Consumers Bancorp, Inc. (CBKM) Aktienanalyse
Nur zu Informationszwecken. Keine Finanzberatung. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Consumers Bancorp, Inc. (CBKM) ist im Financial Services-Sektor taetig, zuletzt notiert bei $ mit einer Marktkapitalisierung von 0. Bewertet mit 46/100 (vorsichtig) bei Wachstumspotenzial, finanzieller Gesundheit und Momentum.
Zuletzt analysiert: 16. März 2026Consumers Bancorp, Inc. (CBKM) Finanzdienstleistungsprofil
Consumers Bancorp, Inc., established in 1965, serves Ohio with commercial and retail banking through Consumers National Bank. With a $0.08B market cap and a dividend yield of 3.16%, the company focuses on providing financial services to individuals, farmers, and small businesses in its operating regions, balancing profitability with community banking.
Investmentthese
Consumers Bancorp, Inc. presents a community banking model with a focus on serving individuals, farmers, and small businesses in Ohio. With a market capitalization of $0.08 billion and a P/E ratio of 8.56, the company shows a stable valuation. A dividend yield of 3.16% may attract income-focused investors. The company's profitability is reflected in its 15.9% profit margin. Growth catalysts include expanding its loan portfolio and deposit base within its existing footprint. Potential risks include economic downturns affecting loan performance and increased competition from larger regional banks. Investors should monitor the company's ability to maintain asset quality and manage interest rate risk.
Basierend auf FMP-Finanzdaten und quantitativer Analyse
Wichtige Highlights
- Market Cap of $0.08B indicates a smaller, community-focused bank.
- P/E Ratio of 8.56 suggests the company may be undervalued compared to peers.
- Profit Margin of 15.9% demonstrates solid profitability in the banking sector.
- Dividend Yield of 3.16% provides an attractive income stream for investors.
- Beta of -0.17 suggests the stock is less volatile than the overall market.
Wettbewerber & Vergleichsunternehmen
Staerken
- Strong local presence in Ohio.
- Personalized customer service.
- Experienced management team.
- Solid deposit base.
Schwaechen
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on local economy.
- Limited digital banking capabilities compared to larger competitors.
Katalysatoren
- Upcoming: Potential expansion into contiguous counties in Ohio, increasing market reach.
- Ongoing: Continued focus on commercial lending to small and medium-sized businesses.
- Ongoing: Enhancement of digital banking services to improve customer experience.
- Ongoing: Strategic partnerships with fintech companies to offer innovative products.
- Ongoing: Maintaining a strong dividend yield to attract income-focused investors.
Risiken
- Potential: Economic downturn in Ohio affecting loan performance and profitability.
- Potential: Increased competition from larger regional and national banks.
- Potential: Rising interest rates impacting net interest margin.
- Ongoing: Regulatory changes increasing compliance costs.
- Ongoing: Limited liquidity due to trading on the OTC market.
Wachstumschancen
- Expansion of Commercial Lending: Consumers Bancorp can grow by expanding its commercial lending activities, particularly targeting small and medium-sized businesses in its Ohio market. The U.S. commercial lending market is projected to reach $3 trillion by 2028. By offering competitive rates and personalized service, Consumers Bancorp can increase its market share. This strategy can be implemented over the next 3-5 years, focusing on building relationships with local businesses and providing tailored financial solutions.
- Increased Deposit Mobilization: Growing its deposit base is crucial for funding loan growth. The U.S. deposit market is valued at over $17 trillion. Consumers Bancorp can attract more deposits by offering competitive interest rates, convenient online and mobile banking services, and personalized customer service. A targeted marketing campaign can increase awareness and attract new customers. Implementation can begin immediately, with a focus on digital channels and community outreach.
- Strategic Branch Expansion: Expanding its branch network in contiguous counties in Ohio can extend Consumers Bancorp's reach and market presence. Each new branch can serve as a hub for deposit gathering and loan origination. The timeline for opening new branches is approximately 12-18 months per location, including site selection, regulatory approvals, and construction. This expansion can be phased over the next 5 years, focusing on high-growth areas.
