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Chesapeake Financial Shares Reports Second Quarter Earnings and Declares Dividend

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Chesapeake Financial Shares (CPKF) reported strong Q2 2025 earnings of $3.15 million, a 3.6% increase from $3.04 million in Q2 2024. The company's earnings per share reached $0.669 fully diluted, up from $0.646 year-over-year.

Total assets grew 7.2% to $1.63 billion from year-end, driven by subordinated debt issuance in March 2025. The company's improved performance stems from repositioning $75 million of investment portfolio into higher-yield securities and upward repricing of existing loans. The Board declared a quarterly dividend of $0.16 per share, marking their 32nd consecutive year of dividend increases.

Chesapeake Financial Shares (CPKF) ha riportato solidi risultati nel secondo trimestre 2025 con un utile di 3,15 milioni di dollari, in aumento del 3,6% rispetto ai 3,04 milioni di dollari del secondo trimestre 2024. L'utile per azione completamente diluito ha raggiunto 0,669 dollari, rispetto ai 0,646 dollari dell'anno precedente.

Il totale degli attivi è cresciuto del 7,2%, raggiungendo 1,63 miliardi di dollari rispetto alla fine dell'anno, grazie all'emissione di debito subordinato avvenuta a marzo 2025. Il miglioramento delle performance aziendali deriva dalla riallocazione di 75 milioni di dollari del portafoglio investimenti verso titoli a rendimento più elevato e dalla revisione al rialzo dei tassi sui prestiti esistenti. Il Consiglio di Amministrazione ha dichiarato un dividendo trimestrale di 0,16 dollari per azione, segnando il 32° anno consecutivo di aumenti dei dividendi.

Chesapeake Financial Shares (CPKF) reportó sólidos resultados en el segundo trimestre de 2025 con ganancias de 3,15 millones de dólares, un aumento del 3,6% respecto a los 3,04 millones de dólares del segundo trimestre de 2024. Las ganancias por acción totalmente diluidas alcanzaron 0,669 dólares, frente a los 0,646 dólares del año anterior.

Los activos totales crecieron un 7,2% hasta alcanzar 1,63 mil millones de dólares desde fin de año, impulsados por la emisión de deuda subordinada en marzo de 2025. La mejora en el desempeño de la empresa se debe a la reposición de 75 millones de dólares del portafolio de inversiones hacia valores de mayor rendimiento y al aumento en la tasación de los préstamos existentes. La Junta declaró un dividendo trimestral de 0,16 dólares por acción, marcando su 32º año consecutivo de incrementos en dividendos.

체서피크 파이낸셜 셰어�(CPKF)� 2025� 2분기� 315� 달러� 강력� 실적� 보고했으�, 이는 2024� 2분기� 304� 달러 대� 3.6% 증가� 수치입니�. 완전 희석 기준 주당순이익은 0.669달러� 전년도의 0.646달러에서 상승했습니다.

� 자산은 2025� 3월의 후순� 채권 발행� 힘입� 연말 대� 7.2% 증가� 16� 3천만 달러� 기록했습니다. 회사� 실적 향상은 투자 포트폴리오의 7,500� 달러� 고수� 증권으로 재배치하� 기존 대출의 금리� 인상� � 기인합니�. 이사회는 분기� 주당 0.16달러� 배당금을 선언했으�, 이는 32� 연속 배당� 인상 기록입니�.

Chesapeake Financial Shares (CPKF) a annoncé de solides résultats pour le deuxième trimestre 2025 avec un bénéfice de 3,15 millions de dollars, soit une hausse de 3,6 % par rapport aux 3,04 millions de dollars du deuxième trimestre 2024. Le bénéfice par action entièrement dilué a atteint 0,669 dollar, contre 0,646 dollar un an plus tôt.

Le total des actifs a augmenté de 7,2 % pour atteindre 1,63 milliard de dollars depuis la fin de l'année, grâce à l'émission de dette subordonnée en mars 2025. L'amélioration des performances de l'entreprise résulte du repositionnement de 75 millions de dollars du portefeuille d'investissement vers des titres à rendement plus élevé et de la revalorisation à la hausse des prêts existants. Le conseil d'administration a déclaré un dividende trimestriel de 0,16 dollar par action, marquant ainsi sa 32e année consécutive d'augmentation des dividendes.

