A Business at a Glance
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CONSUMERS BANCORP INC /OH/
CBKM
$92M
Mkt Cap
$29.49
-0.81%
CONSUMERS BANCORP INC /OH/ (CBKM) has a current P/E ratio of 9.7, compared to its historical median P/E of 6.6. The stock is currently considered Fair based on its historical valuation range.
CONSUMERS BANCORP INC /OH/ (CBKM) has a 5-year average return on invested capital (ROIC) of 15.6%. This indicates strong capital allocation and a potential competitive advantage.
CONSUMERS BANCORP INC /OH/ (CBKM) has a market capitalization of $94M. It is classified as a small-cap stock.
Yes, CONSUMERS BANCORP INC /OH/ (CBKM) pays a dividend with a trailing twelve-month yield of 2.67%.
Based on historical P/E analysis, CONSUMERS BANCORP INC /OH/ (CBKM) appears fair. The current P/E of 9.7 is 47% above its historical median of 6.6. The estimated fair value CAGR (P/E method) is 7.9%.
CONSUMERS BANCORP INC /OH/ (CBKM) operates in the National Commercial Banks industry, within the Financials sector.
CONSUMERS BANCORP INC /OH/ (CBKM) reported annual revenue of $58 million in its most recent fiscal year, based on SEC EDGAR filings.
(Dollars in thousands, except per share data) Consumers Bancorp, Inc. (Company) is a bank holding company as defined under the Bank Holding Company Act of 1956, as amended (BHCA), and is a registered bank holding company under that act and was incorporated under the laws of the State of Ohio in 1994. In February 1995, the Company acquired all the issued and outstanding capital stock of Consumers National Bank (Bank), a bank chartered under the laws of the United States of America. The Company’s activities have been limited primarily to holding the common stock of the Bank. Consumers National Bank is a community-oriented financial institution that offers a wide range of commercial and consumer loan and deposit products, as well as mortgage, financial planning and investment services to individuals, farmers and small and medium sized businesses in our markets.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 43M | 58M | 54M | 46M | 39M | 33M |
| Net Income | 9.5M | 8.7M | 8.6M | 11M | 11M | 9.0M |
| EPS | $3.00 | $2.77 | $2.76 | $3.45 | $3.68 | $2.98 |
| Free Cash Flow | 8.3M | 4.9M | 8.4M | 11M | 13M | 13M |
| ROIC | 0.0% | 12.4% | 14.4% | 19.5% | 18.1% | 13.5% |
| Gross Margin | - | 66.7% | 69.0% | 85.4% | 94.5% | 91.7% |
| Debt/Equity | 0.24 | 0.20 | 0.47 | 0.48 | 0.39 | 0.17 |
| Dividends/Share | $0.79 | $0.76 | $0.72 | $0.68 | $0.64 | $0.59 |
| Operating Income | 0 | 10M | 10M | 13M | 14M | 11M |
| Operating Margin | 0.0% | 17.6% | 19.3% | 28.3% | 34.8% | 32.9% |
| ROE | 11.1% | 12.4% | 14.4% | 19.5% | 18.1% | 13.5% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 3M | 3M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 16M | 17M | 18M | 19M | 21M | 25M | 30M | 33M | 39M | 46M | 54M | 58M | 43M |
| Gross Margin | 92.4% | 92.0% | 86.4% | 90.9% | 90.5% | 85.5% | 80.7% | 91.7% | 94.5% | 85.4% | 69.0% | 66.7% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 6.4M | 6.8M | 6.9M | 7.1M | 7.7M | 8.4M | 9.6M | 11M | 13M | 14M | 14M | 16M | 17M |
