CBKM
Consumers Bancorp, Inc.
Price Chart
Latest Quote
$28.75
-0.24 (-0.83%)
Current Price
| Previous Close | $28.99 |
| Open | $28.25 |
| Day High | $29.00 |
| Day Low | $28.25 |
| Volume | 2,000 |
Stock Information
| Quarterly Dividend / Yield | $0.84 / 2.92% |
| Shares Outstanding | 3.14M |
| Quarterly Dividend Yield | 2.92% |
| Quarterly Dividend | $0.84 |
| Total Debt | $28.71M |
| Cash Equivalents | $17.32M |
| Revenue | $43.35M |
| Net Income | $10.50M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $90.41M |
| P/E Ratio | 8.61 |
| EPS (TTM) | $3.34 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $101.80M |
| Sales | $43.35M |
| Income | $10.50M |
| Book/sh | $27.62 |
| Cash/sh | $5.51 |
| Employees | 178 |
Financial Ratios
| EPS Growth TTM | 52.20% |
Returns & Margins
| ROA | 0.89% |
| ROE | 13.10% |
| Operating Margin | 31.59% |
| Profit Margin | 24.22% |
Ownership
| Insider Ownership | 11.73% |
| Institutional Ownership | 5.61% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.09 |
| P/B | 1.04 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $27.77 |
| SMA50 | $26.88 |
| SMA200 | $24.72 |
| RSI | 76.15 |
| ATR | 0.6214 |
| Shares Float | 2.74M |
| Volatility | -0.12 |
| Rel Volume | 1.28 |
Performance History
| Week | +2.68% |
| Month | +8.32% |
| Quarter | +11.57% |
| 6 Months | +24.94% |
| YTD | +11.96% |
| Year | +49.56% |
| 3 Years | +89.56% |
| 5 Years | +78.05% |
| 10 Years | +131.24% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-16 | $28.75 | 3,100 |
| 2026-06-15 | $28.99 | 5,300 |
| 2026-06-12 | $28.20 | 6,900 |
| 2026-06-11 | $27.99 | 3,900 |
| 2026-06-10 | $28.00 | 0 |
| 2026-06-09 | $28.00 | 10,500 |
| 2026-06-08 | $28.34 | 400 |
| 2026-06-05 | $28.25 | 2,000 |
| 2026-06-04 | $28.28 | 2,200 |
| 2026-06-03 | $27.70 | 1,200 |
| 2026-06-02 | $27.70 | 500 |
| 2026-06-01 | $27.51 | 900 |
| 2026-05-29 | $27.50 | 2,800 |
| 2026-05-28 | $27.45 | 1,700 |
| 2026-05-27 | $27.39 | 0 |
| 2026-05-26 | $27.39 | 0 |
| 2026-05-22 | $27.39 | 700 |
| 2026-05-21 | $26.82 | 500 |
| 2026-05-20 | $27.22 | 5,900 |
| 2026-05-19 | $26.54 | 0 |
| 2026-05-18 | $26.54 | 6,000 |
About Consumers Bancorp, Inc.
Consumers Bancorp, Inc. operates as the bank holding company for Consumers National Bank that provides various banking products and services for individuals, farmers, and small and medium-sized businesses. The company accepts various deposit products, such as noninterest and interest-bearing demand deposits and savings accounts, and time deposits, as well as certificates of deposit. It also provides commercial and industrial loans, such as financing for equipment, inventories, and accounts receivable; commercial real estate loans, including mortgage loans to owners of owner-occupied commercial properties, commercial investment properties, and multi-family investment properties, as well as loans originated to finance the construction of owner occupied and investment properties; finance or refinance the acquisition or improvement of land used for agricultural purposes; land development loans to finance land acquisition and infrastructure improvements; residential real estate loans comprising one to four family residential properties and owner occupied, non-owner occupied, construction, and home equity loans; and consumer loans primarily for automobile loans, personal lines of credit, and unsecured consumer loans. In addition, the company invests in securities consisting of obligations of the United States government sponsored entities, municipal obligations, and mortgage-backed securities. Further, it offers small business administration, business term, and commercial construction loans; credit and debit cards; ATM; and online and mobile banking services, as well as cash management services. The company was founded in 1965 and is headquartered in Minerva, Ohio.