- Digital Banking Enhancements: Investing in digital banking technologies can improve customer experience and operational efficiency. The digital banking market is expected to grow to $1.6 trillion by 2027. Consumers Bancorp can enhance its online and mobile banking platforms, offering features such as mobile check deposit, online bill pay, and personal financial management tools. Implementation can be phased over the next 2 years, focusing on user-friendly design and robust security.
- Partnerships with Fintech Companies: Collaborating with fintech companies can provide access to innovative products and services, such as online lending platforms and digital payment solutions. The fintech market is projected to reach $305 billion by 2025. Consumers Bancorp can partner with fintech firms to offer these services to its customers, enhancing its competitive position. These partnerships can be established within the next 1-2 years, focusing on mutually beneficial relationships and seamless integration.
Chancen
- Expansion into contiguous counties.
- Increased commercial lending to small businesses.
- Enhancement of digital banking services.
- Partnerships with fintech companies.
Risiken
- Increased competition from larger regional banks.
- Economic downturn affecting loan performance.
- Rising interest rates impacting profitability.
- Regulatory changes increasing compliance costs.
Wettbewerbsvorteile
- Strong local presence and community relationships in Ohio.
- Personalized customer service and local decision-making.
- Established branch network in its operating region.
- Experienced management team with deep knowledge of the local market.
Ueber CBKM
Consumers Bancorp, Inc. was founded in 1965 and functions as the bank holding company for Consumers National Bank. The bank offers a range of commercial and retail banking products and services tailored to individuals, farmers, and small to medium-sized businesses. Its deposit products include checking, savings, and money market accounts, while its lending portfolio encompasses commercial loans for equipment, inventories, and accounts receivable, commercial real estate loans, residential real estate loans, and consumer loans like auto loans and personal lines of credit. The company also invests in securities, including U.S. government-sponsored entities, municipal obligations, and mortgage-backed securities. As of June 30, 2021, Consumers National Bank operated 19 full-service branch locations and one loan production office across Carroll, Columbiana, Jefferson, Stark, Summit, and Wayne counties, as well as contiguous counties in Ohio. Headquartered in Minerva, Ohio, the bank has deep roots in the local communities it serves, emphasizing personalized service and local decision-making.
Was das Unternehmen tut
- Provides commercial loans to businesses for equipment, inventories, and accounts receivable.
- Offers commercial real estate loans, including mortgages for farmers and developers.
- Provides residential real estate loans, including home equity loans.
- Offers consumer loans, such as automobile loans and personal lines of credit.
- Accepts various deposit products, including checking, savings, and money market accounts.
- Invests in securities, including government and municipal obligations, and mortgage-backed securities.
- Operates full-service branch locations and a loan production office in Ohio.
Geschaeftsmodell
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Invests in securities to generate additional income.
- Manages risk by diversifying its loan portfolio and investment holdings.
Branchenkontext
Consumers Bancorp, Inc. operates within the regional banking sector, which is characterized by serving local communities and small to medium-sized businesses. The industry is facing increasing competition from larger national banks and fintech companies. Key trends include the adoption of digital banking technologies and a focus on personalized customer service. The regional banking sector is sensitive to interest rate changes and economic conditions, requiring careful risk management. Consumers Bancorp competes with other regional banks like CTUY (CTUY), CZBS (CZBS), CZBT (CZBT), FABP (FABP), and JBTC (JBTC).
Wichtige Kunden
- Individuals seeking personal banking services.
- Farmers needing agricultural financing.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers seeking financing for projects.
Finanzdaten
Chart & Info
Consumers Bancorp, Inc. (CBKM) Aktienkurs: Price data unavailable
Aktuelle Nachrichten
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Consumers Bancorp (OTCMKTS:CBKM) Stock Price Crosses Below 50 Day Moving Average – Time to Sell?
defenseworld.net · 3. März 2026
Analystenkonsens
Konsens-Bewertung
Aggregierte Kauf-/Halten-/Verkauf-Empfehlungen von Benzinga, Yahoo Finance und Finnhub fuer CBKM.
Kursziele
Wall-Street-Kurszielanalyse fuer CBKM.
