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CONSUMERS BANCORP INC /OH/

Data quality: 83%
CBKM
OTC Financial Services Depository Institutions
$25.82
▲ $0.12 (0.47%)
Mkt Cap: 81.20 M
Price
$25.82
Mkt Cap
81.20 M
Day Range
$25.57 — $25.82
52-Week Range
$18.45 — $27.44
Volume
389
Open $25.57
50D / 200D Avg
$26.00
0.70% below
50D / 200D Avg
$23.56
9.58% above

Quick Summary

Key Takeaways

ROE of 11.37% — decent returns on equity
Debt/Equity of 0.24 — conservative balance sheet
Generating 8.31 M in free cash flow
P/E of 8.52 — trading at a low valuation
Cash machine — converts 87.14% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)1.01%
FCF Growth (3Y)-34.96%

Quality

Return on Equity
11.37%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.24
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
8.52
Below sector avg (11.15)
P/B Ratio0.94
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2150 peers)
Metric Stock Sector Median
P/E 8.5 11.2
P/B 0.9 1.2
ROE % 11.4 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E 0.2 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 1.01% Earnings Growth (3Y) -9.89%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -0.91%
Profitability
Revenue (TTM) N/A Net Income (TTM) 9.53 M
ROE 11.37% ROA 0.79%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 8.31 M
ROIC N/A FCF Growth (3Y) -34.96%
Safety
Debt / Equity 0.24 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 83.40 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 8.52 Forward P/E N/A
P/B Ratio 0.94 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 10.23%
Market Cap 81.20 M Enterprise Value 101.58 M
Per Share
EPS (Diluted TTM) 3.03 Revenue / Share N/A
FCF / Share 2.64 OCF / Share 3.05
EPS CAGR (1Y) 0.36% EPS CAGR (5Y) -1.81%
EPS CAGR (10Y) 14.96%
Efficiency
CapEx / Revenue N/A FCF Conversion 87.14%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 8.67 M 8.58 M 10.67 M 11.19 M 8.99 M
EPS (Diluted) 2.77 2.76 3.45 3.68 2.98
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 34.11 M 31.99 M 7.22 M 1.41 M 1.90 M
Income Tax 1.66 M 1.85 M 2.25 M 2.34 M 1.85 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.17 B 1.10 B 1.06 B 977.31 M 833.80 M
Total Liabilities 1.09 B 1.03 B 1.00 B 923.34 M 763.90 M
Shareholders' Equity 76.27 M 63.69 M 55.48 M 53.97 M 69.90 M
Total Debt 15.51 M 30.01 M 26.37 M 21.30 M 12.20 M
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —