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A Year of Strategy, Strength & 125 Years of Legacy
2025 marked an important chapter for Chesapeake Financial Shares — one defined by strategic action, disciplined financial management, and the celebration of a 125‑year legacy that continues to drive long‑term momentum.
In the fourth quarter of 2025, CFS reported earnings of $6.45 million, more than doubling results from the same quarter in 2024. Full-year earnings totaled $10 million, reflecting the intentional decision early in the year to reposition approximately $75 million in investments into higher‑yield opportunities. While this move resulted in an $8 million after‑tax loss in Q1, it positions the company for stronger earnings performance in the years ahead.
CFS ended the year with $1.67 billion in total assets, a growth rate of 9.5%. Loan growth exceeded the organization’s 8% target, while asset quality remained excellent, with nonperforming assets ending at 0.352%. These indicators reflect a healthy balance sheet and resilient portfolio across the bank’s markets.
Non‑interest income was a major contributor in 2025, increasing $4.37 million year over year. Each of CFS’s non‑bank divisions — Chesapeake Payment Systems, Flexent, and Chesapeake Wealth Management — delivered strong performance and meaningful contributions to consolidated net income, reinforcing the company’s emphasis on diversified revenue streams.
Shareholders also saw considerable value creation. The Board declared a quarterly dividend of $0.17 per share, marking the 33rd consecutive year of increases dating back to 1992. The company’s stock price increased 46% from December 31, 2024, to December 31, 2025, representing a total return of 51%.
Beyond the financials, 2025 was a year of celebration as Chesapeake Financial Shares marked its 125th anniversary. The milestone was commemorated “The Chesapeake Way” — with community events, Chessie’s symbolic 125K run, and earning the record for the World’s Largest Crab Cake.
CFS’s performance and culture once again earned national recognition:
- American Banker’s Top Performing Community Banks (18th consecutive year)
- American Banker’s Best Banks to Work For (13th consecutive year)
- Virginia Living’s Best of 2025 — 1st Place Bank in Eastern Virginia
As the company moves into 2026, leadership cites strong asset quality, balanced growth across key divisions, strengthened capital ratios, and improved earnings trajectory as key drivers of long‑term value.
Chesapeake Financial Shares remains committed to redefining what it means to be a financial institution — empowering communities, fostering innovation, and cultivating enduring prosperity driven by the strength of its people.
Own Local
When you invest in Chesapeake Financial Shares, you’re doing more than buying stock – you’re owning a piece of your community.
For more information, email InvestorRelations@ches.bank or call 804.435.3151.
