CONSUMERS BANCORP INC /OH/
CONSUMERS BANCORP INC /OH/
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 17 | 21 | 18 | 19 | 20 | 20 | 20 | 18 | 16 | 13 | 16 | 12 | |||||
Interest Bearing Deposits In Banks | 0 | 0 | 9 | 1 | 15 | 0 | 7 | 0 | 11 | 0 | 4 | 0 | |||||
Cash Cash Equivalents And Federal Funds Sold | 17 | 22 | 27 | 20 | 34 | 20 | 27 | 18 | 27 | 13 | 20 | 12 | |||||
Certificates Of Deposit At Carrying Value | - | - | - | - | - | - | - | 0 | 1 | 2 | 2 | 3 | |||||
Debt Securities Available For Sale Excluding Accru… | 258 | 262 | 269 | 274 | 274 | 270 | 273 | 265 | 266 | 276 | 261 | 280 | |||||
Held To Maturity Securities | - | - | - | - | 6 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 5 | 5 | 5 | 5 | - | - | - | 6 | - | - | - | - | |||||
Equity Securities Fv Ni | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Restricted Investments | 2 | 2 | 2 | 3 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 2 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 1 | 0 | 0 | 1 | 0 | 1 | 2 | 1 | 0 | 1 | 0 | 1 | |||||
Assets | |||||||||||||||||
Assets | 1,238 | 1,213 | 1,188 | 1,165 | 1,134 | 1,111 | 1,124 | 1,097 | 1,091 | 1,081 | 1,058 | 1,060 | |||||
Financing Receivable Excluding Accrued Interest Be… | 904 | 872 | 835 | 813 | 768 | 763 | 766 | 759 | 743 | 735 | 718 | 710 | |||||
Financing Receivable Allowance For Credit Loss Exc… | -9 | -9 | -9 | -8 | -8 | -8 | -8 | -8 | - | - | - | - | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | - | -8 | -8 | -8 | -8 | -8 | -8 | -8 | -8 | |||||
Notes Receivable Net | - | - | - | - | 760 | 755 | 759 | 751 | 735 | 727 | 710 | 703 | |||||
Financing Receivable Excluding Accrued Interest Af… | 895 | 864 | 826 | 805 | - | - | - | 751 | - | - | - | - | |||||
Cash Surrender Value Of Life Insurance | 16 | 15 | 15 | 13 | 13 | 13 | 13 | 11 | 10 | 10 | 10 | 10 | |||||
Property Plant And Equipment Net | 19 | 19 | 19 | 19 | 19 | 19 | 18 | 17 | 17 | 17 | 17 | 17 | |||||
Goodwill | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Finite Lived Intangible Assets Net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Other Real Estate | - | - | - | - | - | - | - | - | - | 0 | - | - | |||||
Other Real Estate And Foreclosed Assets | - | - | - | - | 0 | - | - | - | - | - | - | - | |||||
Interest Receivable And Other Assets | 22 | 21 | 21 | 22 | 22 | 23 | 22 | 24 | 23 | 22 | 25 | 23 | |||||
Liabilities | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 247 | 242 | 247 | 240 | 238 | 231 | 239 | 225 | 228 | 223 | 237 | 251 | |||||
Interest Bearing Domestic Deposit Demand | 164 | 157 | 161 | 154 | 165 | 150 | 142 | 142 | 149 | 140 | 152 | 152 | |||||
Deposits | |||||||||||||||||
Deposits | 1,110 | 1,089 | 1,070 | 1,037 | 1,026 | 998 | 999 | 973 | 975 | 949 | 961 | 953 | |||||
Deposits Savings Deposits | 428 | 410 | 397 | 379 | 367 | 352 | 354 | 351 | 340 | 332 | 343 | 335 | |||||
Time Deposits | 271 | 281 | 265 | 264 | 256 | 264 | 264 | 254 | 258 | 254 | 230 | 214 | |||||
