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Consumers Bancorp
(OTC:CBKM)
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Rating:71Outperform
Price Target:
$36.00
▲(14.54% Upside)
Action:Reiterated
Date:09/11/26
The score is driven primarily by mixed financial performance: profitability and balance sheet metrics are acceptable, but the sharp deterioration in operating/free cash flow is a meaningful risk. Offsetting this, technicals are bullish with price above key moving averages and positive MACD, and valuation is attractive with a low P/E and a moderate dividend yield.
Positive Factors
Steady revenue and profitability
Sustained revenue growth alongside healthy net and EBIT margins indicates that Consumers Bancorp continues to convert its banking franchise into meaningful profits. This earnings base can support ongoing lending activity, technology investment, and resilience across the next several quarters.
Negative Factors
Materially weaker cash generation
The sharp decline in operating and free cash flow reduces funding flexibility and makes reported earnings less consistently backed by cash generation. If the deterioration persists, the bank may have less internally generated capacity for growth, capital needs, or shareholder distributions.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue and profitability
Sustained revenue growth alongside healthy net and EBIT margins indicates that Consumers Bancorp continues to convert its banking franchise into meaningful profits. This earnings base can support ongoing lending activity, technology investment, and resilience across the next several quarters.
Read all positive factors
Consumers Bancorp (CBKM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$104.11M
Dividend Yield2.64%
Average Volume (3M)998.00
Price to Earnings (P/E)9.3
Beta (1Y)0.15
Revenue Growth11.97%
EPS Growth28.26%
CountryUS
Employees190
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.56
Shares Outstanding3,156,730
10 Day Avg. Volume1,463
30 Day Avg. Volume998
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)1.00
Price to Sales (P/S)1.37
P/FCF Ratio9.65
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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. 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, agric...
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, rea...
Consumers Bancorp Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
71
Positive
Cash Flow
38
Negative
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 65.49M | 56.88M | 52.67M | 44.35M | 37.70M |
| Gross Profit | 44.65M | 36.79M | 34.82M | 36.27M | 35.55M |
| EBITDA | 14.52M | 11.54M | 11.58M | 14.03M | 14.58M |
| Net Income | 11.16M | 8.67M | 8.58M | 10.67M | 11.19M |
Balance Sheet | |||||
| Total Assets | 1.28B | 1.17B | 1.10B | 1.06B | 977.31M |
| Cash, Cash Equivalents and Short-Term Investments | 283.85M | 181.11M | 282.51M | 293.84M | 311.38M |
| Total Debt | 56.22M | 38.06M | 43.72M | 35.14M | 50.85M |
| Total Liabilities | 1.19B | 1.09B | 1.03B | 1.00B | 923.34M |
| Stockholders Equity | 89.89M | 76.27M | 63.69M | 55.48M | 53.97M |
Cash Flow | |||||
| Free Cash Flow | 9.29M | 4.86M | 8.39M | 11.49M | 13.47M |
| Operating Cash Flow | 10.92M | 7.93M | 9.38M | 13.32M | 14.95M |
| Investing Cash Flow | -104.22M | -61.70M | -30.45M | -92.22M | -65.22M |
| Financing Cash Flow | 99.66M | 55.95M | 27.04M | 69.71M | 52.70M |
Consumers Bancorp Technical Analysis
Positive
31.43
Price Trends
31.04
Positive
29.32
Positive
27.21
Positive
Market Momentum
0.54
Positive
60.25
Neutral
54.90
Neutral
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 31.43 is below the 20-day moving average (MA) of 32.34, above the 50-day MA of 31.04, and above the 200-day MA of 27.21, indicating a bullish trend. The MACD of 0.54 indicates Positive momentum. The RSI at 60.25 is Neutral, neither overbought nor oversold. The STOCH value of 54.90 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $123.85M | 10.79 | 14.30% | 1.47% | 6.20% | 60.60% | |
71 Outperform | $104.11M | 9.26 | 12.96% | 2.64% | 11.97% | 28.26% | |
68 Neutral | $90.55M | 12.19 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $88.04M | 11.09 | 11.53% | 6.03% | 6.21% | 8.32% | |
53 Neutral | $83.83M | 38.24 | 2.22% | 3.97% | -6.91% | ― | |
43 Neutral | $94.45M | 61.98 | 0.96% | 2.84% | -6.12% | ― |
* Financial Sector Average
CBKM
Consumers Bancorp
32.98
10.70
48.04%
BOTJ
Bank Of The Jame Financial
27.25
12.13
80.27%
SSBI
Summit State Bank
12.35
0.40
3.35%
UBCP
United Bancorp
16.00
3.78
30.95%
FUSB
First US Bancshares
16.45
3.01
22.37%
FNWB
First Northwest Bancorp
10.36
3.06
41.92%
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.