Consumers Bancorp, Inc. (CBKM) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 9.24 means the share price is 9.24 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $103M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerConsumers Bancorp, Inc. (CBKM) trades at $32.89 with MoonshotScore 46/100 (Grade C). Consumers Bancorp, Inc. is a bank holding company operating through Consumers National Bank. Market cap: $103M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for CBKM: CBKM does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CBKM against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
CBKM: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Consumers Bancorp, Inc. (CBKM) Financial Services Profile
Consumers Bancorp, Inc., established in 1965, serves Ohio with commercial and retail banking through Consumers National Bank. With a $103M 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.
What Is the Investment Thesis for CBKM?
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 $103M and a P/E ratio of 9.24, 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.
Based on FMP financials and quantitative analysis
CBKM Key Highlights
Market Cap of $103M indicates a smaller, community-focused bank.
- P/E Ratio of 9.24 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.
Who Are CBKM's Competitors?
CBKM is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| CTUY Century Next Financial Corporation | $72.00 | 0.00% | $92.0M | — |
| CZBS Citizens Bancshares Corporation | $65.25 | +0.12% | $118M | 449-signal |
| CZBT Citizens Bancorp of Virginia, Inc. | $43.51 | 0.00% | $91.7M | 539-signal |
| FABP Farmers Bancorp (Frankfort IN) | $54.00 | +0.47% | $98.8M | — |
| JBTC JBT Bancorp Inc. | $40.50 | 0.00% | $98.6M | — |
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are CBKM's Key Strengths?
Strong local presence in Ohio.
- Personalized customer service.
- Experienced management team.
- Solid deposit base.
What Are CBKM's Weaknesses?
Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on local economy.
- Limited digital banking capabilities compared to larger competitors.
What Could Drive CBKM Stock Higher?
Potential expansion into contiguous counties in Ohio, increasing market reach.
- Continued focus on commercial lending to small and medium-sized businesses.
- Enhancement of digital banking services to improve customer experience.
- Strategic partnerships with fintech companies to offer innovative products.
- Maintaining a strong dividend yield to attract income-focused investors.
What Are the Key Risks for CBKM?
Financial-distress signal — its Altman Z-Score of 0.40 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Ohio affecting loan performance and profitability.
- Increased competition from larger regional and national banks.
- Rising interest rates impacting net interest margin.
- Regulatory changes increasing compliance costs.
- Limited liquidity due to trading on the OTC market.
What Are the Growth Opportunities for CBKM?
- 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. 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.
What Are CBKM's Competitive Advantages?
- 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.
What Does CBKM Do?
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.
What Products and Services Does CBKM Offer?
- 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.
How Does CBKM Make Money?
- 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.
What Industry Does CBKM Operate In?
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).
Who Are CBKM's Key Customers?
- Individuals seeking personal banking services.
- Farmers needing agricultural financing.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers seeking financing for projects.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 44 days ago
- ● No analyst coverage
Why 46?
This rating comes from our nine-signal model, which produces a score but not a per-factor breakdown. The sector-relative five-pillar model, which explains its own contributions, does not cover this listing yet. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 46 |
| 2026-08-26 | 46 |
| 2026-08-29 | 46 |
| 2026-09-01 | 46 |
| 2026-09-04 | 46 |
| 2026-09-07 | 46 |
| 2026-09-10 | 46 |
What changed?
The score has stayed at 46.
Over the same 18 days the stock moved +3.1%.
Consumers Bancorp, Inc. Financial Trajectory
Consumers Bancorp, Inc. (CBKM) reported $17.7M in revenue for Q4 FY2026, reflecting 8.2% growth compared to the prior quarter. The company recorded net income of $3.0M, with diluted EPS of $0.95. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, CBKM averaged $0.89 in diluted EPS.
Company Profile
Consumers Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Minerva, United States.
How Consumers Bancorp, Inc. Is Valued
Consumers Bancorp, Inc. carries a market capitalization of $103M, placing it in the micro-cap category. Relative to its peer group, CBKM's quantitative score of 46/100 is below the peer average of 74/100.
Key Financial Metrics
Return on equity for Consumers Bancorp, Inc. stands at 12.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. CBKM trades at a trailing price-to-earnings ratio of 9.24, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 9.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.80 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 11.8%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Consumers Bancorp, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.40 places it in the distress zone, a signal of elevated financial risk.
Insider Activity
Over the past six months, Consumers Bancorp, Inc. insiders filed 79 SEC Form 4 transactions — 18 sales and 61 purchases. On net that is roughly 30K shares acquired (about $175K) — insiders putting money in tends to read as conviction.
CBKM Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2026
Bull Case vs Bear Case
Bull Case
- Strong local presence in Ohio.
- Personalized customer service.
- Experienced management team.
- Solid deposit base.
Bear Case
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on local economy.
- Limited digital banking capabilities compared to larger competitors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 FY2026 | $18M | $3M | $0.95 |
| Q3 FY2026 | $16M | $3M | $0.90 |
| Q2 FY2026 | $16M | $3M | $0.88 |
| Q1 FY2026 | $15M | $3M | $0.84 |
Q4 FY2026 · filed 29 Jul 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis
CBKM Latest News
-
Ohio's Consumers Bancorp Appears Undervalued After Wrapping Up Record Fiscal Year
seekingalpha.com · Aug 10, 2026
-
Insider Buys Consumers Bancorp's Shares
· Jun 18, 2020
CBKM Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for CBKM.
Price Targets
Wall Street price target analysis for CBKM.
CBKM MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. CBKM scores 46/100 (Grade C): the number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Leadership: 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.
Track Record: 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 Market Information
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 Tier: OTC Other
- 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. Financial Services Stock: Key Questions Answered
What does the AI Score mean for CBKM?
CBKM holds an AI Score of 46/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. The number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed. Consumers Bancorp, Inc. is a bank holding company operating through Consumers National Bank.
Is CBKM a good stock?
Stock Expert AI does not rate CBKM buy, sell or hold. Consumers Bancorp, Inc. carries a MoonshotScore of 46/100 on the legacy nine-factor engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about CBKM stock?
As of 2026-03-16, formal analyst ratings for CBKM are limited due to its OTC listing and smaller market capitalization. However, key valuation metrics include a P/E ratio of 9.24 and a dividend yield of 3.16%.
What are the key factors to evaluate for CBKM?
Consumers Bancorp, Inc. (CBKM) holds a MoonshotScore of 46/100 (low). P/E: 9.24x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CBKM data refresh on this page?
CBKM's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CBKM's recent stock price performance?
Consumers Bancorp, Inc. (CBKM) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Ohio. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CBKM overvalued or undervalued right now?
Consumers Bancorp, Inc. (CBKM) trades at 9.24x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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. Your brokerage can send alerts for CBKM earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for CBKM may affect the accuracy of consensus estimates.
- OTC market listing implies higher risks compared to exchange-listed stocks.