Consumers Bancorp Inc (CBKM)
OTHER OTC:CBKM
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Consumers Bancorp
(OTC:CBKM)
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Rating:76Outperform
Price Target:
$31.00
▲(20.72% Upside)
Action:Upgraded
Date:05/09/26
The score is driven primarily by solid financial performance (steady growth, healthy margins, and improving leverage) and an attractive valuation (low P/E with a ~3% yield). Technicals are supportive with an uptrend, though momentum indicators suggest the stock is somewhat stretched, and cash-flow consistency remains the key fundamental watch item.
Positive Factors
Improved Leverage
A materially lower debt-to-equity (~0.33 TTM) and rising equity reduce financial risk, expand capacity for lending and provisioning, and increase regulatory resilience. This structural de-risking enhances long-term capital flexibility for growth and stress absorption.
Negative Factors
Cash Conversion Volatility
Operating cash flow has been inconsistent (only ~0.40x of net income TTM and very weak in the last annual period), which undermines predictability of internal funding. Persistent volatility could constrain dividend coverage, capital actions, or loan loss absorption in downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
A materially lower debt-to-equity (~0.33 TTM) and rising equity reduce financial risk, expand capacity for lending and provisioning, and increase regulatory resilience. This structural de-risking enhances long-term capital flexibility for growth and stress absorption.
Read all positive factors
Consumers Bancorp (CBKM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$88.93M
Dividend Yield3.36%
Average Volume (3M)1.17K
Price to Earnings (P/E)8.4
Beta (1Y)0.10
Revenue Growth10.94%
EPS Growth23.19%
CountryUS
Employees169
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.34
Shares Outstanding3,144,775
10 Day Avg. Volume1,415
30 Day Avg. Volume1,172
Financial Highlights & Ratios
PEG Ratio19.96
Price to Book (P/B)0.82
Price to Sales (P/S)1.10
P/FCF Ratio12.89
Enterprise Value/Market Cap1.10
Enterprise Value/Revenue1.57
Enterprise Value/Gross Profit2.33
Enterprise Value/Ebitda7.87
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Consumers Bancorp Business Overview & Revenue Model
Company Description
Consumers Bancorp, Inc. operates as the bank holding company for the Consumers National Bank that provides various commercial and retail banking products and services for individuals, farmers, and small and medium-sized businesses. The company acc...
How the Company Makes Money
Consumers Bancorp primarily makes money through traditional banking activities conducted by Consumers National Bank. Its core earnings typically come from (1) net interest income—the spread between interest earned on loans and interest-bearing ass...
Consumers Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 62.41M | 56.88M | 52.67M | 44.35M | 37.70M | 31.86M |
| Gross Profit | 41.98M | 36.79M | 34.82M | 36.27M | 35.55M | 29.11M |
| EBITDA | 12.44M | 11.54M | 11.58M | 14.03M | 14.58M | 11.80M |
| Net Income | 10.50M | 8.67M | 8.58M | 10.67M | 11.19M | 8.99M |
Balance Sheet | ||||||
| Total Assets | 1.24B | 1.17B | 1.10B | 1.06B | 977.31M | 833.80M |
| Cash, Cash Equivalents and Short-Term Investments | 275.69M | 181.11M | 282.51M | 293.84M | 311.38M | 222.49M |
| Total Debt | 28.71M | 38.06M | 43.72M | 35.14M | 50.85M | 30.25M |
| Total Liabilities | 1.15B | 1.09B | 1.03B | 1.00B | 923.34M | 763.90M |
| Stockholders Equity | 86.85M | 76.27M | 63.69M | 55.48M | 53.97M | 69.90M |
Cash Flow | ||||||
| Free Cash Flow | 8.33M | 4.86M | 8.39M | 11.49M | 13.47M | 12.86M |
| Operating Cash Flow | 8.66M | 7.93M | 9.38M | 13.32M | 14.95M | 14.01M |
| Investing Cash Flow | -115.72M | -61.70M | -30.45M | -92.22M | -65.22M | -89.00M |
| Financing Cash Flow | 89.94M | 55.95M | 27.04M | 69.71M | 52.70M | 83.86M |
Consumers Bancorp Technical Analysis
Positive
25.68
Price Trends
26.41
Positive
26.11
Positive
24.41
Positive
Market Momentum
0.43
Negative
69.49
Neutral
93.63
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBKM, the sentiment is Positive. The current price of 25.68 is below the 20-day moving average (MA) of 27.21, below the 50-day MA of 26.41, and above the 200-day MA of 24.41, indicating a bullish trend. The MACD of 0.43 indicates Negative momentum. The RSI at 69.49 is Neutral, neither overbought nor oversold. The STOCH value of 93.63 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBKM.
Consumers Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $104.22M | 9.52 | 14.13% | 2.18% | 5.49% | 66.01% | |
76 Outperform | $88.93M | 8.43 | 12.69% | 3.36% | 10.94% | 23.19% | |
72 Outperform | $89.22M | 15.00 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $89.20M | 15.09 | 5.95% | ― | -5.51% | ― | |
63 Neutral | $92.93M | 11.22 | 11.80% | 6.51% | 7.19% | 9.14% | |
48 Neutral | $96.89M | 18.92 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
CBKM
Consumers Bancorp
28.25
9.86
53.59%
BOTJ
Bank Of The Jame Financial
22.95
9.01
64.59%
SSBI
Summit State Bank
13.39
3.57
36.35%
UBCP
United Bancorp
15.90
3.10
24.22%
FUSB
First US Bancshares
16.16
3.79
30.60%
FNWB
First Northwest Bancorp
10.32
1.86
21.99%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.