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Chesapeake Financial SharesCPKF 52 Debt-to-Equity is 0.90 as of Mar. 2026, which is 114% above its 10-year median of 0.42. GuruFocus rates CPKF with a GF Score™ of 52/100 and a GF Value™ of $25.32 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, Chesapeake Financial Shares ranks worse than 63.97% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Chesapeake Financial Shares's Debt-to-Equity or its related term are showing as below:
CPKF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.42 Max: 0.99
Current: 0.9
During the past 13 years, the highest Debt-to-Equity Ratio of Chesapeake Financial Shares was 0.99. The lowest was 0.04. And the median was 0.42.
CPKF's Debt-to-Equity is ranked worse than 63.97% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs CPKF: 0.90
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Chesapeake Financial Shares Debt-to-Equity Related Terms
Chesapeake Financial Shares Debt-to-Equity Historical Data
* 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.
CPKF vs ARBV, LYBC, CBFV: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Chesapeake Financial Shares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Chesapeake Financial Shares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Chesapeake Financial Shares's Debt-to-Equity falls into.
* 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 (CPKF) has a Debt-to-Equity of 0.90 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Chesapeake Financial Shares and its competitors. This is 114% above median its historical median of 0.42. Over the past decade, Chesapeake Financial Shares' Debt-to-Equity has ranged from 0.04 to 0.99. According to the industry distribution chart, Chesapeake Financial Shares ranks #909 out of 1421 companies in the Banks industry, placing it in the top 64%.
Is Chesapeake Financial Shares' Debt-to-Equity too high?
Chesapeake Financial Shares' current Debt-to-Equity of 0.90 is 114% above median its 10-year median of 0.42. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.99. The Banks industry median Debt-to-Equity is 0.58. Chesapeake Financial Shares' value of 0.90 is 55.2% above this industry median. Based on the distribution chart, Chesapeake Financial Shares ranks #909 out of 1421 companies in the Banks industry, which is below the industry midpoint. 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' Debt-to-Equity compare to ARBV and LYBC?
According to the Banks industry distribution chart, Chesapeake Financial Shares ranks #909 out of 1421 companies for Debt-to-Equity. This places Chesapeake Financial Shares in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Chesapeake Financial Shares' value of 0.90 is 55.2% above this benchmark. Historically, Chesapeake Financial Shares' own Debt-to-Equity has ranged from 0.04 to 0.99 over the past decade. While the company's 10-year median is 0.42 vs. the industry median of 0.58, Chesapeake Financial Shares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chesapeake Financial Shares's current Debt-to-Equity of 0.90 is 55.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Chesapeake Financial Shares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chesapeake Financial Shares's current Debt-to-Equity is 0.90, which is 114% above median its own 10-year median of 0.42. 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 $25.32, compared to a current price of $39.75 — trading 57% above its estimated fair value. The current Debt-to-Equity is 0.90, which is 114% above median its 10-year median of 0.42 and 55.2% above the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Chesapeake Financial Shares (CPKF), the current Debt-to-Equity is 0.90 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 $39.75 is trading 57% above its estimated GF Value™ of $25.32.
GuruFocus considers Chesapeake Financial Shares to be Significantly Overvalued.
Key valuation signals for CPKF:
Debt-to-Equity: 0.90 (114% above median its 10-year median of 0.42)
GF Value™: $25.32 vs. price of $39.75 (57% above fair value)
Industry Position: 55.2% above the Banks median (#909 of 1421)
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 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
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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