CBKM: AI 评分 46/100 — AI 分析 (4月 2026)

Consumers Bancorp, Inc. is a bank holding company operating through Consumers National Bank. They provide commercial and retail banking services to individuals, farmers, and small-to-medium businesses across several counties in Ohio.

Key Facts: AI Score: 46/100 Sector: Financial Services

公司概况

概要：

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.

CBKM是做什么的？

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.

CBKM的投资论点是什么？

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.

CBKM在哪个行业运营？

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).

Banks - Regional

Financial Services

CBKM有哪些增长机遇？

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.

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.

CBKM提供哪些产品和服务？

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.

CBKM如何赚钱？

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.

Individuals seeking personal banking services.
Farmers needing agricultural financing.
Small and medium-sized businesses requiring commercial loans.
Real estate developers seeking financing for projects.

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.

什么因素可能推动CBKM股价上涨？

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.

CBKM的主要风险是什么？

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.

CBKM的核心优势是什么？

Strong local presence in Ohio.
Personalized customer service.
Experienced management team.
Solid deposit base.

CBKM的劣势是什么？

Limited geographic diversification.
Smaller scale compared to larger regional banks.
Dependence on local economy.
Limited digital banking capabilities compared to larger competitors.

CBKM有哪些机遇？

Expansion into contiguous counties.
Increased commercial lending to small businesses.
Enhancement of digital banking services.
Partnerships with fintech companies.

CBKM面临哪些威胁？

Increased competition from larger regional banks.
Economic downturn affecting loan performance.
Rising interest rates impacting profitability.
Regulatory changes increasing compliance costs.

CBKM的竞争对手是谁？

CTUY — Regional bank with similar community focus. — (CTUY)
CZBS — Competes for local deposits and loans. — (CZBS)
CZBT — Offers similar banking services in the region. — (CZBT)
FABP — Regional competitor with a focus on small businesses. — (FABP)
JBTC — Another regional bank operating in the same market. — (JBTC)

Key Metrics

MoonshotScore: 46/100

Company Profile

CEO: Ralph J. Lober
Headquarters: Minerva, US
Employees: 169
Founded: 1999

AI Insight

AI analysis pending for CBKM

OTC Tier: OTC Other
Disclosure Status: Unknown

常见问题

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%. the may be worth researching 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.