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Income Statement (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $37,939,000 | $35,442,000 | $37,127,000 | $36,282,000 |
| Operating Revenue | $37,939,000 | $35,442,000 | $37,127,000 | $36,282,000 |
| Expenses | ||||
| Interest Expense | $18,942,000 | $17,226,000 | $7,224,000 | $1,414,000 |
| Selling And Marketing Expense | $821,000 | $731,000 | $740,000 | $663,000 |
| General And Administrative Expense | $16,687,000 | $15,574,000 | $14,990,000 | $14,215,000 |
| Professional Expense And Contract Services Expense | $1,290,000 | $1,033,000 | $1,065,000 | $878,000 |
| Other Non Interest Expense | $3,899,000 | $3,567,000 | $3,313,000 | $3,178,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $8,667,000 | $8,580,000 | $10,674,000 | $11,192,000 |
| Net Interest Income | $34,107,000 | $31,992,000 | $33,715,000 | $32,746,000 |
| Interest Income | $53,049,000 | $49,218,000 | $40,939,000 | $34,160,000 |
| Normalized Income | $8,667,000 | $8,602,222 | $10,674,000 | $11,192,000 |
| Net Income From Continuing And Discontinued Operation | $8,667,000 | $8,580,000 | $10,674,000 | $11,192,000 |
| Net Income Common Stockholders | $8,667,000 | $8,580,000 | $10,674,000 | $11,192,000 |
| Net Income | $8,667,000 | $8,580,000 | $10,674,000 | $11,192,000 |
| Net Income Including Noncontrolling Interests | $8,667,000 | $8,580,000 | $10,674,000 | $11,192,000 |
| Net Income Continuous Operations | $8,667,000 | $8,580,000 | $10,674,000 | $11,192,000 |
| Pretax Income | $10,324,000 | $10,425,000 | $12,922,000 | $13,531,000 |
| Depreciation Amortization Depletion Income Statement | $56,000 | $57,000 | $56,000 | $54,000 |
| Depreciation And Amortization In Income Statement | $56,000 | $57,000 | $56,000 | $54,000 |
| Amortization Of Intangibles Income Statement | $56,000 | $57,000 | $56,000 | $54,000 |
| Per Share | ||||
| Diluted EPS | - | $2.76 | $3.45 | $3.68 |
| Basic EPS | - | $2.76 | $3.45 | $3.68 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $-4,778 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $-27,000 | $0 | - |
| Total Unusual Items Excluding Goodwill | $0 | $-27,000 | $0 | - |
| Reconciled Depreciation | $1,213,000 | $1,152,000 | $1,107,000 | $1,045,000 |
| Diluted Average Shares | $3,128,881 | $3,108,696 | $3,093,913 | $3,041,304 |
| Basic Average Shares | $3,128,881 | $3,108,696 | $3,093,913 | $3,041,304 |
| Diluted NI Availto Com Stockholders | $8,667,000 | $8,580,000 | $10,674,000 | $11,192,000 |
| Tax Provision | $1,657,000 | $1,845,000 | $2,248,000 | $2,339,000 |
| Gain On Sale Of Security | $11,000 | $-85,000 | $0 | $-18,000 |
| Amortization | $56,000 | $57,000 | $56,000 | $54,000 |
| Selling General And Administration | $17,508,000 | $16,305,000 | $15,730,000 | $14,878,000 |
| Other Gand A | $324,000 | $357,000 | $362,000 | $375,000 |
| Insurance And Claims | $772,000 | $801,000 | $608,000 | $580,000 |
| Salaries And Wages | $15,591,000 | $14,416,000 | $14,020,000 | $13,260,000 |
| Occupancy And Equipment | $3,715,000 | $3,436,000 | $3,186,000 | $3,028,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $73,518,000 | $60,876,000 | $52,618,000 | $51,048,000 |
| Total Assets | $1,165,008,000 | $1,097,089,000 | $1,060,024,000 | $977,313,000 |
| Goodwill And Other Intangible Assets | $2,753,000 | $2,809,000 | $2,866,000 | $2,922,000 |
| Other Intangible Assets | $301,000 | $357,000 | $414,000 | $470,000 |
| Cash And Cash Equivalents | $19,377,000 | $17,709,000 | $14,235,000 | $15,035,000 |
| Cash Cash Equivalents And Federal Funds Sold | $19,908,000 | $17,723,000 | $14,256,000 | $24,733,000 |
| Receivables | - | $23,615,000 | $22,967,000 | $10,184,000 |
