CPKF (Chesapeake Financial Shares) Moat Score: 3/10 (As of Jul. 20, 2026)

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CPKF Chesapeake Financial Shares Inc CPKF
52 GF Score
Price $37.78
GF Value $25.30
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Chesapeake Financial Shares Moat Score?

Chesapeake Financial Shares CPKF 52 Moat Score is 3 as of Jul. 20, 2026. GuruFocus rates CPKF with a GF Score™ of 52/100 and a GF Value™ of $25.30 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,609 Banks companies, Chesapeake Financial Shares ranks better than 74.64% on this metric.

Chesapeake Financial Shares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Chesapeake Financial Shares has No Moat: Chesapeake Financial Shares operates in a competitive financial services market with limited market share and no significant cost advantages. The company lacks strong brand strength, network effects, and regulatory barriers, making its moat weak.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Chesapeake Financial Shares might have No Moat - Very weak/transient advantages.

Chesapeake Financial Shares  (OTCPK:CPKF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Chesapeake Financial Shares Moat Score Related Terms

CPKF vs FGFH, ECBK, SBKO: Moat Score Comparison

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

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

* The bar in red indicates where Chesapeake Financial Shares's Moat Score falls into.


CPKF
52GF Score
Chesapeake Financial Shares Inc CPKF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Chesapeake Financial Shares (CPKF) has a Moat Score of 3 as of Jul. 20, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Chesapeake Financial Shares ranks #408 out of 1609 companies in the Banks industry, placing it in the top 25.4%.
Is Chesapeake Financial Shares' Moat Score too high?
Chesapeake Financial Shares' current Moat Score is 3. Based on the distribution chart, Chesapeake Financial Shares ranks #408 out of 1609 companies in the Banks industry, which is above 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' Moat Score compare to FGFH and ECBK?
According to the Banks industry distribution chart, Chesapeake Financial Shares ranks #408 out of 1609 companies for Moat Score. This puts Chesapeake Financial Shares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Chesapeake Financial Shares's current Moat Score is 3. 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 $25.30, compared to a current price of $37.78 — trading 49.3% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Chesapeake Financial Shares (CPKF), the current Moat Score is 3 as of Jul. 20, 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 49.3% above its estimated GF Value™ of $25.30. GuruFocus considers Chesapeake Financial Shares to be Significantly Overvalued.

Key valuation signals for CPKF:

  • Moat Score: 3
  • GF Value™: $25.30 vs. price of $37.78 (49.3% 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

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

$37.78
Price
$25.30
GF Value