Consumers Bancorp Inc (CBKM)

Consumers Bancorp, Inc. is a bank holding company for Consumers National Bank, providing banking products and services to individuals, farmers, and small and medium-sized businesses. Through its banking operations, the company accepts a range of deposit products, including demand deposits, savings accounts, time deposits, and certificates of deposit. Its lending activities cover commercial and industrial loans, commercial real estate financing, agricultural and land development loans, residential real estate loans, and consumer loans such as automobile loans, personal lines of credit, and unsecured loans. The company also offers small business administration loans, business term loans, commercial construction loans, credit and debit cards, ATM access, online and mobile banking, and cash management services. In addition, it holds a securities portfolio that includes obligations of U.S. government sponsored entities, municipal obligations, and mortgage-backed securities. Founded in 1965, Consumers Bancorp is headquartered in Minerva, Ohio.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-CBKM
$28.72
-12.9% Downside
Fair
Not available
Not available
Good
2.7%
October 23, 2026
9.3x
1.2x
2.3x
104.1 M
35.4%
79.3%
-2.2
23.7%
85.6%
Valuation • Fair Value

Consumers Bancorp Inc (OTC-CBKM) Fair Value by Valuation Model

Review the available estimates for Consumers Bancorp Inc (OTC-CBKM), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$28.72

Estimated downside of 12.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$39.24

Classic Ben Graham valuation formula reference.

Comps Fair Value

$28.72

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 4 available valuation references for Consumers Bancorp Inc (OTC-CBKM) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Consumers Bancorp Inc (OTC-CBKM)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

44.645 M

Current operating scale indicator.

Revenue Forecast

50.226 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Consumers Bancorp Inc (OTC-CBKM) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Consumers Bancorp Inc (OTC-CBKM)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Altman Z-Score

-2.2

Lower score that deserves closer risk review.

FCF / Net Income

85.6%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Consumers Bancorp Inc (OTC-CBKM). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Consumers Bancorp Inc (OTC-CBKM)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 23, 2026

Days to Earnings

31

Dividend Yield

2.7%

Current income yield reference.

Payout Ratio

23.7%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Consumers Bancorp Inc (OTC-CBKM), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Buy

The 15-minute technical read for Consumers Bancorp Inc (OTC-CBKM) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for Consumers Bancorp Inc (OTC-CBKM) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Buy

The daily technical read for Consumers Bancorp Inc (OTC-CBKM) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Consumers Bancorp Inc (OTC-CBKM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Consumers Bancorp Inc (OTC-CBKM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

Consumers Bancorp Inc (OTC-CBKM) Stock FAQ

Data-supported answers about Consumers Bancorp Inc (OTC-CBKM), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$28.72
Estimated downside 12.9%
Valuation Rating
Overvalued
Estimated downside of 12.9%
Financial Health
Good
Current financial-health read

The current fair value estimate for Consumers Bancorp Inc (OTC-CBKM) is $28.72. This implies an estimated downside of 12.9% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 12.9% versus the current market price.

The current financial health read for Consumers Bancorp Inc (OTC-CBKM) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Consumers Bancorp Inc (OTC-CBKM) is October 23, 2026.

Based on the current data, dividend yield is 2.7%.

The current P/E ratio listed for Consumers Bancorp Inc (OTC-CBKM) is 9.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Consumers Bancorp Inc is 104.1 M.

The ticker symbol for Consumers Bancorp Inc is OTC-CBKM, and the stock is listed on OTC Markets.

Consumers Bancorp Inc (OTC-CBKM) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Consumers Bancorp Inc is 35.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Consumers Bancorp Inc is 79.3%. Free float helps investors understand how much of the share base is available for public trading.