📊 CBKM Key Takeaways
Is Consumers Bancorp Inc. /Oh/ (CBKM) a Good Investment?
Consumers Bancorp faces severe operational challenges with a catastrophic 91.2% YoY revenue decline, indicating fundamental business deterioration or accounting adjustments. Despite maintaining profitability with an 18.5% net margin, the extremely low ROA of 0.4% and ROE of 6.3% suggest poor capital efficiency and asset quality issues typical of distressed financial institutions. The weak interest coverage ratio of 0.5x raises concerns about the sustainability of current profitability levels.
Consumers Bancorp appears fundamentally stable but not especially strong. Profitability remains positive with solid operating and free cash flow generation, yet returns are modest for a bank and the reported 91.2% revenue decline raises concerns about earnings quality, revenue mix, or data classification. The balance sheet shows a reasonable equity base, but weak asset profitability and low interest coverage argue for caution until revenue and margin trends become clearer.
Why Buy Consumers Bancorp Inc. /Oh/ Stock? CBKM Key Strengths
- Positive free cash flow of 5.5M with healthy 18.7% FCF margin demonstrates cash generation capability
- Maintained profitability with 5.4M net income despite massive revenue contraction
- Zero debt-to-equity ratio eliminates financial leverage risk and provides balance sheet stability
- Positive net income, operating income, and free cash flow indicate the franchise is still generating earnings and cash
- Equity of $86.13M against $1.21B of assets suggests a meaningful capital buffer for a community bank
- Net margin of 18.5% and operating margin of 21.8% show the bank remains operationally profitable despite top-line pressure
CBKM Stock Risks: Consumers Bancorp Inc. /Oh/ Investment Risks
- Catastrophic 91.2% YoY revenue decline indicates severe operational or structural problems requiring urgent investigation
- Critically low ROA of 0.4% and ROE of 6.3% signal severe asset quality issues or non-performing loan problems common in troubled banks
- Interest coverage ratio of 0.5x suggests current profitability may be unsustainable and vulnerable to margin compression
- Reported revenue fell 91.2% year over year, which materially weakens confidence in growth quality and earnings durability
- ROA of 0.4% and ROE of 6.3% are relatively modest, indicating limited efficiency and shareholder return generation
- Interest coverage of 0.5x points to pressure in covering financing costs from operating earnings
Key Metrics to Watch
- Non-performing asset ratio and loan loss provisions to assess actual asset quality
- Core deposit trends and net interest margin sustainability
- Regulatory capital ratios and any enforcement actions or consent orders
- Net interest income and total revenue trend over the next several filings
- ROA, ROE, and interest coverage improvement versus current levels
Consumers Bancorp Inc. /Oh/ (CBKM) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CBKM Profit Margin, ROE & Profitability Analysis
CBKM vs Finance Sector: How Consumers Bancorp Inc. /Oh/ Compares
How Consumers Bancorp Inc. /Oh/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Consumers Bancorp Inc. /Oh/ Stock Overvalued? CBKM Valuation Analysis 2026
Based on fundamental analysis, Consumers Bancorp Inc. /Oh/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Consumers Bancorp Inc. /Oh/ Balance Sheet: CBKM Debt, Cash & Liquidity
CBKM Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Consumers Bancorp Inc. /Oh/'s revenue has grown significantly by 36% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.76 reflects profitable operations.
CBKM Revenue Growth, EPS Growth & YoY Performance
CBKM Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2020 | $702.0K | $1.0M | $0.34 |
| Q2 2020 | $814.0K | $1.4M | $0.53 |
| Q1 2020 | $740.0K | $505.0K | $0.55 |
| Q3 2019 | $659.0K | -$522.0K | $0.33 |
| Q2 2019 | $771.0K | $241.0K | $0.24 |
| Q1 2019 | $766.0K | $505.0K | $0.34 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Consumers Bancorp Inc. /Oh/ Dividends, Buybacks & Capital Allocation
CBKM SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Consumers Bancorp Inc. /Oh/ (CIK: 0001006830)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CBKM
What is the AI rating for CBKM?
Consumers Bancorp Inc. /Oh/ (CBKM) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CBKM's key strengths?
Claude: Positive free cash flow of 5.5M with healthy 18.7% FCF margin demonstrates cash generation capability. Maintained profitability with 5.4M net income despite massive revenue contraction. ChatGPT: Positive net income, operating income, and free cash flow indicate the franchise is still generating earnings and cash. Equity of $86.13M against $1.21B of assets suggests a meaningful capital buffer for a community bank.
What are the risks of investing in CBKM?
Claude: Catastrophic 91.2% YoY revenue decline indicates severe operational or structural problems requiring urgent investigation. Critically low ROA of 0.4% and ROE of 6.3% signal severe asset quality issues or non-performing loan problems common in troubled banks. ChatGPT: Reported revenue fell 91.2% year over year, which materially weakens confidence in growth quality and earnings durability. ROA of 0.4% and ROE of 6.3% are relatively modest, indicating limited efficiency and shareholder return generation.
What is CBKM's revenue and growth?
Consumers Bancorp Inc. /Oh/ reported revenue of $29.2M.
Does CBKM pay dividends?
Consumers Bancorp Inc. /Oh/ pays dividends, with $1.3M distributed to shareholders in the trailing twelve months.
Where can I find CBKM SEC filings?
Official SEC filings for Consumers Bancorp Inc. /Oh/ (CIK: 0001006830) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CBKM's EPS?
Consumers Bancorp Inc. /Oh/ has a diluted EPS of $1.71.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CBKM a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Consumers Bancorp Inc. /Oh/ has a SELL rating with 76% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CBKM stock overvalued or undervalued?
Valuation metrics for CBKM: ROE of 6.3% (sector avg: 12%), net margin of 18.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CBKM stock in 2026?
Our dual AI analysis gives Consumers Bancorp Inc. /Oh/ a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CBKM's free cash flow?
Consumers Bancorp Inc. /Oh/'s operating cash flow is $6.0M, with capital expenditures of $546.0K. FCF margin is 18.7%.
How does CBKM compare to other Finance stocks?
Vs Finance sector averages: Net margin 18.5% (avg: 25%), ROE 6.3% (avg: 12%), current ratio N/A (avg: 1.2).