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CONSUMERS BANCORP INC /OH/ CBKM

OTC · stock · National Commercial Banks · website · IPO 1999-10-18

CONSUMERS BANCORP INC /OH/ statistics & valuation

Market cap$89.3M
P / E8.0×
P / S18.2×
P / B1.0×
P / FCF9.3×
Dividend yield2.96%
Net margin227.2%
Return on equity12.4%
FCF margin194.5%
Graham number +46.1%$47.76

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($47.76); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
131.60% 186.90% 171.90% 263.20% 289.60% 257.90% 195.80% 187.70% 227.20% 2017201820192020202120222023202420252026
Gross margin (%)
2017201820192020202120222023202420252026
Operating margin (%)
2017201820192020202120222023202420252026
Return on equity (%)
6.90% 8.20% 10.90% 8.70% 12.90% 20.70% 19.20% 13.50% 11.40% 12.40% 2017201820192020202120222023202420252026
Shares outstanding
2.7M 2.7M 2.7M 2.9M 3.0M 3.0M 3.1M 3.1M 3.1M 3.1M 2017201820192020202120222023202420252026
Net debt ($)
2017201820192020202120222023202420252026
Share buybacks ($)
2017201820192020202120222023202420252026
Return on assets (%)
0.70% 0.70% 1.00% 0.70% 1.10% 1.10% 1.00% 0.80% 0.70% 0.90% 2017201820192020202120222023202420252026
Free cash flow margin (%)
189.70% 158.30% 158.50% 376.50% 348.60% 277.70% 191.50% 105.30% 194.50% 2017201820192020202120222023202420252026
Debt / equity (×)
2017201820192020202120222023202420252026
EPS ($)
$1.10 $1.31 $2.04 $1.92 $2.98 $3.68 $3.45 $2.76 $2.77 $3.55 2017201820192020202120222023202420252026

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CONSUMERS BANCORP INC /OH/ trades at about 9.2× earnings — above its 10-year norm (10-year range 5×–17.9×, median 7.8×).

5× 17.9×

Shaded band = 10-year range (5×–17.9×); dot = today's 9.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Net margin227.2%187.7%195.8%257.9%289.6%263.2%171.9%186.9%131.6%—
FCF margin194.5%105.3%191.5%277.7%348.6%376.5%158.5%158.3%189.7%—
Return on assets0.9%0.7%0.8%1.0%1.1%1.1%0.7%1.0%0.7%0.7%
Return on equity12.4%11.4%13.5%19.2%20.7%12.9%8.7%10.9%8.2%6.9%

Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.