CPKF (Chesapeake Financial Shares) Scaled Net Operating Assets: -0.21 (As of Mar. 2026)

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CPKF Chesapeake Financial Shares Inc CPKF
52 GF Score
Price $37.78
GF Value $25.29
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Chesapeake Financial Shares Scaled Net Operating Assets?

Chesapeake Financial Shares CPKF 52 Scaled Net Operating Assets is -0.21 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Chesapeake Financial Shares's operating assets for the quarter that ended in Mar. 2026 was $1,111.64 Mil. Chesapeake Financial Shares's operating liabilities for the quarter that ended in Mar. 2026 was $1,470.46 Mil. Chesapeake Financial Shares's Total Assets for the quarter that ended in Dec. 2025 was $1,670.18 Mil. Therefore, Chesapeake Financial Shares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.21.

CPKF
52GF Score
Chesapeake Financial Shares Inc CPKF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Chesapeake Financial Shares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Chesapeake Financial Shares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1596.857-1474.148)/1524.646
=0.08

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1670.175 - 73.318
=1596.857

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1536.893 - 50.155 - 12.59
=1474.148

Chesapeake Financial Shares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1111.642-1470.457)/1670.175
=-0.21

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1730.016 - 618.374
=1111.642

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1593.284 - 50.155 - 72.672
=1470.457

* 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.

What does a Scaled Net Operating Assets of -0.21 mean?
Chesapeake Financial Shares (CPKF) has a Scaled Net Operating Assets of -0.21 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Chesapeake Financial Shares and its competitors.
Is Chesapeake Financial Shares' Scaled Net Operating Assets too high?
Chesapeake Financial Shares' current Scaled Net Operating Assets is -0.21. 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' Scaled Net Operating Assets compare to FGFH and ECBK?
Chesapeake Financial Shares' Scaled Net Operating Assets of -0.21 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Chesapeake Financial Shares and its competitors. Chesapeake Financial Shares's current Scaled Net Operating Assets is -0.21. 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 Scaled Net Operating Assets is -0.21. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Chesapeake Financial Shares (CPKF), the current Scaled Net Operating Assets is -0.21 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:

  • Scaled Net Operating Assets: -0.21
  • GF Value™: $25.29 vs. price of $37.78 (49.4% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.78
Price
$25.29
GF Value