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Chesapeake Financial SharesCPKF 52 PB Ratio is 1.30 as of Jul. 19, 2026, which is 19% above its 10-year median of 1.09. 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 1,518 Banks companies, Chesapeake Financial Shares ranks worse than 65.15% on this metric.
Chesapeake Financial Shares Inc stock PB Ratio (=1.3) is close to 3-year high of 1.3.
The historical rank and industry rank for Chesapeake Financial Shares's PB Ratio or its related term are showing as below:
CPKF'
s PB Ratio Range Over the Past 10 Years
Min: 0.76 Med: 1.09 Max: 1.57
Current: 1.3
During the past 13 years, Chesapeake Financial Shares's highest PB Ratio was 1.57. The lowest was 0.76. And the median was 1.09.
CPKF's PB Ratio is ranked worse than 65.15% of 1518
companies
in the Banks industry
Industry Median: 1.11
vs CPKF: 1.30
During the past 12 months, Chesapeake Financial Shares's average Book Value Per Share Growth Rate was 19.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 19.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Chesapeake Financial Shares was 20.60% per year. The lowest was -7.70% per year. And the median was 9.40% per year.
Back to Basics: PB Ratio
Chesapeake Financial Shares (OTCPK:CPKF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Chesapeake Financial Shares PB Ratio Related Terms
Chesapeake Financial Shares PB Ratio 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.
For the Banks - Regional subindustry, Chesapeake Financial Shares's PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Chesapeake Financial Shares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Chesapeake Financial Shares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Chesapeake Financial Shares (CPKF) has a PB Ratio of 1.30 as of Jul. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Chesapeake Financial Shares and its competitors. This is 19% above median its historical median of 1.09. Over the past decade, Chesapeake Financial Shares' PB Ratio has ranged from 0.76 to 1.57. According to the industry distribution chart, Chesapeake Financial Shares ranks #989 out of 1518 companies in the Banks industry, placing it in the top 65.2%.
Is Chesapeake Financial Shares' PB Ratio too high?
Chesapeake Financial Shares' current PB Ratio of 1.30 is 19% above median its 10-year median of 1.09. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 1.57. The Banks industry median PB Ratio is 1.11. Chesapeake Financial Shares' value of 1.30 is 17.1% above this industry median. Based on the distribution chart, Chesapeake Financial Shares ranks #989 out of 1518 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' PB Ratio compare to FGFH and ECBK?
According to the Banks industry distribution chart, Chesapeake Financial Shares ranks #989 out of 1518 companies for PB Ratio. This places Chesapeake Financial Shares in the lower half of its industry. The industry median PB Ratio is 1.11. Chesapeake Financial Shares' value of 1.30 is 17.1% above this benchmark. Historically, Chesapeake Financial Shares' own PB Ratio has ranged from 0.76 to 1.57 over the past decade. While the company's 10-year median is 1.09 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chesapeake Financial Shares's current PB Ratio of 1.30 is 17.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Chesapeake Financial Shares and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chesapeake Financial Shares's current PB Ratio is 1.30, which is 19% above median its own 10-year median of 1.09. 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 PB Ratio is 1.30, which is 19% above median its 10-year median of 1.09 and 17.1% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Chesapeake Financial Shares (CPKF), the current PB Ratio is 1.30 as of Jul. 19, 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:
PB Ratio: 1.30 (19% above median its 10-year median of 1.09)
GF Value™: $25.29 vs. price of $37.78 (49.4% above fair value)
Industry Position: 17.1% above the Banks median (#989 of 1518)
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
Get the complete analysis for CPKF
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