Consumers Bancorp, Inc. (CBKM)
For informational purposes only. Not financial advice. 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) with AI Score 46/100 (Weak). Consumers Bancorp, Inc. is a bank holding company operating through Consumers National Bank. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 16, 2026Consumers 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 $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.
Investment Thesis
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.
Based on FMP financials and quantitative analysis
Key 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.
Competitors & Peers
Strengths
- Strong local presence in Ohio.
- Personalized customer service.
- Experienced management team.
- Solid deposit base.
Weaknesses
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on local economy.
- Limited digital banking capabilities compared to larger competitors.
Catalysts
- 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.
Risks
- 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.
Growth Opportunities
- 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.
Opportunities
- Expansion into contiguous counties.
- Increased commercial lending to small businesses.
- Enhancement of digital banking services.
- Partnerships with fintech companies.
Threats
- Increased competition from larger regional banks.
- Economic downturn affecting loan performance.
- Rising interest rates impacting profitability.
- Regulatory changes increasing compliance costs.
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.
About 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.
What They Do
- 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.
Business Model
- 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.
Industry Context
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).
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.
Financials
Chart & Info
Consumers Bancorp, Inc. (CBKM) stock price: Price data unavailable
Latest News
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Consumers Bancorp (OTCMKTS:CBKM) Stock Price Crosses Below 50 Day Moving Average – Time to Sell?
defenseworld.net · Mar 3, 2026
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CBKM.
Price Targets
Wall Street price target analysis for CBKM.
MoonshotScore
What does this score mean?
The MoonshotScore rates CBKM's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
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
- Disclosure Status: 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. Stock: Key Questions Answered
What does Consumers Bancorp, Inc. do?
Consumers Bancorp, Inc. operates as the bank holding company for Consumers National Bank, providing a range of commercial and retail banking services to individuals, farmers, and small to medium-sized businesses. These services include deposit accounts, commercial loans, real estate loans, and consumer loans. The company generates revenue through interest income, fees, and investment activities, focusing on serving its local communities in Ohio with personalized financial solutions.
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 8.56 and a dividend yield of 3.16%. Investors may want to evaluate the company's growth potential in its Ohio market, its profitability, and its risk profile when evaluating the stock. Due to the limited analyst coverage, investors should conduct their own thorough research and due diligence.
What are the main risks for CBKM?
The main risks for Consumers Bancorp, Inc. include economic downturns in its operating region, increased competition from larger banks and credit unions, rising interest rates impacting net interest margin, and regulatory changes increasing compliance costs. As an OTC-listed company, CBKM also faces liquidity risks and potential for less transparency. Investors should carefully assess these risks before investing in CBKM.
How does Consumers Bancorp, Inc. make money in financial services?
Consumers Bancorp, Inc. primarily generates revenue through net interest income, which is the difference between the interest earned on loans and investments and the interest paid on deposits. The company also earns fee income from services such as deposit accounts, wire transfers, and other banking services. Additionally, Consumers Bancorp invests in securities to generate investment income. The company's profitability depends on its ability to manage interest rate risk, control expenses, and maintain asset quality.
What is Consumers Bancorp, Inc.'s credit quality and risk management approach?
Consumers Bancorp, Inc.'s credit quality is reflected in its loan portfolio, which includes commercial, real estate, and consumer loans. The company manages credit risk by carefully underwriting loans, diversifying its loan portfolio, and monitoring loan performance. Consumers Bancorp also maintains reserves for loan losses to cover potential defaults. The company's risk management approach includes policies and procedures for identifying, measuring, and controlling various risks, including credit risk, interest rate risk, and operational risk. Investors should monitor the company's asset quality and risk management practices to assess its financial stability.
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.
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.