CPKF (Chesapeake Financial Shares) Dividend Payout Ratio: 0.15 (As of Mar. 2026) — 32% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Dividend Payout Ratio?

Chesapeake Financial Shares CPKF 52 Dividend Payout Ratio is 0.15 as of Mar. 2026, which is 32% below its 10-year median of 0.22. 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. Among 1,177 Banks companies, Chesapeake Financial Shares ranks better than 86.15% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Chesapeake Financial Shares's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.15.

The historical rank and industry rank for Chesapeake Financial Shares's Dividend Payout Ratio or its related term are showing as below:

CPKF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16   Med: 0.22   Max: 0.32
Current: 0.16

During the past 13 years, the highest Dividend Payout Ratio of Chesapeake Financial Shares was 0.32. The lowest was 0.16. And the median was 0.22.

CPKF's Dividend Payout Ratio is ranked better than
86.15% of 1177 companies
in the Banks industry
Industry Median: 0.32 vs CPKF: 0.16

As of today (2026-07-20), the Dividend Yield % of Chesapeake Financial Shares is 1.80%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Chesapeake Financial Shares was 3.70%. The lowest was 1.64%. And the median was 2.18%.

Chesapeake Financial Shares's Dividends per Share for the months ended in Mar. 2026 was $0.17.

During the past 12 months, Chesapeake Financial Shares's average Dividends Per Share Growth Rate was 4.80% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 3.90% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 5.40% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 5.50% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Chesapeake Financial Shares was 72.00% per year. The lowest was 3.90% per year. And the median was 6.00% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Chesapeake Financial Shares (OTCPK:CPKF) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Chesapeake Financial Shares Dividend Payout Ratio Related Terms

Chesapeake Financial Shares Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Chesapeake Financial Shares's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Chesapeake Financial Shares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.17 0.16 0.29 0.26 0.32

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
Dividend Payout Ratio 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 0.00 0.24 0.16 0.12 0.15

CPKF vs FGFH, ECBK, SBKO: Dividend Payout Ratio Comparison

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

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

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


CPKF
52GF Score
Chesapeake Financial Shares Inc CPKF
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Chesapeake Financial Shares Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Chesapeake Financial Shares's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.65/ 2.034
=0.32

Chesapeake Financial Shares's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=0.17/ 1.147
=0.15

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.15 mean?
Chesapeake Financial Shares (CPKF) has a Dividend Payout Ratio of 0.15 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Chesapeake Financial Shares and its competitors. This is 32% below median its historical median of 0.22. Over the past decade, Chesapeake Financial Shares' Dividend Payout Ratio has ranged from 0.16 to 0.32. According to the industry distribution chart, Chesapeake Financial Shares ranks #163 out of 1177 companies in the Banks industry, placing it in the top 13.8%.
Is Chesapeake Financial Shares' Dividend Payout Ratio too high?
Chesapeake Financial Shares' current Dividend Payout Ratio of 0.15 is 32% below median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.32. The Banks industry median Dividend Payout Ratio is 0.32. Chesapeake Financial Shares' value of 0.15 is 53.1% below this industry median. Based on the distribution chart, Chesapeake Financial Shares ranks #163 out of 1177 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Dividend Payout Ratio compare to FGFH and ECBK?
According to the Banks industry distribution chart, Chesapeake Financial Shares ranks #163 out of 1177 companies for Dividend Payout Ratio. This places Chesapeake Financial Shares in the top 14% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Chesapeake Financial Shares' value of 0.15 is 53.1% below this benchmark. Historically, Chesapeake Financial Shares' own Dividend Payout Ratio has ranged from 0.16 to 0.32 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.32, Chesapeake Financial Shares has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,177 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chesapeake Financial Shares's current Dividend Payout Ratio of 0.15 is 53.1% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Chesapeake Financial Shares and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chesapeake Financial Shares's current Dividend Payout Ratio is 0.15, which is 32% below median its own 10-year median of 0.22. 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 Dividend Payout Ratio is 0.15, which is 32% below median its 10-year median of 0.22 and 53.1% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Chesapeake Financial Shares (CPKF), the current Dividend Payout Ratio is 0.15 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:

  • Dividend Payout Ratio: 0.15 (32% below median its 10-year median of 0.22)
  • GF Value™: $25.29 vs. price of $37.78 (49.4% above fair value)
  • GF Score™: 52/100 with 6 warning signs
  • Industry Position: 53.1% below the Banks median (#163 of 1177)

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

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

$37.78
Price
$25.29
GF Value