Consumers Bancorp, Inc. (CBKM) Análisis de Acciones
Solo con fines informativos. No es asesoramiento financiero. 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) opera en el sector Financial Services, cotizado por última vez a $ con una capitalización de mercado de 0. Calificado con 46/100 (cauteloso) en potencial de crecimiento, salud financiera e impulso.
Ultimo analisis: 16 mar 2026Consumers Bancorp, Inc. (CBKM) Perfil de Servicios Financieros
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.
Tesis de Inversión
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.
Basado en las finanzas de FMP y el análisis cuantitativo
Puntos clave
- 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.
Competidores y Pares
Fortalezas
- Strong local presence in Ohio.
- Personalized customer service.
- Experienced management team.
- Solid deposit base.
Debilidades
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on local economy.
- Limited digital banking capabilities compared to larger competitors.
Catalizadores
- 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.
Riesgos
- 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.
Oportunidades de crecimiento
- 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.
Oportunidades
- Expansion into contiguous counties.
- Increased commercial lending to small businesses.
- Enhancement of digital banking services.
- Partnerships with fintech companies.
Amenazas
- Increased competition from larger regional banks.
- Economic downturn affecting loan performance.
- Rising interest rates impacting profitability.
- Regulatory changes increasing compliance costs.
Ventajas competitivas
- 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.
Acerca de 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.
Qué hacen
- 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.
Modelo de Negocio
- 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.
Contexto de la Industria
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).
Clientes Clave
- Individuals seeking personal banking services.
- Farmers needing agricultural financing.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers seeking financing for projects.
Finanzas
Gráfico e información
Precio de la acción de Consumers Bancorp, Inc. (CBKM): Price data unavailable
Últimas noticias
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Consumers Bancorp (OTCMKTS:CBKM) Stock Price Crosses Below 50 Day Moving Average – Time to Sell?
defenseworld.net · 3 mar 2026
Consenso de analistas
Calificación de Consenso
Recomendaciones agregadas de Compra/Mantener/Vender de Benzinga, Yahoo Finance y Finnhub para CBKM.
Objetivos de Precios
Análisis del precio objetivo de Wall Street para CBKM.
MoonshotScore
¿Qué significa esta puntuación?
El MoonshotScore califica el potencial de crecimiento de CBKM en una escala de 0 a 100 en múltiples factores, incluyendo innovación, disrupción del mercado, salud financiera e impulso.
Liderazgo: 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.
Historial: 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.
Información del mercado OTC de CBKM
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.
- Nivel OTC: OTC Other
- Estado de divulgación: 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.
Acciones de Consumers Bancorp, Inc.: Preguntas Clave Respondidas
¿Cuáles son los factores clave para evaluar CBKM?
Consumers Bancorp, Inc. (CBKM) actualmente tiene una puntuación IA de 46/100, indicando puntuación baja. Fortaleza clave: Strong local presence in Ohio.. Riesgo principal a monitorear: Potential: Economic downturn in Ohio affecting loan performance and profitability.. Esto no es asesoramiento financiero.
¿Qué es el MoonshotScore de CBKM?
CBKM actualmente puntúa 46/100 (Grado D) en el MoonshotScore, lo que sugiere calificación baja. La puntuación evalúa el potencial de crecimiento, la salud financiera, el impulso del mercado y los factores de riesgo en 9 KPIs cuantitativos. Se recalcula diariamente con los últimos datos del mercado. Esta puntuación es solo informativa.
¿Con qué frecuencia se actualizan los datos de CBKM?
Los precios de CBKM se actualizan en tiempo real durante el horario del mercado estadounidense (9:30-16:00 ET, días laborables). Los fundamentales se actualizan después de los informes trimestrales o anuales. Las calificaciones de analistas y las perspectivas de IA se actualizan diariamente. Las noticias se agregan continuamente de fuentes financieras.
¿Qué dicen los analistas sobre CBKM?
La cobertura de analistas para CBKM incluye calificaciones de consenso (compra, mantener, venta), objetivos de precio a 12 meses y estimaciones de ganancias de las principales firmas de investigación. Consulte la sección de Consenso de Analistas en esta página.
¿Cuáles son los riesgos de invertir en CBKM?
Las categorías de riesgo para CBKM incluyen riesgo de mercado, riesgo específico de la empresa (gestión, competencia), riesgo financiero (deuda, consumo de efectivo) y riesgo macroeconómico (tasas, inflación). Un riesgo clave identificado: Potential: Economic downturn in Ohio affecting loan performance and profitability.. Un beta superior a 1,0 indica mayor volatilidad que el S&P 500. Revise la sección de Factores de Riesgo en esta página. Todas las inversiones conllevan riesgo de pérdida.
¿Cuál es la relación P/E de CBKM?
La relación P/E para CBKM compara el precio actual de la acción con sus ganancias por acción. Un P/E más alto puede indicar expectativas de crecimiento, mientras que un P/E más bajo puede sugerir valor. Consulte la pestaña de Financieros para métricas actuales.
¿Está CBKM sobrevalorada o infravalorada?
Determinar si Consumers Bancorp, Inc. (CBKM) está sobrevalorada o infravalorada requiere examinar múltiples métricas. Compare los ratios de valoración (P/E, P/S, EV/EBITDA) con pares del sector. Esto no es asesoramiento financiero.
¿Cuál es el rendimiento por dividendo de CBKM?
Consumers Bancorp, Inc. (CBKM) actualmente no paga un dividendo regular, o los datos de rendimiento no están disponibles. Consulte la pestaña de Financieros para información actual.
Descargo de responsabilidad: Este contenido es solo para fines informativos y no constituye asesoramiento de inversión. Siempre haga su propia investigación y consulte a un asesor financiero.
Recursos Oficiales
Datos proporcionados solo con fines informativos.
- Limited analyst coverage for CBKM may affect the accuracy of consensus estimates.
- OTC market listing implies higher risks compared to exchange-listed stocks.