CPKF (Chesapeake Financial Shares) E10: $2.89 (As of Mar. 2026)


CPKF Chesapeake Financial Shares Inc CPKF
55 GF Score
Price $35.41
GF Value $25.24
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Chesapeake Financial Shares E10?

Chesapeake Financial Shares CPKF +2.54% 55 E10 is $2.89 as of Mar. 2026. GuruFocus rates CPKF with a GF Score™ of 55/100 and a GF Value™ of $25.24 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Chesapeake Financial Shares's adjusted earnings per share data for the three months ended in Mar. 2026 was $1.147. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.89 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Chesapeake Financial Shares's average E10 Growth Rate was 12.50% per year. During the past 3 years, the average E10 Growth Rate was 4.00% per year. During the past 5 years, the average E10 Growth Rate was 7.50% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Chesapeake Financial Shares was 15.10% per year. The lowest was 4.00% per year. And the median was 10.40% per year.

As of today (2026-06-25), Chesapeake Financial Shares's current stock price is $35.41. Chesapeake Financial Shares's E10 for the quarter that ended in Mar. 2026 was $2.89. Chesapeake Financial Shares's Shiller PE Ratio of today is 12.25.

During the past 13 years, the highest Shiller PE Ratio of Chesapeake Financial Shares was 18.72. The lowest was 6.32. And the median was 11.94.


Chesapeake Financial Shares  (OTCPK:CPKF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Chesapeake Financial Shares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=35.41/2.89
=12.25

* 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 Shiller P/E Ratio of Chesapeake Financial Shares was 18.72. The lowest was 6.32. And the median was 11.94.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Chesapeake Financial Shares E10 Related Terms


Chesapeake Financial Shares E10 Historical Data

* Premium members only.

The historical data trend for Chesapeake Financial Shares's E10 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 E10 Chart

Chesapeake Financial Shares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.17 2.46 2.54 2.70 2.77

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
E10 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 2.57 2.59 2.67 2.77 2.89

CPKF vs SBKO, NODB, BKUT: E10 Comparison

For the Banks - Regional subindustry, Chesapeake Financial Shares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Chesapeake Financial Shares's Shiller PE Ratio falls into.


CPKF
55GF Score
Chesapeake Financial Shares Inc CPKF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Chesapeake Financial Shares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.147/330.2130*330.2130
=1.147

Current CPI (Mar. 2026) = 330.2130.

Chesapeake Financial Shares Quarterly Data

per share eps CPI Adj_EPS
201606 0.386 241.018 0.529
201609 0.361 241.428 0.494
201612 0.279 241.432 0.382
201703 0.527 243.801 0.714
201706 0.403 244.955 0.543
201709 0.507 246.819 0.678
201712 0.373 246.524 0.500
201803 0.586 249.554 0.775
201806 0.576 251.989 0.755
201809 0.639 252.439 0.836
201812 0.380 251.233 0.499
201903 0.597 254.202 0.776
201906 0.659 256.143 0.850
201909 0.649 256.759 0.835
201912 0.384 256.974 0.493
202003 0.679 258.115 0.869
202006 0.416 257.797 0.533
202009 0.692 260.280 0.878
202012 0.613 260.474 0.777
202103 1.085 264.877 1.353
202106 0.818 271.696 0.994
202109 0.778 274.310 0.937
202112 0.429 278.802 0.508
202203 0.902 287.504 1.036
202206 0.861 296.311 0.960
202209 1.261 296.808 1.403
202212 0.709 296.797 0.789
202303 0.780 301.836 0.853
202306 0.648 305.109 0.701
202309 0.526 307.789 0.564
202312 0.191 306.746 0.206
202403 0.583 312.332 0.616
202406 0.646 314.175 0.679
202409 0.550 315.301 0.576
202412 0.643 315.605 0.673
202503 -0.942 319.799 -0.973
202506 0.669 322.561 0.685
202509 1.029 324.800 1.046
202512 1.372 324.054 1.398
202603 1.147 330.213 1.147

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.89 mean?
Chesapeake Financial Shares (CPKF) has a E10 of $2.89 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Chesapeake Financial Shares and its competitors.
Is Chesapeake Financial Shares' E10 too high?
Chesapeake Financial Shares' current E10 is $2.89. Overall, Chesapeake Financial Shares has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chesapeake Financial Shares' E10 compare to SBKO and NODB?
Chesapeake Financial Shares' E10 of $2.89 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Chesapeake Financial Shares and its competitors. Chesapeake Financial Shares's current E10 is $2.89. 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 $25.24, compared to a current price of $35.41 — trading 40.3% above its estimated fair value. The current E10 is $2.89. Chesapeake Financial Shares' overall GF Score™ is 55/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Chesapeake Financial Shares (CPKF), the current E10 is $2.89 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 $35.41 is trading 40.3% above its estimated GF Value™ of $25.24. GuruFocus considers Chesapeake Financial Shares to be Significantly Overvalued.

Key valuation signals for CPKF:

  • E10: $2.89
  • GF Value™: $25.24 vs. price of $35.41 (40.3% above fair value)
  • GF Score™: 55/100 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.
55GF Score

Get the complete analysis for CPKF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.41
Price
$25.24
GF Value