Chesapeake Financial Shares Reports Earnings and Declares Dividend

Rhea-AI Summary

Chesapeake Financial Shares (OTC:CPKF) reported fourth-quarter 2025 earnings of $6,454,594 (more than double Q4 2024) and full-year 2025 net income of $10,000,366, a 12.5% decline versus 2024. Management said a proactive repositioning of roughly $75 million of investments caused an $8,000,323 after-tax charge in Q1, and that proceeds from a new subordinated debt issue have strengthened forward earnings. EPS was $2.123 fully diluted versus $2.422 in 2024. Total assets ended 2025 at $1.670 billion (+9.5% year-over-year); nonperforming assets were 0.352%. The Board declared a quarterly dividend of $0.17 per share, effective March 1, 2026 (33rd consecutive dividend increase; current yield 2.41%).

Positive

• Q4 2025 net income of $6.45M, over twice Q4 2024
• Total assets up 9.5% to $1.670B year-end 2025
• Declared quarterly dividend of $0.17, 33rd consecutive increase
• Noninterest income increased by $4.37M (adjusted)

Negative

• Full-year 2025 net income down 12.5% to $10.00M
• An $8.00M after-tax charge from repositioning $75M investments
• EPS declined to $2.123 from $2.422 in 2024

News Market Reaction

+1.51%

1 alert

+1.51% News Effect

On the day this news was published, CPKF gained 1.51%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

A "Top Performing Community Bank" in the U.S. for the eighteenth consecutive year

KILMARNOCK, VA / ACCESS Newswire / January 27, 2026 / On behalf of Chesapeake Financial Shares, Inc. (parent company of both Chesapeake Bank and Chesapeake Wealth Management), Jeffrey M. Szyperski, Chairman of the Board and CEO, reported 2025 fourth quarter earnings of $6,454,594 which were over double the fourth quarter of 2024. Earnings for calendar year 2025 of $10,000,366 represented a 12.5% decrease from 2024 earnings. The decrease is due to the company proactively repositioning approximately $75 million of investments into higher rates resulting in a $8,000,323 after tax charge to earnings in the first quarter. This repositioning, as well as deploying funds from a new subordinated debt issue, has strengthened earnings going forward. The reported earnings per share were $2.123 fully diluted as compared to $2.422 in 2024. Chesapeake Financial Shares ended the year December 31, 2025 with total assets of $1,670,174,891, a 9.5% increase over year-end 2024. Nonperforming assets were 0.352% as of December 31, 2025 compared to 0.328% at December 31, 2024.

"2025 was a year of strengthening our balance sheet for stronger and more sustainable profits going forward while also maintaining excellent asset quality. We also increased our noninterest income $4.37 million after adjusting for our one-time investment loss. Chesapeake Payment Systems, Flexent and Chesapeake Wealth Management all contributed solidly to our earnings," said Szyperski.

"Additionally, American Banker named us one of the 'Top Performing Community Banks' in the United States for the eighteenth consecutive year and one of the 'Best Banks to Work For' for the thirteenth consecutive year. These awards are evidence of our consistently strong earnings and commitment to our employees," commented Szyperski.

At the January 16, 2026 Chesapeake Financial Shares Board of Directors meeting, the Board declared a quarterly dividend of $0.17 per share effective March 1, 2026, payable on or before March 15, 2026. The company has increased its dividend for 33 consecutive years. The stock currently has a 2.41% dividend yield.

For more information about Chesapeake Financial Shares stock (CPKF), or to receive daily e-mail alerts of our stock price, see www.chesapeakefinancialshares.com. The company is followed by Zacks Investment Research, and a copy of their report can also be found on this site or at www.zacks.com. Chesapeake Financial Shares is an over-the-counter, publicly traded stock. Follow Chesapeake Bank on Facebook, Instagram, Threads, X, LinkedIn, and YouTube.

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Contact: Jeffrey M. Szyperski 1-800-434-1181

SOURCE: Chesapeake Financial Shares Inc.

View the original press release on ACCESS Newswire

FAQ

What were Chesapeake Financial Shares (CPKF) Q4 2025 earnings and how did they compare to Q4 2024?

Chesapeake reported $6,454,594 in Q4 2025, stated as more than double Q4 2024.

Why did Chesapeake Financial Shares (CPKF) full-year 2025 earnings fall 12.5%?

The company recorded an $8,000,323 after-tax charge tied to repositioning about $75 million of investments.

What dividend did Chesapeake Financial Shares (CPKF) declare for March 2026?

The Board declared a quarterly dividend of $0.17 per share, effective March 1, 2026, payable on or before March 15, 2026.

How large are Chesapeake Financial Shares (CPKF) assets at year-end 2025?

Total assets were reported at $1,670,174,891, a 9.5% increase from year-end 2024.

What was Chesapeake Financial Shares (CPKF) full-year EPS for 2025?

Reported fully diluted EPS for 2025 was $2.123, down from $2.422 in 2024.

Has Chesapeake Financial Shares (CPKF) been recognized for performance or workplace quality?

The company was named a 'Top Performing Community Bank' for the 18th consecutive year and a 'Best Bank to Work For' for the 13th consecutive year.