CBKM Stock Overview

Operates as the bank holding company for the Consumers National Bank that provides various commercial and retail banking products and services for individuals, farmers, and small and medium-sized businesses. More details

CBKM fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 75.4% below our estimate of its fair value

Pays a reliable dividend of 3.84%

Risk Analysis

Does not have a meaningful market cap ($62M)

My Notes

Capture your thoughts, links and company narrative

Consumers Bancorp, Inc. Competitors

FFBW

OTCPK:FFBW

US$62.2m

Bancorp. of Southern Indiana

OTCPK:BCSO

US$63.5m

Central Plains Bancshares

NasdaqCM:CPBI

US$59.6m

Peoples

OTCPK:PPLL

US$57.8m

Price History & Performance

Summary of share price highs, lows and changes for Consumers Bancorp
Historical stock prices
Current Share Price	US$19.78
52 Week High	US$20.01
52 Week Low	US$15.55
Beta	0.15
1 Month Change	6.87%
3 Month Change	11.44%
1 Year Change	13.69%
3 Year Change	-8.21%
5 Year Change	0.41%
Change since IPO	31.87%

Recent updates

Shareholder Returns

	CBKM	US Banks	US Market
7D	2.0%	0.8%	0.6%
1Y	13.7%	29.4%	23.7%

Return vs Industry: CBKM underperformed the US Banks industry which returned 29.4% over the past year.

Return vs Market: CBKM underperformed the US Market which returned 23.7% over the past year.

Price Volatility

Is CBKM's price volatile compared to industry and market?
CBKM volatility
CBKM Average Weekly Movement	3.0%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.5%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CBKM has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CBKM's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1965	180	Ralph Lober	www.consumers.bank

Consumers Bancorp, Inc. operates as the bank holding company for the Consumers National Bank that provides various commercial and retail banking products and services for individuals, farmers, and small and medium-sized businesses. The company accepts various deposit products, such as checking, savings, certificates of deposit, and individual retirement accounts. It also provides commercial and industrial loans, which include 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, and loans originated to finance the construction of owner occupied and investment properties; farmland loans that includes to finance or refinance the acquisition or improvement of land used for agricultural purposes; land development loans to finance the land acquisition and the infrastructure improvements; residential real estate loans comprising one to four family residential properties and include 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.

Consumers Bancorp, Inc. Fundamentals Summary

How do Consumers Bancorp's earnings and revenue compare to its market cap?
CBKM fundamental statistics
Market cap	US$61.95m
Earnings (TTM)	US$8.41m
Revenue (TTM)	US$36.48m

7.4x

P/E Ratio

0.8x

P/B Ratio

Is CBKM overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CBKM income statement (TTM)
Revenue	US$36.48m
Cost of Revenue	US$0
Gross Profit	US$36.48m
Other Expenses	US$28.08m
Earnings	US$8.41m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.68
Gross Margin	100.00%
Net Profit Margin	23.04%
Debt/Equity Ratio	48.0%

How did CBKM perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

27%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/29 07:15
End of Day Share Price	2024/12/27 00:00
Earnings	2024/09/30
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Consumers Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution