Consumers Bancorp, Inc. (CBKM)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, 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) trades at $28.75 with AI Score 46/100 (Grade C). Consumers Bancorp, Inc. is a bank holding company operating through Consumers National Bank. Market cap: $90.41M, Sector: Financial services.
Price live · AI analysis from 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.
CBKM: the 1 perspectives are evenly split.
How is this calculated? →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 $90.41M 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 $90.41M and a P/E ratio of 8.3, 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 $90.41M indicates a smaller, community-focused bank.
- P/E Ratio of 8.3 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 | AI Score |
|---|---|---|---|---|
| CTUY Century Next Financial Corporation | $66.24 | +0.00% | $84.62M | 51 |
| CZBS Citizens Bancshares Corporation | $54.10 | +0.09% | $97.43M | 44 |
| CZBT Citizens Bancorp of Virginia, Inc. | $39.75 | +3.01% | $83.79M | 53 |
| FABP Farmers Bancorp (Frankfort IN) | $54.00 | +0.47% | $98.84M | 56 |
| JBTC JBT Bancorp Inc. | $37.50 | +0.67% | $91.26M | 56 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
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 0.22 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. 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.
What Opportunities Does CBKM Have?
- Expansion into contiguous counties.
- Increased commercial lending to small businesses.
- Enhancement of digital banking services.
- Partnerships with fintech companies.
What Threats Does CBKM Face?
- Increased competition from larger regional banks.
- Economic downturn affecting loan performance.
- Rising interest rates impacting profitability.
- Regulatory changes increasing compliance costs.
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.
Consumers Bancorp, Inc. Financial Trajectory
Consumers Bancorp, Inc. (CBKM) reported $16.3M in revenue for Q1 2026, reflecting 2.1% growth compared to the prior quarter. The company recorded net income of $2.8M, with diluted EPS of $0.90. 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 $0.83 in diluted EPS.
Company Profile
Consumers Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Minerva, US. The company is led by CEO Ralph J. Lober. CBKM has traded publicly since 1999.
How Consumers Bancorp, Inc. Is Valued
Consumers Bancorp, Inc. carries a market capitalization of $90.41M, placing it in the micro-cap category. Relative to its peer group, CBKM's quantitative score of 46/100 is roughly in line with the peer average of 52/100.
ROE 13%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 8.35, below the Financial Services sector average of ~18x. 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.
F-Score 7/9Financial Health
Consumers Bancorp, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.22 places it in the distress zone, a signal of elevated financial risk.
Net buyingInsider Activity
Over the past six months, Consumers Bancorp, Inc. insiders filed 29 SEC Form 4 transactions — 0 sales and 29 purchases. On net that is roughly 7K shares acquired (about $200K) — insiders putting money in tends to read as conviction.
CBKM Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying signals confidence from those who know the company best.
- The community sentiment appears optimistic, suggesting a positive outlook on the company's future.
- Market perception seems to be improving, potentially driven by recent company announcements or industry trends.
- Bullish views within the community highlight potential growth opportunities and strategic advantages.
Bear Case
- Lack of significant insider selling doesn't guarantee positive performance; insiders may have personal reasons for holding.
- Positive community sentiment can be swayed by short-term trends and may not reflect long-term fundamentals.
- Market perception can be fickle and influenced by broader market conditions, not just company performance.
- Bearish community views point to potential risks and challenges the company may face, requiring careful consideration.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $16M | $3M | $0.90 |
| Q4 2025 | $16M | $3M | $0.87 |
| Q3 2025 | $15M | $3M | $0.84 |
| Q2 2025 | $15M | $2M | $0.73 |
Based on FMP financials and quantitative analysis
CBKM Latest News
No recent news available for CBKM.
CBKM 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.
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. Financial Services 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 8.3 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) holds an AI score of 46/100 (low). P/E: 8.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CBKM data refresh on this page?
CBKM prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated 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.
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.