Consumers Bancorp (CBKM) AI Stock Analysis

Consumers Bancorp

(Other OTC:CBKM)

Select Model

Rating:47.9Neutral

Price Target:$32.00▲(1.54% Upside)

Action:reiterated

Date:10/31/26

The overall score is significantly constrained by the company's alarming cash flow deterioration, which is the most critical risk factor. Despite a low P/E ratio and a stable dividend, the severe disconnect between net income and operating cash flow raises substantial concerns about earnings quality and sustainability. Technicals are neutral, and a recent orderly board transition provides only marginal support. The primary investment case hinges on whether the company can reverse its cash flow decline.

Positive Factors

Steady revenue and profitabilitySteady revenue expansion alongside healthy net and EBIT margins indicates that the regional banking franchise continues to generate meaningful operating profits. This earnings base can support ongoing lending activity, service delivery, and internal investment over the next several quarters.

Negative Factors

Material deterioration in cash generationThe sharp decline in operating and free cash flow indicates weaker cash earnings quality and less dependable internal funding. Persistent volatility could reduce flexibility to support growth, absorb credit-related pressure, or maintain capital allocation without relying more heavily on balance-sheet resources.

Consumers Bancorp (CBKM) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $98.84M
Dividend Yield: 2.70%
Average Volume (3M): 3,024
Price to Earnings (P/E): 8.5
Beta (1Y): 0.16
Revenue Growth: 12.64%
EPS Growth: 27.09%
Country: US
Employees: 190
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Consumers Bancorp Business Overview & Revenue Model

Company Description

Consumers Bancorp, Inc. functions as the holding company for Consumers National Bank, delivering a comprehensive suite of commercial and retail banking solutions. These services cater to a diverse client base, including individual customers, agricult...

How the Company Makes Money

CBKM primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is produced by originating and holding interest-earning assets—primarily loans (such as commercial, real e...

Consumers Bancorp Financial Statement Overview

Summary

Financial performance is severely weakened by a collapse in cash flow generation. Operating cash flow fell from $14.9M to $1.5M, and free cash flow growth was -82.2%. While the balance sheet shows improved leverage (debt-to-equity of 0.63), declining profitability metrics like net margin (17.0%) and ROE (12.4%) confirm eroding efficiency. The overall score is dragged down by the critical disconnect between reported profits and actual cash generation.

Income Statement

35Negative

Balance Sheet

62Positive

Cash Flow

15Very Negative

Financial statement breakdown
Breakdown	TTM	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022
Income Statement
Total Revenue	65.49M	65.49M	56.88M	52.67M	44.35M	37.70M
Gross Profit	44.65M	44.65M	36.79M	34.82M	36.27M	35.55M
EBITDA	13.23M	14.52M	11.54M	11.58M	14.03M	14.58M
Net Income	11.16M	11.16M	8.67M	8.58M	10.67M	11.19M
Balance Sheet
Total Assets	1.28B	1.28B	1.17B	1.10B	1.06B	977.31M
Cash, Cash Equivalents and Short-Term Investments	283.85M	283.85M	181.11M	282.51M	293.84M	311.38M
Total Debt	56.22M	56.22M	38.06M	43.72M	35.14M	50.85M
Total Liabilities	1.19B	1.19B	1.09B	1.03B	1.00B	923.34M
Stockholders Equity	89.89M	89.89M	76.27M	63.69M	55.48M	53.97M
Cash Flow
Free Cash Flow	617.00K	9.29M	4.86M	8.39M	11.49M	13.47M
Operating Cash Flow	1.48M	10.92M	7.93M	9.38M	13.32M	14.95M
Investing Cash Flow	-104.49M	-104.22M	-61.70M	-30.45M	-92.22M	-65.22M
Financing Cash Flow	99.66M	99.66M	55.95M	27.04M	69.71M	52.70M

Consumers Bancorp Technical Analysis

Technical Analysis SentimentNegative

Last Price31.52

Price Trends

50DMA32.19Negative

100DMA30.90Positive

200DMA28.44Positive

Market Momentum

MACD-0.14Positive

RSI41.25Neutral

STOCH55.98Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBKM, the sentiment is Negative. The current price of 31.52 is below the 20-day moving average (MA) of 31.84, below the 50-day MA of 32.19, and above the 200-day MA of 28.44, indicating a neutral trend. The MACD of -0.14 indicates Positive momentum. The RSI at 41.25 is Neutral, neither overbought nor oversold. The STOCH value of 55.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CBKM.

Consumers Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CBKM against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FUSB	73Outperform	$90.83M	11.92	7.58%	1.70%	3.80%	43.33%
BOTJ	69Neutral	$107.95M	9.06	14.94%	1.67%	7.06%	52.33%
UBCP	69Neutral	$81.21M	10.16	11.53%	6.58%	6.21%	8.32%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SSBI	52Neutral	$77.40M	190.33	0.33%	―	-7.24%	―
CBKM	48Neutral	$99.50M	8.51	2.97%	2.70%	12.64%	27.09%
FNWB	44Neutral	$97.30M	-1107.53	-0.03%	―	-6.23%	99.73%

* Financial Sector Average

Performance Comparison

CBKM and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CBKM	Consumers Bancorp	31.52	8.75	38.45%
BOTJ	Bank Of The James Financial Group, Inc.	24.01	7.80	48.07%
SSBI	Summit State Bank	11.42	0.57	5.25%
UBCP	United Bancorp	14.43	2.45	20.42%
FUSB	First Us Bancshares	16.45	3.77	29.76%
FNWB	First Northwest Bancorp	10.30	1.40	15.73%

Consumers Bancorp Corporate Events

Executive/Board ChangesShareholder Meetings

Consumers Bancorp Announces Leadership Transition and Board Updates

Positive

Oct 30, 2026

Effective October 29, 2026, Consumers Bancorp, Inc. and Consumers National Bank implemented a leadership transition as longtime chairman Frank Paden retired from the boards under the company’s mandatory retirement age policy. Current director J...

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.

Date of analysis: Oct 30, 2026

Consumers Bancorp AI Stock Analysis