CPKF (Chesapeake Financial Shares) Cyclically Adjusted Book per Share: $25.20 (As of Mar. 2026)

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CPKF Chesapeake Financial Shares Inc CPKF
52 GF Score
Price $37.78
GF Value $25.29
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Chesapeake Financial Shares Cyclically Adjusted Book per Share?

Chesapeake Financial Shares CPKF 52 Cyclically Adjusted Book per Share is $25.20 as of Mar. 2026. GuruFocus rates CPKF with a GF Score™ of 52/100 and a GF Value™ of $25.29 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Chesapeake Financial Shares's adjusted book value per share for the three months ended in Mar. 2026 was $29.129. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $25.20 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Chesapeake Financial Shares's average Cyclically Adjusted Book Growth Rate was 5.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.60% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Chesapeake Financial Shares was 15.20% per year. The lowest was 4.60% per year. And the median was 12.10% per year.

As of today (2026-07-20), Chesapeake Financial Shares's current stock price is $37.78. Chesapeake Financial Shares's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $25.20. Chesapeake Financial Shares's Cyclically Adjusted PB Ratio of today is 1.50.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Chesapeake Financial Shares was 2.22. The lowest was 0.72. And the median was 1.35.


Chesapeake Financial Shares  (OTCPK:CPKF) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Chesapeake Financial Shares's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=37.78/25.20
=1.50

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Chesapeake Financial Shares was 2.22. The lowest was 0.72. And the median was 1.35.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Chesapeake Financial Shares Cyclically Adjusted Book per Share Related Terms


Chesapeake Financial Shares Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Chesapeake Financial Shares's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Chesapeake Financial Shares Cyclically Adjusted Book per Share Chart

Chesapeake Financial Shares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.34 21.48 22.42 23.52 24.56

Chesapeake Financial Shares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 23.92 24.15 24.45 24.56 25.20

CPKF vs FGFH, ECBK, SBKO: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Chesapeake Financial Shares's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Chesapeake Financial Shares Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Chesapeake Financial Shares's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Chesapeake Financial Shares's Cyclically Adjusted PB Ratio falls into.


CPKF
52GF Score
Chesapeake Financial Shares Inc CPKF
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Chesapeake Financial Shares Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Chesapeake Financial Shares's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=29.129/330.2130*330.2130
=29.129

Current CPI (Mar. 2026) = 330.2130.

Chesapeake Financial Shares Quarterly Data

Book Value per Share CPI Adj_Book
201606 16.720 241.018 22.908
201609 16.747 241.428 22.906
201612 16.120 241.432 22.048
201703 16.690 243.801 22.606
201706 17.198 244.955 23.184
201709 17.499 246.819 23.411
201712 17.772 246.524 23.805
201803 17.824 249.554 23.585
201806 18.125 251.989 23.751
201809 18.303 252.439 23.942
201812 18.858 251.233 24.786
201903 19.836 254.202 25.767
201906 20.654 256.143 26.627
201909 21.516 256.759 27.671
201912 21.362 256.974 27.450
202003 21.326 258.115 27.283
202006 23.139 257.797 29.639
202009 24.206 260.280 30.710
202012 25.402 260.474 32.203
202103 25.217 264.877 31.437
202106 26.781 271.696 32.549
202109 26.617 274.310 32.041
202112 26.673 278.802 31.591
202203 21.393 287.504 24.571
202206 18.069 296.311 20.136
202209 15.310 296.808 17.033
202212 16.776 296.797 18.665
202303 18.972 301.836 20.756
202306 19.396 305.109 20.992
202309 18.169 307.789 19.493
202312 20.887 306.746 22.485
202403 21.770 312.332 23.016
202406 22.444 314.175 23.590
202409 23.836 315.301 24.963
202412 23.600 315.605 24.692
202503 24.377 319.799 25.171
202506 24.866 322.561 25.456
202509 26.534 324.800 26.976
202512 28.310 324.054 28.848
202603 29.129 330.213 29.129

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $25.20 mean?
Chesapeake Financial Shares (CPKF) has a Cyclically Adjusted Book per Share of $25.20 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Chesapeake Financial Shares and its competitors.
Is Chesapeake Financial Shares' Cyclically Adjusted Book per Share too high?
Chesapeake Financial Shares' current Cyclically Adjusted Book per Share is $25.20. Overall, Chesapeake Financial Shares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chesapeake Financial Shares' Cyclically Adjusted Book per Share compare to FGFH and ECBK?
Chesapeake Financial Shares' Cyclically Adjusted Book per Share of $25.20 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Chesapeake Financial Shares and its competitors. Chesapeake Financial Shares's current Cyclically Adjusted Book per Share is $25.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chesapeake Financial Shares stock overvalued right now?
Based on GuruFocus' analysis, Chesapeake Financial Shares (CPKF) is currently considered Significantly Overvalued. The stock's GF Value™ is $25.29, compared to a current price of $37.78 — trading 49.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is $25.20. Chesapeake Financial Shares' overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Chesapeake Financial Shares (CPKF), the current Cyclically Adjusted Book per Share is $25.20 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Chesapeake Financial Shares (CPKF) Overvalued in 2026?

Based on GuruFocus' analysis, Chesapeake Financial Shares stock appears to be overvalued. The current stock price of $37.78 is trading 49.4% above its estimated GF Value™ of $25.29. GuruFocus considers Chesapeake Financial Shares to be Significantly Overvalued.

Key valuation signals for CPKF:

  • Cyclically Adjusted Book per Share: $25.20
  • GF Value™: $25.29 vs. price of $37.78 (49.4% above fair value)
  • GF Score™: 52/100 with 6 warning signs

No single metric tells the full story. See the CPKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Chesapeake Financial Shares Business Description

Address 35 School Street, P.O. Box 1419, Kilmarnock, VA, USA, 22482
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 real estate management services. The company's loan portfolio includes Commercial and industrial, Commercial real estate, Construction, land development & other land loans, Residential first mortgages, Home equity loans/lines of credit and Consumer loans. The company operates through its network of branches located throughout the Northern Neck, Middle Peninsula and Richmond areas of Virginia.
52GF Score

Get the complete analysis for CPKF

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.78
Price
$25.29
GF Value