| Accounts Receivable | - | $23,615,000 | $22,967,000 | $10,184,000 |
| Debt | ||||
| Net Debt | $3,174,000 | $6,000,000 | $20,908,000 | $14,516,000 |
| Total Debt | $22,551,000 | $23,709,000 | $9,976,000 | $29,551,000 |
| Long Term Debt And Capital Lease Obligation | $22,551,000 | $13,709,000 | $8,776,000 | $8,256,000 |
| Long Term Debt | $22,551,000 | $13,709,000 | $8,776,000 | $8,256,000 |
| Current Debt And Capital Lease Obligation | $0 | $10,000,000 | $1,200,000 | $21,295,000 |
| Current Debt | $0 | $10,000,000 | $1,200,000 | $21,295,000 |
| Other Current Borrowings | $0 | $10,000,000 | $0 | $21,295,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,088,737,000 | $1,033,404,000 | $1,004,540,000 | $923,343,000 |
| Payables And Accrued Expenses | - | - | $16,864,000 | $7,230,000 |
| Payables | - | - | $16,864,000 | $7,230,000 |
| Accounts Payable | - | - | $16,864,000 | $7,230,000 |
| Equity | ||||
| Common Stock Equity | $76,271,000 | $63,685,000 | $55,484,000 | $53,970,000 |
| Total Equity Gross Minority Interest | $76,271,000 | $63,685,000 | $55,484,000 | $53,970,000 |
| Stockholders Equity | $76,271,000 | $63,685,000 | $55,484,000 | $53,970,000 |
| Gains Losses Not Affecting Retained Earnings | $-22,554,000 | $-28,332,000 | $-29,961,000 | $-22,106,000 |
| Other Equity Adjustments | $-22,554,000 | $-28,332,000 | $-29,961,000 | $-22,106,000 |
| Retained Earnings | $77,818,000 | $71,534,000 | $65,485,000 | $56,906,000 |
| Other | ||||
| Treasury Shares Number | $48,639 | $48,639 | $48,639 | $75,382 |
| Ordinary Shares Number | $3,144,775 | $3,123,588 | $3,096,100 | $3,056,674 |
| Share Issued | $3,193,414 | $3,172,227 | $3,144,739 | $3,132,056 |
| Tangible Book Value | $73,518,000 | $60,876,000 | $52,618,000 | $51,048,000 |
| Invested Capital | $98,822,000 | $87,394,000 | $65,460,000 | $83,521,000 |
| Total Capitalization | $98,822,000 | $77,394,000 | $64,260,000 | $62,226,000 |
| Treasury Stock | $583,000 | $695,000 | $809,000 | $1,117,000 |
| Capital Stock | $21,590,000 | $21,178,000 | $20,769,000 | $20,287,000 |
| Common Stock | $21,590,000 | $21,178,000 | $20,769,000 | $20,287,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $279,434,000 | $271,237,000 | $286,961,000 | $304,621,000 |
| Held To Maturity Securities | $5,167,000 | $6,054,000 | $6,970,000 | $7,874,000 |
| Available For Sale Securities | $112,533,000 | $381,000 | $386,000 | $400,000 |
| Goodwill | $2,452,000 | $2,452,000 | $2,452,000 | $2,452,000 |
| Net PPE | $18,688,000 | $16,927,000 | $17,182,000 | $16,521,000 |
| Accumulated Depreciation | $-11,242,000 | $-10,317,000 | $-9,222,000 | $-8,296,000 |
| Gross PPE | $29,930,000 | $27,244,000 | $26,404,000 | $24,816,000 |
| Machinery Furniture Equipment | $9,369,000 | $8,411,000 | $7,600,000 | $7,206,000 |
| Buildings And Improvements | $17,583,000 | $15,944,000 | $15,973,000 | $15,608,000 |
| Land And Improvements | $2,978,000 | $2,889,000 | $2,831,000 | $2,003,000 |
| Other Short Term Investments | $161,734,000 | $264,802,000 | $279,605,000 | $296,347,000 |
| Line Of Credit | - | $0 | $1,200,000 | - |
| Other Properties | - | - | - | $-1,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $4,863,000 | $8,393,000 | $11,495,000 | $13,470,000 |
| Operating Activities | ||||
| Operating Cash Flow | $7,934,000 | $9,376,000 | $13,316,000 | $14,947,000 |
| Cash Flow From Continuing Operating Activities | $7,934,000 | $9,376,000 | $13,316,000 | $14,947,000 |
| Operating Gains Losses | $-7,000 | $80,000 | $-14,000 | $-632,000 |
| Investing Activities | ||||
| Capital Expenditure | $-3,071,000 | $-983,000 | $-1,821,000 | $-1,477,000 |