Short Term Borrowings | 22 | 20 | 20 | 16 | 16 | 21 | 27 | 30 | 29 | 25 | 22 | 26 | |||||
Federal Home Loan Bank Advances Long Term | 7 | 4 | 4 | 23 | 4 | 8 | 8 | 14 | 8 | 26 | 8 | 9 | |||||
Accrued Liabilities And Other Liabilities | 13 | 13 | 13 | 14 | 14 | 15 | 16 | 17 | 17 | 17 | 16 | 17 | |||||
Liabilities | 1,151 | 1,126 | 1,106 | 1,089 | 1,060 | 1,042 | 1,051 | 1,033 | 1,029 | 1,018 | 1,008 | 1,005 | |||||
Commitments And Contingencies | 0 | 0 | 0 | - | 0 | 0 | 0 | - | - | - | - | - | |||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 22 | 22 | 22 | 22 | 22 | 22 | 21 | 21 | 21 | 21 | 21 | 21 | |||||
Stockholders Equity | |||||||||||||||||
Retained Earnings Accumulated Deficit | 84 | 82 | 80 | 78 | 76 | 75 | 73 | 72 | 70 | 69 | 67 | 65 | |||||
Stockholders Equity | 87 | 86 | 82 | 76 | 73 | 70 | 73 | 64 | 62 | 64 | 50 | 55 | |||||
Treasury Stock Value | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -19 | -17 | -19 | -23 | -24 | -26 | -21 | -28 | -28 | -25 | -38 | -30 | |||||
Liabilities And Stockholders Equity | 1,238 | 1,213 | 1,188 | 1,165 | 1,134 | 1,111 | 1,124 | 1,097 | 1,091 | 1,081 | 1,058 | 1,060 | |||||
Held To Maturity Securities Fair Value | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Preferred Stock No Par Value | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | - | - | 0 | - | - | - | - | - | - | |||||
Common Stock No Par Value | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 9 | 9 | 9 | 9 | - | 9 | 9 | 9 | 9 | 9 | 9 | 9 | |||||
Common Stock Shares Issued | 3 | 3 | 3 | 3 | - | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.26% | 1.32% | 12.67% | -1.88% | -5.73% | 1.77% | 1.00% | 8.31% | 10.11% | - | - | - |
| 2025 | -0.28% | 6.56% | 1.66% | 2.13% | 3.66% | 0.81% | -0.30% | 3.58% | 10.06% | 11.83% | 12.46% | 13.76% |
| 2024 | -1.30% | 8.56% | 7.31% | -1.26% | -7.34% | -4.44% | 6.54% | 0.42% | 1.03% | 1.37% | 8.00% | 8.57% |
| 2023 | - | - | - | - | - | - | 1.04% | 7.30% | 4.92% | -2.14% | -10.44% | 1.91% |
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Performance and Valuation Metrics
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Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.68 | -0.70 | -0.70 | -0.70 | -0.69 | -0.32 | 0.12 | 0.72 | 1.73 | 1.91 | 2.26 | 2.79 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 3.34 | 3.03 | 2.88 | 2.77 | 2.70 | 2.77 | 2.69 | 2.76 | 2.94 | 3.14 | 3.41 | 3.45 | |||||
| Free Cash Flow Per Share TTM | 2.37 | 2.64 | 2.21 | 1.55 | 1.63 | 1.64 | 1.66 | 2.70 | 3.02 | 2.99 | 3.57 | 3.72 | |||||
| Dividend Per Share TTM | 0.82 | 0.80 | 0.78 | 0.76 | 0.75 | 0.74 | 0.73 | 0.72 | 0.71 | 0.70 | 0.69 | 0.68 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -311.53% | -302.43% | -302.63% | -307.53% | -334.05% | -339.75% | -325.60% | -293.02% | -264.24% | -211.26% | -142.97% | -74.53% | |||||
| Operating Profit Margin TTM | 266.88% | 241.09% | 231.06% | 222.12% | 229.63% | 238.55% | 231.77% | 237.85% | 264.14% | 282.11% | 307.34% | 312.20% | |||||