Chesapeake Financial Shares (CPKF) meldete starke Ergebnisse für das zweite Quartal 2025 mit einem Gewinn von 3,15 Millionen US-Dollar, was einer Steigerung von 3,6 % gegenüber 3,04 Millionen US-Dollar im zweiten Quartal 2024 entspricht. Der verwässerte Gewinn je Aktie betrug 0,669 US-Dollar, gegenüber 0,646 US-Dollar im Vorjahreszeitraum.

Die Gesamtvermögenswerte wuchsen um 7,2 % auf 1,63 Milliarden US-Dollar seit Jahresende, angetrieben durch die Emission von nachrangigen Schuldtiteln im März 2025. Die verbesserte Performance des Unternehmens resultiert aus der Umstrukturierung von 75 Millionen US-Dollar des Anlageportfolios in höher verzinsliche Wertpapiere sowie der Anhebung der Zinssätze bestehender Kredite. Der Vorstand erklärte eine Quartalsdividende von 0,16 US-Dollar je Aktie, was das 32. Jahr in Folge mit Dividendenerhöhungen markiert.

Positive
  • Q2 2025 earnings increased 3.6% year-over-year to $3.15 million
  • Total assets grew 7.2% to $1.63 billion from year-end
  • 32 consecutive years of dividend increases, with current 3.07% yield
  • Specialty business lines on track to double net contribution over four-year plan
  • Net interest margin continues to expand due to portfolio repositioning
Negative
  • Nonperforming assets increased to 0.485% from 0.328% at year-end
  • Took on additional debt through subordinated debt issuance in March

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

KILMARNOCK, VA / / July 22, 2025 / 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 earnings for the second quarter of 2025 of $3,145,639 compared to $3,036,512 for the second quarter of 2024. The reported earnings per share were $0.669 fully diluted as compared to $0.646 for the second quarter of 2024. Total assets ended the quarter at $1,634,601,490, a 7.2% increase from year-end. Nonperforming assets were 0.485% as of June 30, 2025 compared to 0.328% at year-end.

"The increase in assets from year-end is largely driven by the issuance of subordinated debt in March of this year and the subsequent deployment and leveraging of these funds. The 3.6% increase in quarterly earnings (14.4% annualized) is coming from two primary sources: the repositioning of $75 million of the investment portfolio into higher-yield securities and the continued repricing upward of our existing loan portfolio. The net interest margin for the company continues to expand for the above two reasons," said Szyperski.

"The company's three specialty lines of business, Chesapeake Payment Systems, Flexent, and Chesapeake Wealth Management, are in their second year of a four-year plan to double their net contribution and are progressing well," Szyperski continued.

At the July 18, 2025 Chesapeake Financial Shares Board of Directors meeting, the Board declared a quarterly dividend of $0.16 per share effective September 1, 2025, payable on or before September 15, 2025. The company has increased its dividend for 32 consecutive years. The stock currently has a 3.07% dividend yield.

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

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

SOURCE: Chesapeake Financial Shares, Inc.



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FAQ

What were Chesapeake Financial Shares (CPKF) Q2 2025 earnings?

CPKF reported Q2 2025 earnings of $3.15 million ($0.669 per share), up 3.6% from $3.04 million ($0.646 per share) in Q2 2024.

What dividend did CPKF declare for Q2 2025?

CPKF declared a quarterly dividend of $0.16 per share, payable September 15, 2025, representing their 32nd consecutive year of dividend increases with a 3.07% yield.

How much did Chesapeake Financial's assets grow in 2025?

Total assets grew 7.2% to $1.63 billion from year-end, primarily driven by subordinated debt issuance in March 2025.

What is CPKF's strategy for improving performance?

CPKF repositioned $75 million of investment portfolio into higher-yield securities and implemented upward repricing of existing loans, while their specialty business lines aim to double net contribution over a four-year plan.

What is Chesapeake Financial's current nonperforming assets ratio?

CPKF's nonperforming assets ratio was 0.485% as of June 30, 2025, an increase from 0.328% at year-end.
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89.97M
3.92M
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Banks - Regional
Financial Services
United States
Kilmarnock