Consumers Bancorp, Inc. (CBKM)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 25 | 30 | 36 | 37 | 35 | 38 | 46 | - |
| Operating profit | $m | 10 | 13 | ||||||
| Net profit | $m | 6 | 9 | 11 | 11 | 9 | 9 | 11 | - |
| EPS reported | $ | 2.77 | 3.56 | ||||||
| Operating cashflow per share | $ | 2.53 | 2.77 | ||||||
| Capex per share | $ | 0.98 | 0.10 | ||||||
| FCF per share | $ | 1.55 | 2.66 | ||||||
| Free cash flow | $m | 5 | 1 | ||||||
| Net debt | $m | -143 | -228 | ||||||
| Book value equity | $m | 76 | 90 | ||||||
| Book value per share | $ | 24.34 | 28.72 | ||||||
| Number of shares | m | 3.13 | 3.13 | ||||||
| DPS (TTM paid) | $ | 0.80 | 0.85 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.22 | 9.73 | ||||||
| P/B LTM | x | 0.82 | 0.70 | ||||||
| P/S LTM | x | 1.65 | 1.37 | ||||||
| P/FCF LTM | x | 12.89 | 101.57 | ||||||
| EV/EBITDA LTM | x | 7.05 | 6.16 | ||||||
| EV/Sales LTM | x | 1.43 | 2.04 | ||||||
| Earnings Yield LTM | % | +13.85% | +10.28% | ||||||
| FCF Yield | % | +7.76% | +0.98% | ||||||
| Quality | |||||||||
| ROE | % | +11.36% | +12.96% | ||||||
| ROIC | % | +6.76% | +0.87% | ||||||
| Operating margin | % | +18.15% | +20.12% | ||||||
| Gross margin | % | +64.68% | +68.17% | ||||||
| FCF/Sales | % | +8.55% | +12.72% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +0.36% | +28.99% | ||||||
| Sales Growth YoY | % | +7.05% | +29.34% | ||||||
| Net Income Growth YoY | % | +1.01% | +30.12% | ||||||
| FCF Growth | % | -42.06% | -92.65% | ||||||
| Operating Profit Growth | % | -0.97% | +26.40% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.80% | +2.58% | ||||||
| Dividend Growth | % | +8.11% | +14.86% | ||||||
| Payout Ratio | % | +27.46% | +24.62% | ||||||
| FCF/Debt | x | 0.13 | 0.01 | ||||||
| Net Debt/EBITDA | x | 1.62 | 2.27 | ||||||
| EBIT/Net interest | x | 0.55 | 0.67 | ||||||
| Net debt/market cap | % | +60.74% | +54.19% | ||||||
| Net debt/Equity | x | -1.88 | -2.53 | ||||||
| Gross debt/equity | x | 0.50 | 0.63 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Consumers Bancorp, Inc. functions as the holding company for Consumers National Bank, delivering a comprehensive suite of commercial and retail banking solutions. These services cater to a diverse client base, including individual customers, agricultural businesses, and small to medium-sized enterprises. The bank's financial products include a variety of deposit accounts. Its extensive lending portfolio features commercial loans for equipment, inventory, and accounts receivable, alongside commercial real estate financing for farmers, developers, owners of multi-family investment properties, and other commercial properties. Additionally, it offers residential real estate loans, covering one-to-four-family homes and home equity, as well as various consumer credit options like automobile loans, personal lines of credit, and unsecured personal loans. Beyond traditional banking, Consumers Bancorp, Inc. also strategically invests in securities, such as obligations from United States government-sponsored entities, municipal bonds, and mortgage-backed securities. As of June 30, 2021, the company maintained a network of 19 full-service branches and one dedicated loan production office. These operations span Carroll, Columbiana, Jefferson, Stark, Summit, Wayne, and adjacent counties within Ohio. Founded in 1965, the company maintains its corporate headquarters in Minerva, Ohio.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Consumers Bancorp, Inc. (CBKM)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Consumers Bancorp, Inc. functions as the holding company for Consumers National Bank, delivering a comprehensive suite of commercial and retail banking solutions. These services cater to a diverse client base, including individual customers, agricultural businesses, and small to medium-sized enterprises. The bank's financial products include a variety of deposit accounts. Its extensive lending portfolio features commercial loans for equipment, inventory, and accounts receivable, alongside commercial real estate financing for farmers, developers, owners of multi-family investment properties, and other commercial properties. Additionally, it offers residential real estate loans, covering one-to-four-family homes and home equity, as well as various consumer credit options like automobile loans, personal lines of credit, and unsecured personal loans. Beyond traditional banking, Consumers Bancorp, Inc. also strategically invests in securities, such as obligations from United States government-sponsored entities, municipal bonds, and mortgage-backed securities. As of June 30, 2021, the company maintained a network of 19 full-service branches and one dedicated loan production office. These operations span Carroll, Columbiana, Jefferson, Stark, Summit, Wayne, and adjacent counties within Ohio. Founded in 1965, the company maintains its corporate headquarters in Minerva, Ohio.
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