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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.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

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 Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-CBKM
$31.30
8.1% Upside
Fair
—
—
—
Fair
—
—
0.84
2.8%
August 3, 2026
8.9x
1.1x
2.1x
93.022 M
—
23.6%
86.6%
-2.3
24.6%
70.9%
Valuation • Fair Value

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

Compare the primary fair value estimate for Consumers Bancorp Inc (OTC-CBKM) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$31.30

Estimated upside of 8.1% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$37.04

Classic Ben Graham valuation formula reference.

DDM Fair Value

$48.65

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$25.52

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Consumers Bancorp Inc (OTC-CBKM) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

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

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

43.348 M

Current operating scale indicator.

Revenue Forecast

39.754 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

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 financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-2.3

Lower score that deserves closer risk review.

FCF / Net Income

70.9%

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 next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

August 3, 2026

Days to Earnings

13

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

2.8%

Income yield reference.

Upcoming Dividend

0.84

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

24.6%

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.

Stock Forecast • Technical Outlook

Consumers Bancorp Inc (OTC-CBKM) Stock Forecast & Technical Outlook

Review Consumers Bancorp Inc (OTC-CBKM) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

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
Strong Sell

The 15-minute technical read for Consumers Bancorp Inc (OTC-CBKM) is currently Strong Sell. 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
Strong Sell

The 1-hour technical read for Consumers Bancorp Inc (OTC-CBKM) is currently Strong Sell. 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
Neutral

The daily 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: 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.

Analyst Consensus for Consumers Bancorp Inc (OTC-CBKM)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Consumers Bancorp Inc (OTC-CBKM) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

Consumers Bancorp Inc (OTC-CBKM) Stock FAQ

Quick answers about Consumers Bancorp Inc (OTC-CBKM) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$31.30
Estimated upside 8.1%
Valuation Rating
Undervalued
Estimated upside of 8.1%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Fair
Current financial-health read

The current fair value estimate for Consumers Bancorp Inc (OTC-CBKM) is $31.30. This implies an estimated upside of 8.1% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 8.1% versus the current market price.

An analyst price target for Consumers Bancorp Inc (OTC-CBKM) is not currently available in the latest data file.

The current financial health read for Consumers Bancorp Inc (OTC-CBKM) is Fair. 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 August 3, 2026.

Based on the current data, dividend yield is 2.8%, upcoming dividend amount is 0.84.

The current P/E ratio listed for Consumers Bancorp Inc (OTC-CBKM) is 8.9x. 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 93.022 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 23.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Consumers Bancorp Inc is 86.6%. Free float helps investors understand how much of the share base is available for public trading.

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