SequelSEC

CONSUMERS BANCORP INC /OH/ CBKM

National Commercial Banks · CIK 0001006830 · Fiscal year ends 0630 · Bank

AnnualQuarterlyTTM
Revenue
Unavailable
Fiscal year ended 2026-06-30
Net income
Unavailable
Fiscal year ended 2026-06-30
Total assets
$1.28B
Fiscal year ended 2026-06-30

Valuation, from the filing

Public float$71.75MMarket value of stock held by non-affiliates, as stated on the cover page for 2025-12-31
Float per share$22.73Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself.
Float / net income6.4×A lower bound on the multiple, because affiliate holdings are excluded.
Float / revenue14.6×A lower bound on the multiple, because affiliate holdings are excluded.
Float / equity0.8×A lower bound on the multiple, because affiliate holdings are excluded.

Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-12-31, not today, and each multiple below it uses the figures for the fiscal year ending 2026-06-30 — the year that filing covered.

Valuation over time

6.4× earnings today, against a median of 6.2× across 9 years on record. In line with its own history.

Float measuredPublic floatFloat / net income
2025-12-31$71.75M6.4×
2024-12-31$54.02M6.2×
2023-12-31$46.96M5.5×
2022-12-31$53.28M5.0×
2021-12-31$58.49M5.2×
2020-12-31$52.39M5.8×
2019-12-31$47.64M8.6×
2018-12-31$46.64M8.4×
2017-12-31$41.95M11.7×

Each float is paired with the fiscal year the filing that stated it covers. Only years where the company reported positive net income appear, because a multiple against a loss is not a multiple.

How this compares in its industry

Percentile among the National Commercial Banks filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.

MeasureReportedPercentile
Effective tax rate15.3%7th
CapEx / revenue33.3%90th
Net margin227.2%81th
FCF margin194.5%80th
Revenue YoY growth6.4%47th

This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from CONSUMERS BANCORP INC /OH/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under National Commercial Banks.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

CONSUMERS BANCORP INC /OH/ income by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-06-302024-06-302023-06-302022-06-302021-06-302020-06-302020-03-312019-12-312019-09-30
RevenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$443.00K$800.00K$814.00K$1.16M
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$1.57M$1.02M$1.44M$1.50M
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableshares 3.00Mshares 2.74Mshares 2.73M
Pretax incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$1.84M$1.18M$1.70M$1.72M
Income tax expenseUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$275.00K$164.00K$261.00K$212.00K
Diluted EPSUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$0.34$0.53$0.55
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

CONSUMERS BANCORP INC /OH/ balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-06-302024-06-302023-06-302022-06-302021-06-302020-06-302020-03-312019-12-312019-09-30
Cash & equivalentsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$12.54M$14.03M$12.50M
Total assets$1.28B$1.17B$1.10B$1.06B$977.31M$833.80M$740.82M$663.28M$574.57M$565.19M
Current assetsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total liabilities$1.19B$1.09B$1.03B$1.00B$923.34M$763.90M$677.58M$601.95M$520.54M$512.19M
Current liabilitiesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$89.88M$76.27M$63.68M$55.48M$53.97M$69.90M$63.24M$61.33M$54.04M$52.99M
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Goodwill$2.45M$2.45M$2.45M$2.45M$2.45M$836.00K$836.00K$836.00KUnavailableUnavailable
Long-term debtUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

CONSUMERS BANCORP INC /OH/ cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-06-302024-06-302023-06-302022-06-302021-06-302020-06-302020-03-312019-12-312019-09-30
Operating cash flowUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$569.00K$2.81M$1.41M$806.00K
Capital expendituresUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$44.00K$234.00K$171.00K$48.00K
Investing cash flowUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable-$78.02M-$20.87M-$7.84M-$6.32M
Financing cash flowUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$74.57M$16.57M$7.96M$8.56M
Net change in cashUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable-$2.88M-$1.48M$1.53M$3.04M
Stock-based compensationUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Common dividends paidUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$406.00K$409.00K$370.00K$369.00K
Common share repurchasesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Depreciation & amortizationUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Derived

CONSUMERS BANCORP INC /OH/ derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302025-06-302024-06-302023-06-302022-06-302021-06-302020-06-302020-03-312019-12-312019-09-30
Free cash flowUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable$525.00K$2.58M$1.24M$758.00K
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable118.5%322.0%152.0%65.3%
SBC / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Current ratioUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Revenue YoY growthUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable-43.4%14.0%-9.9%56.8%
Net marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable353.5%UnavailableUnavailableUnavailable
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable9.9%UnavailableUnavailableUnavailable
Long-term debt / equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Effective tax rateUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable14.9%13.9%15.3%12.4%

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open CBKM in the interactive workspace to inspect any figure back to its filing.

Source filings

10-K · Filed 2026-09-10View SEC filing
10-Q · Filed 2026-05-08View SEC filing
10-Q · Filed 2026-02-06View SEC filing
10-Q · Filed 2025-11-07View SEC filing
10-K · Filed 2025-09-05View SEC filing
10-Q · Filed 2025-05-08View SEC filing

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Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.