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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 / E10.3×
P / S19.2×
P / B1.2×
P / FCF18.4×
Dividend yield2.67%
Net margin186.5%
Return on equity11.4%
FCF margin104.6%
Graham number +24.6%$38.95

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 ($38.95); 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% 186.50% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
4.90% 6.90% 8.20% 10.90% 8.70% 12.90% 20.70% 19.20% 13.50% 11.40% 2016201720182019202020212022202320242025
Shares outstanding
2.7M 2.7M 2.7M 2.7M 2.9M 3.0M 3.0M 3.1M 3.1M 3.1M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.50% 0.70% 0.70% 1.00% 0.70% 1.10% 1.10% 1.00% 0.80% 0.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
189.70% 158.30% 158.50% 376.50% 348.60% 277.70% 191.50% 104.60% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.79 $1.10 $1.31 $2.04 $1.92 $2.98 $3.68 $3.45 $2.76 $2.77 2016201720182019202020212022202320242025

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 11.3× earnings — above its 10-year norm (10-year range 5×–20.2×, median 7.8×).

5× 20.2×

Shaded band = 10-year range (5×–20.2×); dot = today's 11.3×.

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)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin186.5%195.8%257.9%289.6%263.2%171.9%186.9%131.6%——
FCF margin104.6%191.5%277.7%348.6%376.5%158.5%158.3%189.7%——
Return on assets0.7%0.8%1.0%1.1%1.1%0.7%1.0%0.7%0.7%0.5%
Return on equity11.4%13.5%19.2%20.7%12.9%8.7%10.9%8.2%6.9%4.9%

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