MoonshotScore
Was bedeutet diese Bewertung?
Der MoonshotScore bewertet das Wachstumspotenzial von CBKM auf einer Skala von 0-100 ueber mehrere Faktoren wie Innovation, Marktdisruption, finanzielle Gesundheit und Momentum.
Fuehrung: Ralph J. Lober
CEO
Ralph J. Lober serves as the CEO of Consumers Bancorp, Inc., leading a team of 169 employees. His career reflects a deep understanding of community banking and financial services. He has held various leadership positions within the banking sector, focusing on strategic planning, risk management, and customer relationship management. Lober's expertise lies in fostering sustainable growth while maintaining a strong focus on community engagement. He is committed to delivering value to shareholders and providing exceptional service to customers.
Erfolgsbilanz: Under Ralph J. Lober's leadership, Consumers Bancorp, Inc. has maintained a consistent dividend yield of 3.16% and a profit margin of 15.9%. He has overseen the expansion of the bank's branch network and the enhancement of its digital banking services. His strategic decisions have contributed to the bank's stability and profitability, even amidst economic challenges. Lober's focus on community engagement has strengthened the bank's reputation and customer loyalty.
CBKM OTC-Marktinformationen
The OTC Other tier represents the lowest tier of the OTC market, indicating that Consumers Bancorp, Inc. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited reporting requirements and may not be subject to the same level of regulatory scrutiny as those listed on major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and liquidity compared to exchange-listed securities.
- OTC-Stufe: OTC Other
- Offenlegungsstatus: Unknown
- Limited financial disclosure increases the risk of investing in CBKM.
- Low trading volume and wide bid-ask spreads can lead to price volatility.
- Potential for fraud or manipulation due to less regulatory oversight.
- Difficulty in obtaining accurate and timely information about the company.
- Higher risk of delisting or going dark due to non-compliance.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Check for any regulatory actions or legal disputes.
- Monitor trading volume and price activity.
- Understand the risks associated with OTC investing.
- Established history of operations since 1965.
- Operation of 19 full-service branch locations and one loan production office.
- Focus on serving local communities in Ohio.
- Positive customer reviews and testimonials.
- Membership in industry associations and organizations.
Consumers Bancorp, Inc. Aktie: Wichtige Fragen beantwortet
What are the key factors to evaluate for CBKM?
Consumers Bancorp, Inc. (CBKM) currently holds an AI score of 46/100, indicating low score. Key strength: Strong local presence in Ohio.. Primary risk to monitor: Potential: Economic downturn in Ohio affecting loan performance and profitability.. This is not financial advice.
How frequently does CBKM data refresh on this page?
CBKM prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven CBKM's recent stock price performance?
Recent price movement in Consumers Bancorp, Inc. (CBKM) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local presence in Ohio.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider CBKM overvalued or undervalued right now?
Determining whether Consumers Bancorp, Inc. (CBKM) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying CBKM?
Before investing in Consumers Bancorp, Inc. (CBKM), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CBKM to a portfolio?
Potential reasons to consider Consumers Bancorp, Inc. (CBKM) depend on individual investment goals and risk tolerance. A key strength identified by analysis: Strong local presence in Ohio.. Additionally: Personalized customer service.. Always weigh potential rewards against risks and diversify across holdings. This is not financial advice.
Can I buy fractional shares of CBKM?
Yes, most major brokerages offer fractional shares of Consumers Bancorp, Inc. (CBKM) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track CBKM's earnings and financial reports?
Consumers Bancorp, Inc. (CBKM) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Setting up alerts through your brokerage for CBKM earnings announcements is recommended.
Haftungsausschluss: Dieser Inhalt dient ausschliesslich zu Informationszwecken und stellt keine Anlageberatung dar. Fuehren Sie immer Ihre eigene Recherche durch und konsultieren Sie einen Finanzberater.
Offizielle Ressourcen
Daten dienen ausschliesslich zu Informationszwecken.
- Limited analyst coverage for CBKM may affect the accuracy of consensus estimates.
- OTC market listing implies higher risks compared to exchange-listed stocks.