Wall Street consensusAverage target 43.75 USD+14.4%
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Income statement, Chesapeake Financial Shares Inc, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Interest income
84.5
76.5
59.3
47.3
44.9
38.6
Total interest expense
30.5
30.5
17.7
3.2
3.3
5.1
Net interest income
54.1
46.1
41.6
44.1
41.6
33.5
Loan loss provision
1.1
0.9
0.8
0.7
−0.4
1.9
Net interest income after loan loss provision
53.0
45.2
40.8
43.4
42.0
31.6
Non-interest income
17.7
22.9
22.3
22.2
19.3
19.6
Non-interest expense
−59.0
−54.7
−50.8
−45.1
−44.0
−37.4
Net income before taxes
11.7
13.4
12.3
20.5
17.3
13.8
Provision for taxes
1.7
1.9
2.2
2.8
2.3
2.0
Minority interest & equity in affiliates
–
–
–
–
–
–
Other
0
0
0
0
0
0
Net income before extraordinary items
10.0
11.4
10.1
17.6
15.0
11.7
Extraordinary items
–
–
–
–
–
–
Net income
10.0
11.4
10.1
17.6
15.0
11.7
Basic weighted average shares (mil)
4.7
4.7
4.7
4.7
4.8
4.9
Diluted weighted average shares (mil)
4.7
4.7
4.7
4.7
4.8
4.9
Basic EPS excluding extraordinary items
2.12
2.42
2.15
3.73
3.11
2.41
Basic EPS, normalized
2.12
2.42
2.15
3.73
3.11
2.41
Balance sheet in millions of USD, fiscal years
Balance sheet, Chesapeake Financial Shares Inc, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Assets
Cash & due from banks
71.0
51.6
62.8
52.1
45.0
31.2
Other earning assets
572
523
503
469
626
534
Net loans
950
875
822
741
665
596
Property, plant & equipment
20.8
20.8
22.0
23.9
22.8
20.8
Goodwill
5.3
5.3
5.3
–
–
–
Intangibles
–
–
–
–
–
–
Long-term investments
–
–
–
–
–
–
Other long-term assets
–
–
–
–
–
–
Other assets
50.9
48.6
51.0
42.6
27.2
22.5
Total assets
1,670
1,525
1,467
1,329
1,386
1,205
Liabilities
Accounts payable
1.9
1.2
0.7
0.1
0.1
0.2
Payable/accrued
–
–
–
–
–
–
Accrued expenses
–
–
–
–
–
–
Total deposits
1,461
1,371
1,266
1,166
1,125
1,020
Other bearing liabilities
–
–
–
–
–
–
Short-term borrowings
12.6
6.1
62.4
46.0
99.0
50.0
Current portion of long-term debt
–
–
–
–
–
–
Long-term debt
45.6
20.7
20.8
20.0
20.9
1.0
Minority interest
–
–
–
–
–
–
Other liabilities
15.7
13.5
18.1
17.6
14.6
11.4
Total liabilities
1,537
1,413
1,368
1,250
1,260
1,082
Shareholders' equity
Preferred stock
–
–
–
–
–
–
Common stock
23.5
23.7
23.4
23.4
23.5
24.0
Additional paid-in capital
13.2
13.9
14.1
14.1
14.8
17.7
Retained earnings (accumulated deficit)
114
107
98.6
91.7
76.8
64.4
Treasury stock
–
–
–
–
–
–
Other equity
−17.5
−32.9
−37.5
−50.1
11.0
16.7
Total equity
133
112
98.5
79.1
126
123
Total liabilities & shareholders' equity
1,670
1,525
1,467
1,329
1,386
1,205
Cash flow statement in millions of USD, fiscal years
Cash flow statement, Chesapeake Financial Shares Inc, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Operating activities
Net income
10.0
11.4
10.1
–
15.0
11.7
Depreciation, depletion & amortization
2.3
2.3
2.3
–
1.6
1.5
Deferred taxes
−0.2
−0.9
0.1
–
0.1
−0.2
Non-cash items
−1.6
1.1
3.5
–
5.9
4.3
Changes in working capital
6.3
5.9
−3.8
–
2.3
−8.4
Cash from operations
16.9
19.8
12.2
–
24.9
8.9
Investing activities
Capital expenditures
−2.1
−0.7
−0.1
–
−3.5
−4.6
Other investing cash flows
−128
−69.7
−115
–
−238
−208
Cash from investing
−130
−70.4
−115
–
−242
−213
Financing activities
Financing cash flow items
89.7
105
104
–
138
180
Cash dividends paid
−3.1
−2.9
−2.8
–
−2.5
−2.4
Issuance (retirement) of debt, net
–
–
–
–
–
–
Other financing cash flows
29.9
−56.9
11.4
–
33.1
47.1
Cash from financing
116
45.6
113
–
168
225
Foreign exchange effects
–
–
–
–
–
–
Net change in cash
3.2
−5.0
9.8
–
−48.9
20.9
Free cash flow
14.8
19.1
12.1
–
21.4
4.3
Disclaimer
The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.
This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.
QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.
Live quote provided by TradingView. Report data updated Nov 3, 2026 after market close.