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Consumers Bancorp Inc

Financial Services US CBKM

28.49USD
-0.01(0.04%)

Last update at 2026-06-22T17:19:00Z

Day Range

28.4929.00
LowHigh

52 Week Range

17.9327.22
LowHigh

Fundamentals

  • Previous Close 28.50
  • Market Cap83.87M
  • Volume8000
  • P/E Ratio8.63
  • Dividend Yield-%
  • Revenue TTM41.35M
  • Revenue Per Share TTM12.26
  • Gross Profit TTM 41.35M
  • Diluted EPS TTM3.09

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax 10.32M 10.43M 12.92M 13.53M 10.84M
Minority interest - - - - -
Net income 8.67M 8.58M 10.67M 11.19M 8.99M
Selling general administrative 17.51M 16.30M 15.73M 15.67M 19.36M
Selling and marketing expenses - - - - -
Gross profit - - - - 30.20M
Reconciled depreciation 1.21M 1.15M 1.11M 1.04M 0.97M
Ebit - - - - 10.84M
Ebitda - - - - -
Depreciation and amortization - - - - -
Non operating income net other - - - - -
Operating income - - - - 10.84M
Other operating expenses - - 3.87M 3.58M 3.14M
Interest expense 18.94M 17.23M 7.22M 1.41M 1.90M
Tax provision 1.66M 1.84M 2.25M 2.34M 1.85M
Interest income 53.05M 49.22M 40.94M 34.16M 28.48M
Net interest income 34.11M 31.99M 33.72M 32.75M 26.58M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense - - 2.25M 2.34M 1.85M
Total revenue 37.94M 35.44M 38.46M 37.48M 30.20M
Total operating expenses - - - - 19.36M
Cost of revenue - - - - -
Total other income expense net - - - - -
Discontinued operations - - - - -
Net income from continuing ops 8.67M 8.58M 10.67M 11.19M 8.99M
Net income applicable to common shares - - 10.67M 11.19M 8.99M
Preferred stock and other adjustments - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 1165.01M 1097.09M 1060.02M 977.31M 833.80M
Intangible assets 0.30M 0.36M 0.41M 0.47M 0.23M
Earning assets - - - - -
Other current assets - - 3.79M 3.87M 5.83M
Total liab 1088.74M 1033.40M 1004.54M 923.34M 763.90M
Total stockholder equity 76.27M 63.69M 55.48M 53.97M 69.90M
Deferred long term liab - - - - -
Other current liab - - - - 726.85M
Common stock - - 20.77M 20.29M 20.01M
Capital stock 21.59M 21.18M 20.77M 20.29M 20.01M
Retained earnings 77.82M 71.53M 65.48M 56.91M 47.66M
Other liab - - 15.43M 7.18M 5.47M
Good will 2.45M 2.45M 2.45M 2.45M 0.84M
Other assets - - 722.43M 622.12M 570.41M
Cash 19.38M 17.71M 14.26M 24.73M 18.53M
Cash and equivalents - - - - -
Total current liabilities - - 980.23M 907.91M 763.90M
Current deferred revenue - - - - -
Net debt 3.17M 6.00M 20.91M - 3.32M
Short term debt - - - - 30.25M
Short long term debt 0.00000M 10.00M 26.37M - -
Short long term debt total - - - - -
Other stockholder equity - - -29.96100M -22.10600M 3.55M
Property plant equipment - - 17.18M 16.52M 15.79M
Total current assets - - 18.17M 28.60M 27.18M
Long term investments 279.43M 271.24M 286.96M 304.62M 777.17M
Net tangible assets - - 52.62M 51.05M 68.83M
Short term investments 161.73M 264.80M 279.61M 296.35M 207.76M
Net receivables - 23.61M 22.97M 10.18M 2.83M
Long term debt 22.55M 13.71M 8.78M 8.26M 18.05M
Inventory - - 0.12M - -
Accounts payable - - 952.53M 886.56M 6.80M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - - -
Additional paid in capital - - - - -
Common stock total equity - - - - 20.01M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - 47.66M
Treasury stock - - - - -1.32400M
Accumulated amortization - - - - -
Non currrent assets other - - - - 12.60M
Deferred long term asset charges - - - - -
Non current assets total - - - - 806.62M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments -0.85700M 17.17M 8.18M -104.73800M -87.46400M
Change to liabilities - - 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities - - -92.21900M -65.22200M -89.00100M
Net borrowings -5.65400M 8.57M 5.59M -0.70200M -7.85100M
Total cash from financing activities 55.95M 27.04M 69.71M 52.70M 83.86M
Change to operating activities - - -0.18000M 0.32M 1.29M
Net income 8.67M 8.58M 10.67M 11.19M 8.99M
Change in cash 2.19M 5.97M -9.19700M 2.42M 8.87M
Begin period cash flow 17.72M 11.76M 20.95M 18.53M 9.66M
End period cash flow 19.91M 17.72M 11.76M 20.95M 18.53M
Total cash from operating activities 7.93M 9.38M 13.32M 14.95M 14.01M
Issuance of capital stock - - - 0.17M -
Depreciation 1.21M 1.15M 1.11M 1.04M 1.59M
Other cashflows from investing activities - - 0.36M -0.05300M -0.38300M
Dividends paid -2.38300M -2.24600M -2.09500M -1.94900M 1.78M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock - - - - -
Other cashflows from financing activities - - 65.97M 55.17M 93.49M
Change to netincome - - 1.72M 2.39M 2.18M
Capital expenditures 3.07M 0.98M 1.82M 1.48M 1.15M
Change receivables - - - - -
Cash flows other operating - - - - 1.25M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - 8.87M
Change in working capital -2.69600M -1.22800M -0.44300M 0.06M 1.29M
Stock based compensation - - - - -
Other non cash items 0.09M -0.11700M 0.40M 0.30M 2.38M
Free cash flow 4.86M 8.39M 11.49M 13.47M 12.86M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CBKM
Consumers Bancorp Inc
-0.01 0.04% 28.49 8.63 13.23 1.87 0.95 2.16
HDB
HDFC Bank Limited ADR
0.03 0.12% 25.09 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
-0.32 1.06% 29.79 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
1.60 3.22% 51.35 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.70 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

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.

Consumers Bancorp Inc

614 East Lincoln Way, Minerva, OH, United States, 44657

Key Executives

Name Title Year Born
Mr. Ralph J. Lober II Pres, CEO & Director 1967
Ms. Renee K. Wood Exec. VP, CFO, Company Sec. & Treasurer 1971
Mr. Scott E. Dodds Exec. VP & Sr. Loan Officer 1963
Mr. Derek G. Williams Sr. VP of Retail Banking & Operations 1959
Ms. Kimberly K. Chuckalovchak Sr. VP & Chief Information Officer 1971
Christina Montgomery VP of Risk & Compliance Officer NA
Stephen Badman VP & Marketing Director NA
Ms. Hillary Hudak Sr. VP & Chief People Officer 1971
Ms. Vickie L. Ramsier Sr. VP & Bus. Banking Officer 1949
Ms. Suzanne N. Mikes Sr. VP & Chief Credit Officer 1979

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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