Chesapeake Financial Shares Inc is engaged in the business of full-service lending, providing deposit services to individuals and businesses and offering brokerage, trust, and estate management services. The company's loan portfolio includes segments; Commercial loans include both secured and unsecured loans for working capital, expansion, and other business purposes, Commercial-Real Estate: Loans secured by commercial real estate, Consumer-Non-Real Estate, and Residential-Real Estate. The company operates through its network of branches located throughout the Northern Neck, Middle Peninsula, Williamsburg, James City County, and Richmond areas of Virginia.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.79
Equity-to-Asset	0.07
Debt-to-Equity	0.89
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.47	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	7.8
	3-Year EPS without NRI Growth Rate	-5.2
	3-Year FCF Growth Rate	43.1
	3-Year Book Growth Rate	-6.3

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	18.37
	9-Day RSI	22.9
	14-Day RSI	26.9
	6-1 Month Momentum %	1.14
	12-1 Month Momentum %	-17.29

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.55
	Dividend Payout Ratio	0.29
	3-Year Dividend Growth Rate	6.6
	Forward Dividend Yield %	3.61
	5-Year Yield-on-Cost %	4.71
	3-Year Average Share Buyback Ratio	0.8
	Shareholder Yield %	0.81

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	16.3
	FCF Margin %	19.47
	ROE %	11.41
	ROA %	0.74
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.02
	PE Ratio without NRI	8.37
	Shiller PE Ratio	6.77
	PS Ratio	1.31
	PB Ratio	0.82
	Price-to-Tangible-Book	0.87
	Price-to-Free-Cash-Flow	6.69
	Price-to-Operating-Cash-Flow	6.62
	EV-to-Revenue	1.6
	EV-to-FCF	7.97
	Price-to-Projected-FCF	0.34
	Price-to-Median-PS-Value	0.56
	Price-to-Graham-Number	0.57
	FCF Yield %	14.91
	Forward Rate of Return (Yacktman) %	17.86

GF Value: $27.79

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