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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public filings indicate Consumers Bancorp Inc (CBKM.US) is an OTCQX-listed bank holding company serving a regional customer base, though publicly available information is limited. Long-term growth may be supported by net interest margin expansion, local loan growth and fee-income diversification, which could appeal to investors seeking regional banking exposure and income potential.
Key investment risks include sensitivity to interest-rate and credit cycles, competition from larger banks and fintech, operational and regulatory compliance burdens common to small banks, and low trading liquidity on the OTC market.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 |
| 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 |
| Gross profit | - | - | - | - | 30.20M |
| Reconciled depreciation | 1.21M | 1.15M | 1.11M | 1.04M | 0.97M |
| Ebit | - | - | - | - | 10.84M |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Total current liabilities | - | - | 980.23M | 907.91M | 763.90M |
| Net debt | 3.17M | 6.00M | 20.91M | - | 3.32M |
| Short term debt | - | - | - | - | 30.25M |
| Short long term debt | 0.00M | 10.00M | 26.37M | - | - |
| Other stockholder equity | - | - | -29.96M | -22.11M | 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 |
| Common stock total equity | - | - | - | - | 20.01M |
| Retained earnings total equity | - | - | - | - | 47.66M |
| Treasury stock | - | - | - | - | -1.32M |
| Non currrent assets other | - | - | - | - | 12.60M |
| Non current assets total | - | - | - | - | 806.62M |
| 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 | -0.86M | 17.17M | 8.18M | -104.74M | -87.46M |
| Change to liabilities | - | - | 0.00M | 0.00M | 0.00M |
| Total cashflows from investing activities | - | - | -92.22M | -65.22M | -89.00M |
| Net borrowings | -5.65M | 8.57M | 5.59M | -0.70M | -7.85M |
| Total cash from financing activities | 55.95M | 27.04M | 69.71M | 52.70M | 83.86M |
| Change to operating activities | - | - | -0.18M | 0.32M | 1.29M |
| Net income | 8.67M | 8.58M | 10.67M | 11.19M | 8.99M |
| Change in cash | 2.19M | 5.97M | -9.20M | 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 | -0.05M | -0.38M |
| Dividends paid | -2.38M | -2.25M | -2.10M | -1.95M | 1.78M |
| 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 |
| Cash flows other operating | - | - | - | - | 1.25M |
| Cash and cash equivalents changes | - | - | - | - | 8.87M |
| Change in working capital | -2.70M | -1.23M | -0.44M | 0.06M | 1.29M |
| Other non cash items | 0.09M | -0.12M | 0.40M | 0.30M | 2.38M |
| Free cash flow | 4.86M | 8.39M | 11.49M | 13.47M | 12.86M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
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 |
-0.05 0.16% |
31.50 | 8.63 | 13.23 | 1.87 | 0.95 | 2.16 |
| DBSDY DBS Group Holdings Ltd ADR |
4.37 2.02% |
220.25 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.03 0.45% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.05 0.14% |
34.68 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
5.05 5.86% |
91.30 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| 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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