/100 (SAFE). 2/13 models active.

Key Facts

Ticker
CPKF
Price
$39.24
Quality Score
4.7/10
Value Trap Risk
0/100
Models Active
2/13
Last Updated
Strength: Regime Cross-Sectional suggests +64.6% upside with 11% confidence
Risk: Below-average Quality Score of 4.7/10 signals weak fundamentals

Is Chesapeake Financial Shares, Inc. (CPKF) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, Chesapeake Financial Shares, Inc. (CPKF) appears undervalued as of : the median of 2 independent fair value estimates is $50.33, 28.3% above the current price of $39.24. Estimates range from $36.08 to $64.58. CPKF scores 4.7/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CPKF’s +28.3% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Chesapeake Financial Shares, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CPKF?

2 Intrinsic Value Models vs. Current Price ($39.24)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Low Conviction
 $36.08 -8.1%
Relative · Low Conviction
 $64.58 +64.6%

All Models Active

All 2 models are displayed above.

What Is Chesapeake Financial Shares, Inc. (CPKF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Chesapeake Financial Shares, Inc.'s intrinsic value is estimated at $50.33, presenting a divided outlook at the current price of $39.24. With a median implied return of +28.3% across a split 1–1 (bull–bear) consensus, the model spread of +72.6% underscores analytical uncertainty. Notably, Regime Cross sees the most upside at +64.6% (fair value: $64.58), while Markov DDM is the most conservative at -8.1% ($36.08). The spread between these extremes — +72.6% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About CPKF?

2 of 13 models are currently active for CPKF. Of these, 1 model suggests upside while 1 model suggests overvaluation. Taken together, their median fair value for CPKF is $50.33 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CPKF Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CPKF ranks #345 by Quality of Company score. CirclFi's QOC score of 4.7/10 evaluates 32 fundamental signals. A score of 4.7 reflects mixed fundamentals.

See all Most Undervalued Banks - Regional Stocks →

Chesapeake Financial Shares, Inc.'s positioning within the Banks - Regional segment means that loan loss provisions plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.

Is CPKF a Value Trap?

CirclFi's Value Trap algorithm assigns CPKF a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for Chesapeake Financial Shares, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Chesapeake Financial Shares, Inc. earns a quality score of 4.7/10. This mixed rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +72.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CPKF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CPKF's 2 active models, average confidence is 12%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Chesapeake Financial Shares, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CCNBCoastal Carolina Bancshares, Inc.QOC 4.7IBNICICI Bank LimitedQOC 4.7EWSBEWSB Bancorp, Inc.QOC 4.8UNIBUniversity Bancorp, Inc.QOC 4.6FOTBFirst Ottawa Bancshares, Inc.QOC 4.8SHFSSHF Holdings, Inc.QOC 4.4HWBKHawthorn Bancshares, Inc.QOC 8.4TRMKTrustmark CorporationQOC 8.0CBNAChain Bridge Bancorp, Inc.QOC 7.5ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: CCNB · IBN · EWSB · UNIB · FOTB · SHFS · HWBK · TRMK · CBNA · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CPKF?

7 companies across all industries closest to CPKF’s Quality of Company score of 4.7/10.

EVEXEve Holding, Inc.QOC 4.7FISNDeep Fission, Inc.QOC 4.7PICSPicS N.V.QOC 4.7ESGHESG Inc.QOC 4.7HSTCHST Global, Inc.QOC 4.7CLRBCellectar Biosciences, Inc.QOC 4.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: EVEX · FISN · PICS · ESGH · HSTC · CLRB · NVDA

Where Does CPKF Sit in CirclFi's Banks - Regional Rankings?

CPKF is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Chesapeake Financial Shares, Inc.’s Valuation?

What is Chesapeake Financial Shares, Inc.'s intrinsic value in 2026?

CirclFi puts Chesapeake Financial Shares, Inc. (CPKF)'s intrinsic value at $50.33 — the median of 2 independent model estimates as of 2026-08-27, ranging from $36.08 to $64.58. The Quality of Company score is 4.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CPKF overvalued or undervalued right now?

At $39.24, 1 of 2 active models suggest CPKF may be undervalued, while 1 indicate potential overvaluation. The median of all 2 fair value estimates is $50.33, 28.3% above the current price of $39.24 — a consensus view that CPKF is undervalued. The assessment depends on which methodology best fits Chesapeake Financial Shares, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 4.7 mean for CPKF?

Chesapeake Financial Shares, Inc.'s QOC of 4.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores below 5 flag potential fundamental weaknesses requiring careful analysis.

How many valuation models does CirclFi run on CPKF?

CirclFi analyzes CPKF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is CPKF a value trap in 2026?

Chesapeake Financial Shares, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, Chesapeake Financial Shares, Inc. (CPKF) has a median fair value of $50.33 — 28.3% above the current price of $39.24 — as of 2026-08-27.” Source: circlfi.com/stock/CPKF/ · Methodology
Primary sources for this CPKF valuation
  • Financial statements: Chesapeake Financial Shares, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000847538) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CPKF as of ; valuations recomputed .