| EBIT | 221K | 225K | 188K | 166K | 188K | 6.6M | 291K | 11M | 14M | 13M | 10M | 10M | 0 |
| Op. Margin | 1.3% | 1.3% | 1.1% | 0.9% | 0.9% | 26.5% | 1.0% | 32.9% | 34.8% | 28.3% | 19.3% | 17.6% | 0.0% |
| Net Income | 2.8M | 3.0M | 2.1M | 3.0M | 3.6M | 5.6M | 5.5M | 9.0M | 11M | 11M | 8.6M | 8.7M | 9.5M |
| Net Margin | 17.3% | 17.1% | 12.2% | 15.9% | 17.1% | 22.4% | 18.4% | 27.3% | 28.8% | 23.4% | 15.9% | 14.8% | 22.2% |
| Non-Recurring | 0 | 0 | -7K | -2K | 6K | 11K | 2K | -26K | -6K | 0 | 0 | 7K | 7K |
| Returns on Capital | |||||||||||||
| ROIC | 8.3% | 7.2% | 5.0% | 6.9% | 8.2% | 11.7% | 9.7% | 13.5% | 18.1% | 19.5% | 14.4% | 12.4% | 0.0% |
| ROE | 8.3% | 7.2% | 5.0% | 6.9% | 8.2% | 11.7% | 9.7% | 13.5% | 18.1% | 19.5% | 14.4% | 12.4% | 11.1% |
| ROA | 0.8% | 0.8% | 0.5% | 0.7% | 0.7% | 1.1% | 0.9% | 1.1% | 1.2% | 1.0% | 0.8% | 0.8% | 0.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 4.0M | 5.6M | 3.9M | 5.4M | 5.9M | 6.4M | 5.6M | 14M | 15M | 13M | 9.4M | 7.9M | 9.6M |
| Free Cash Flow | 2.4M | 139K | 1.2M | 4.8M | 5.2M | 4.7M | 5.1M | 13M | 13M | 11M | 8.4M | 4.9M | 8.3M |
| Owner Earnings | 3.3M | 5.0M | 3.2M | 4.6M | 5.1M | 5.6M | 4.5M | 13M | 14M | 12M | 8.2M | 6.7M | -1.7M |
| CapEx | 1.6M | 5.5M | 2.6M | 598K | 688K | 1.7M | 497K | 1.2M | 1.5M | 1.8M | 983K | 3.1M | 1.3M |
| Maint. CapEx | 551K | 575K | 647K | 781K | 771K | 797K | 1.1M | 967K | 1.0M | 1.1M | 1.2M | 1.2M | 11M |
| Growth CapEx | 1.0M | 4.9M | 2.0M | 0 | 0 | 874K | 0 | 187K | 432K | 714K | 0 | 1.9M | 0 |
| D&A | 551K | 575K | 647K | 781K | 771K | 797K | 1.1M | 967K | 1.0M | 1.1M | 1.2M | 1.2M | 11M |
| CapEx/OCF | 39.0% | 97.5% | 68.4% | 11.1% | 11.8% | 26.2% | 8.9% | 8.2% | 9.9% | 13.7% | 10.5% | 38.7% | 13.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.3M | 1.3M | 1.3M | 1.3M | 1.4M | 1.4M | 1.6M | 1.8M | 1.9M | 2.1M | 2.2M | 2.4M | 2.5M |
| Dividend Yield | 4.0% | 3.7% | 3.8% | 3.8% | 3.1% | 3.2% | 3.8% | 4.0% | 3.4% | 4.1% | 4.6% | 4.3% | 2.7% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 125K | 66K | 23K | N/A | 6K | 3K | 12K | 13K | 21K | 27K | 9K | 13K | 13K |
| Debt Repayment | 7.0M | 349K | 709K | 4.9M | 11M | 9.7M | 909K | 5.3M | 9.1M | 5.1M | 3.6M | 14M | 14M |
| Balance Sheet | |||||||||||||
| Net Debt | -118M | -128M | -124M | -128M | -138M | -150M | -145M | -204M | -286M | -265M | -253M | -3.9M | -1.1M |
| Cash & Equiv. | 11M | 11M | 10M | 9.9M | 7.8M | 9.5M | 8.4M | 8.9M | 11M | 12M | 18M | 19M | 22M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20M |
| Debt/Equity | 0.48 | 0.48 | 0.44 | 0.55 | 0.31 | 0.07 | 0.11 | 0.17 | 0.39 | 0.48 | 0.47 | 0.20 | 0.24 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 40M | 41M | 44M | 44M | 44M | 51M | 63M | 70M | 54M | 55M | 64M | 76M | 86M |
| Total Assets | 382M | 404M | 430M | 458M | 503M | 554M | 741M | 834M | 977M | 1.1B | 1.1B | 1.2B | 1.2B |
| Total Liabilities | 342M | 363M | 387M | 414M | 459M | 503M | 678M | 764M | 923M | 1.0B | 1.0B | 1.1B | 1.1B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | 0 | 256K | 229K | 470K | 414K | 357K | 301K | 273K |