| Net Profit Margin TTM | 225.78% | 205.32% | 195.41% | 186.47% | 191.27% | 196.42% | 190.74% | 195.76% | 217.07% | 231.77% | 253.10% | 257.89% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 4.92% | 5.09% | 5.26% | 6.05% | 4.90% | 4.97% | 5.73% | 5.90% | 6.88% | 7.13% | 6.79% | 7.12% | |||||
| Net Income Growth (1Y) | 23.85% | 9.85% | 7.84% | 1.01% | -7.57% | -11.04% | -20.31% | -19.62% | -14.77% | -8.91% | -4.64% | -4.63% | |||||
| EPS Growth (1Y) | 23.56% | 9.27% | 7.04% | 0.24% | -8.26% | -11.75% | -21.00% | -20.11% | -15.78% | -9.83% | -6.02% | -6.19% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 7.68 | 8.49 | 8.07 | 6.98 | 6.96 | 6.66 | 6.18 | 5.51 | 5.14 | 5.03 | 4.35 | 4.64 | |||||
| P/B TTM | 0.93 | 0.94 | 0.90 | 0.79 | 0.80 | 0.83 | 0.71 | 0.74 | 0.76 | 0.77 | 0.93 | 0.89 | |||||
| P/S TTM | 17.35 | 17.42 | 15.76 | 13.02 | 13.30 | 13.09 | 11.78 | 10.79 | 11.16 | 11.67 | 11.00 | 11.95 | |||||
| Market Cap | 80.68M | 80.90M | 73.12M | 60.53M | 58.97M | 57.83M | 51.93M | 47.29M | 47.16M | 49.11M | 45.86M | 49.48M | |||||
| Enterprise Value | 85.16M | 79.93M | 75.24M | 56.67M | 55.59M | 58.35M | 58.73M | 59.58M | 60.07M | 61.97M | 52.25M | 64.11M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 7.45M | 8.31M | 6.96M | 4.86M | 5.12M | 5.13M | 5.19M | 8.39M | 9.40M | 9.30M | 11.05M | 11.50M | |||||
| Net Debt | 4.48M | -968.00K | 2.12M | -3.87M | -3.38M | 514.00K | 6.81M | 12.30M | 12.91M | 12.86M | 6.39M | 14.63M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
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| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
CONSUMERS BANCORP INC /OH/ (CBKM) — SEC Financial Statements & Analysis
CONSUMERS BANCORP INC /OH/ (CBKM) is a national commercial banks company, incorporated in OH. CONSUMERS BANCORP INC /OH/ trades on OTC as: CBKM. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), CONSUMERS BANCORP INC /OH/ reported a 4.92% year-over-year revenue growth, a Gross Profit Margin of -311.53% (TTM), a Price-to-Sales (P/S) ratio of 17.35x (TTM), a Price-to-Book (P/B) ratio of 0.93x (TTM), at a market cap of $80.68M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 4.92%
- Gross Profit Margin TTM
- -311.53%
- P/S TTM
- 17.35x
- P/B TTM
- 0.93x
- Market Cap
- $80.68M
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is CONSUMERS BANCORP INC /OH/ in?
CONSUMERS BANCORP INC /OH/ (CBKM) operates in the National Commercial Banks industry.
What is CBKM's market cap?
CONSUMERS BANCORP INC /OH/ (CBKM) has a market capitalization of $80.68M as of 2026-03-31.
What is CBKM's P/E ratio?
CONSUMERS BANCORP INC /OH/ (CBKM)'s trailing twelve month P/E ratio is 7.68x as of 2026-03-31.
What exchange does CBKM trade on?
CONSUMERS BANCORP INC /OH/ (CBKM) trades on the OTC.
Where is CONSUMERS BANCORP INC /OH/ incorporated?
CONSUMERS BANCORP INC /OH/ is incorporated in OH.