Stocktoria
CONSUMERS BANCORP INC /OH/ CBKM
CONSUMERS BANCORP INC /OH/ (CBKM) earns a Piotroski F-score of 2/9 (weak financial health). It pays a dividend yielding 2.67% (safety: safe). FY2025 revenue was $4.6M at a 186.5% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CBKM | CONSUMERS BANCORP INC /OH/ | 2/9 | — | 10.3 | — |
| SFST | SOUTHERN FIRST BANCSHARES INC | 5/9 | — | 19.1 | — |
| MRBK | Meridian Corp | 5/9 | — | 10.9 | — |
| UBOH | UNITED BANCSHARES INC/OH | 5/9 | — | 9.2 | — |
| NKSH | NATIONAL BANKSHARES INC | 5/9 | — | 15.2 | — |
| ASRV | AMERISERV FINANCIAL INC /PA/ | 4/9 | — | 11.8 | -6.3% |
| FUNC | FIRST UNITED CORP/MD/ | 5/9 | — | 11.9 | +4% |
All Finance, Insurance & Real Estate companies →
About CONSUMERS BANCORP INC /OH/
Consumers Bancorp, Inc. operates as the bank holding company for Consumers National Bank that provides various banking products and services for individuals, farmers, and small and medium-sized businesses. The company accepts various deposit products, such as noninterest and interest-bearing demand deposits and savings accounts, and time deposits, as well as certificates of deposit. It also provides commercial and industrial loans, such as financing for equipment, inventories, and accounts receivable; commercial real estate loans, including mortgage loans to owners of owner-occupied commercial properties, commercial investment properties, and multi-family investment properties, as well as loans originated to finance the construction of owner occupied and investment properties; finance or refinance the acquisition or improvement of land used for agricultural purposes; land development loans to finance land acquisition and infrastructure improvements; residential real estate loans comprising one to four family residential properties and owner occupied, non-owner occupied, construction, and home equity loans; and consumer loans primarily for automobile loans, personal lines of credit, and unsecured consumer loans. In addition, the company invests in securities consisting of obligations of the United States government sponsored entities, municipal obligations, and mortgage-backed securities. Further, it offers small business administration, business term, and commercial construction loans; credit and debit cards; ATM; and online and mobile banking services, as well as cash management services. The company was founded in 1965 and is headquartered in Minerva, Ohio.
FAQ
Is CBKM financially healthy?
CONSUMERS BANCORP INC /OH/'s Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak).
Does CBKM pay a dividend, and is it safe?
Yes. CONSUMERS BANCORP INC /OH/ pays a dividend yielding about 2.67% with a 27.5% payout ratio, rated “safe” for safety.
How profitable is CBKM?
In FY2025, CONSUMERS BANCORP INC /OH/ had a net margin of 186.5% and a return on equity of 11.4%.
Is CBKM overvalued or undervalued?
CONSUMERS BANCORP INC /OH/ trades at about 11.3× trailing earnings — above its 10-year norm (10-year range 5.0×–20.2×, median 7.8×). Stocktoria reports the data, not buy/sell advice.
Is CBKM a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CONSUMERS BANCORP INC /OH/: a Piotroski F-score of 2/9, a P/E of about 10.3×, a dividend yield of 2.67%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.