| Retained Earnings | 26M | 28M | 28M | 30M | 32M | 36M | 40M | 48M | 57M | 65M | 72M | 78M | 82M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.05 | 1.08 | 0.79 | 1.10 | 1.31 | 2.04 | 1.92 | 2.98 | 3.68 | 3.45 | 2.76 | 2.77 | 3.00 |
| Owner EPS | 1.23 | 1.81 | 1.17 | 1.69 | 1.86 | 2.05 | 1.57 | 4.32 | 4.56 | 3.94 | 2.64 | 2.14 | -0.52 |
| Book Value | 14.88 | 15.14 | 16.11 | 15.99 | 16.01 | 18.75 | 21.97 | 23.18 | 17.75 | 17.93 | 20.49 | 24.38 | 26.97 |
| Cash Flow/Share | 1.48 | 2.05 | 1.42 | 1.98 | 2.14 | 2.34 | 1.94 | 4.65 | 4.91 | 4.30 | 3.02 | 2.54 | 6.51 |
| Dividends/Share | 0.48 | 0.48 | 0.48 | 0.48 | 0.50 | 0.52 | 0.54 | 0.59 | 0.64 | 0.68 | 0.72 | 0.76 | 0.79 |
| Shares Out. | 2.7M | 2.7M | 2.7M | 2.7M | 2.7M | 2.7M | 2.9M | 3.0M | 3.0M | 3.1M | 3.1M | 3.1M | 3.2M |
| Valuation | |||||||||||||
| P/E Ratio | 12.8 | 12.2 | 15.5 | 13.1 | 13.7 | 7.2 | 6.1 | 5.6 | 4.6 | 4.8 | 5.7 | 7.1 | 9.8 |
| P/FCF | 14.9 | 259.0 | 27.3 | 8.2 | 9.5 | 8.5 | 6.6 | 3.8 | 3.7 | 4.4 | 5.7 | 12.6 | 11.3 |
| EV/EBIT | 251.9 | 248.2 | 278.5 | 379.9 | 332.2 | 4.5 | 4.0 | 4.9 | 4.9 | 3.9 | 3.0 | 2.7 | N/A |
| Price/Book | 0.9 | 0.9 | 0.8 | 0.9 | 1.1 | 0.8 | 0.5 | 0.7 | 0.9 | 0.9 | 0.8 | 0.8 | 1.1 |
| Price/Sales | 2.2 | 2.1 | 2.0 | 1.9 | 15.9 | 14.9 | 12.6 | N/A | N/A | N/A | 11.1 | 12.0 | 2.2 |
| FCF Yield | 6.7% | 0.4% | 3.7% | 12.2% | 10.5% | 11.8% | 15.1% | 25.7% | 26.3% | 22.6% | 17.3% | 7.9% | 8.8% |
| Market Cap | 36M | 36M | 33M | 39M | 49M | 40M | 34M | 50M | 51M | 51M | 49M | 62M | 94M |
| Avg. Price | 12.29 | 12.85 | 12.54 | 12.59 | 15.82 | 16.22 | 14.08 | 14.79 | 18.64 | 16.58 | 15.54 | 17.81 | 29.49 |
| Year-End Price | 13.39 | 13.15 | 12.23 | 14.36 | 17.95 | 14.68 | 11.75 | 16.37 | 16.56 | 16.28 | 15.45 | 19.63 | 29.49 |
CONSUMERS BANCORP INC /OH/ passes 5 of 9 quality checks, suggesting mixed fundamentals.
CONSUMERS BANCORP INC /OH/ trades at 9.7x trailing earnings, compared to its 15-year median P/E of 6.6x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.2x vs a median of 7.4x. The company's 5-year average ROIC is 15.6% with a gross margin of 81.4%. Total shareholder yield (dividends) is 2.7%. At current prices, the estimated annualized return to fair value is +2.8%.
CONSUMERS BANCORP INC /OH/ (CBKM) has a net profit margin of 14.8%. This is a healthy margin.
CONSUMERS BANCORP INC /OH/ (CBKM) generated $5 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CONSUMERS BANCORP INC /OH/ (CBKM) has a debt-to-equity ratio of 0.20. This indicates a conservatively financed balance sheet.
CONSUMERS BANCORP INC /OH/ (CBKM) reported earnings per share (EPS) of $2.77 in its most recent fiscal year.
CONSUMERS BANCORP INC /OH/ (CBKM) has a return on equity (ROE) of 12.4%. This indicates moderate shareholder returns.
CONSUMERS BANCORP INC /OH/ (CBKM) has a 5-year average gross margin of 81.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 15 years of financial data for CONSUMERS BANCORP INC /OH/ (CBKM), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CONSUMERS BANCORP INC /OH/ (CBKM) has a book value per share of $24.38, based on its most recent annual SEC filing.
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