| Investing Cash Flow | $-61,697,000 | $-30,446,000 | $-92,219,000 | $-65,222,000 |
| Cash Flow From Continuing Investing Activities | $-61,697,000 | $-30,446,000 | $-92,219,000 | $-65,222,000 |
| Net Other Investing Changes | $-2,782,000 | $130,000 | $368,000 | $25,000 |
| Financing Activities | ||||
| Financing Cash Flow | $55,948,000 | $27,038,000 | $69,706,000 | $52,698,000 |
| Cash Flow From Continuing Financing Activities | $55,948,000 | $27,038,000 | $69,706,000 | $52,698,000 |
| Net Other Financing Charges | $147,000 | $264,000 | $238,000 | $174,000 |
| Cash Dividends Paid | $-2,383,000 | $-2,246,000 | $-2,095,000 | $-1,949,000 |
| Common Stock Dividend Paid | $-2,383,000 | $-2,246,000 | $-2,095,000 | $-1,949,000 |
| Issuance Of Capital Stock | - | - | - | $174,000 |
| Net Common Stock Issuance | - | - | - | $174,000 |
| Common Stock Issuance | - | - | - | $174,000 |
| Other | ||||
| Repayment Of Debt | $-10,658,000 | $-18,967,000 | $-16,480,000 | $-9,794,000 |
| Issuance Of Debt | $19,500,000 | $23,900,000 | $17,000,000 | $0 |
| Interest Paid Supplemental Data | $19,181,000 | $16,655,000 | $6,929,000 | $1,416,000 |
| Income Tax Paid Supplemental Data | $1,595,000 | $2,169,000 | $2,495,000 | $1,850,000 |
| End Cash Position | $19,908,000 | $17,723,000 | $11,755,000 | $20,952,000 |
| Beginning Cash Position | $17,723,000 | $11,755,000 | $20,952,000 | $18,529,000 |
| Changes In Cash | $2,185,000 | $5,968,000 | $-9,197,000 | $2,423,000 |
| Net Issuance Payments Of Debt | $-5,654,000 | $8,573,000 | $5,592,000 | $-702,000 |
| Net Short Term Debt Issuance | $-14,496,000 | $3,640,000 | $5,072,000 | $9,092,000 |
| Net Long Term Debt Issuance | $8,842,000 | $4,933,000 | $520,000 | $-9,794,000 |
| Long Term Debt Payments | $-10,658,000 | $-18,967,000 | $-16,480,000 | $-9,794,000 |
| Long Term Debt Issuance | $19,500,000 | $23,900,000 | $17,000,000 | $0 |
| Net Investment Purchase And Sale | $-857,000 | $17,174,000 | $6,899,000 | $-106,782,000 |
| Sale Of Investment | $39,435,000 | $30,798,000 | $38,698,000 | $37,878,000 |
| Purchase Of Investment | $-40,292,000 | $-13,624,000 | $-31,799,000 | $-144,660,000 |
| Net PPE Purchase And Sale | $-3,041,000 | $-983,000 | $-1,821,000 | $-1,459,000 |
| Sale Of PPE | $30,000 | $0 | $0 | $18,000 |
| Purchase Of PPE | $-3,071,000 | $-983,000 | $-1,821,000 | $-1,477,000 |
| Change In Working Capital | $-2,696,000 | $-1,228,000 | $-443,000 | $59,000 |
| Change In Other Working Capital | $-2,696,000 | $-1,228,000 | $-443,000 | $59,000 |
| Other Non Cash Items | $94,000 | $-117,000 | $401,000 | $297,000 |
| Unrealized Gain Loss On Investment Securities | $-11,000 | $5,000 | $14,000 | $24,000 |
| Amortization Of Securities | $-15,000 | $527,000 | $818,000 | $1,449,000 |
| Deferred Tax | $-458,000 | $-242,000 | $-96,000 | $146,000 |
| Deferred Income Tax | $-458,000 | $-242,000 | $-96,000 | $146,000 |
| Depreciation Amortization Depletion | $1,213,000 | $1,152,000 | $1,107,000 | $1,045,000 |
| Depreciation And Amortization | $1,213,000 | $1,152,000 | $1,107,000 | $1,045,000 |
| Amortization Cash Flow | $56,000 | $57,000 | $56,000 | $54,000 |
| Amortization Of Intangibles | $56,000 | $57,000 | $56,000 | $54,000 |
| Depreciation | $1,157,000 | $1,095,000 | $1,051,000 | $991,000 |
| Gain Loss On Investment Securities | $0 | $80,000 | $-14,000 | $-6,000 |
| Gain Loss On Sale Of PPE | $-7,000 | $0 | $0 | $6,000 |
| Net Income From Continuing Operations | $8,667,000 | $8,580,000 | $10,674,000 | $11,192,000 |
| Net Business Purchase And Sale | - | - | $0 | $66,552,000 |
| Sale Of Business | - | - | $0 | $66,552,000 |
| Purchase Of Business | - | - | - | - |
Fetched: 2026-02-02