CBKM · Consumers Bancorp Inc /Oh/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q3 '25 | Q2 '26 | Q1 '26 | Q2 '25 | Q1 '24 | Q2 '24 | Q3 '24 | Q2 '23 | Q3 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $3.34M | $3.25M | $3.11M | $2.77M | $2.72M | $2.45M | $2.49M | $3.39M | $3.20M | $3.04M |
| Interest Expense | - | - | - | - | $3.58M | $4.22M | $4.58M | $1.25M | $2.29M | $678.0K |
| Income Tax | $524.0K | $495.0K | $477.0K | $488.0K | $480.0K | $435.0K | $435.0K | $577.0K | $565.0K | $504.0K |
| Net Income | $2.82M | $2.75M | $2.63M | $2.29M | $2.24M | $2.02M | $2.05M | $2.81M | $2.64M | $2.54M |
| EPS - Basic | $0.90 | $0.87 | $0.84 | $0.73 | $0.72 | $0.65 | $0.66 | $0.91 | $0.86 | $0.83 |
| EPS - Diluted | $0.90 | $0.87 | $0.84 | $0.73 | $0.72 | $0.65 | $0.66 | $0.91 | $0.86 | $0.83 |
Balance Sheet
| Line item | Q3 '25 | Q2 '26 | Q1 '26 | Q2 '25 | Q1 '24 | Q2 '24 | Q3 '24 | Q2 '23 | Q3 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.24B | $1.21B | $1.19B | $1.17B | $1.12B | $1.10B | $1.09B | $1.06B | $1.05B | $991.42M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.15B | $1.13B | $1.11B | $1.09B | $1.05B | $1.03B | $1.03B | $1.00B | $993.08M | $947.97M |
| Stockholders' Equity | $86.85M | $86.13M | $81.62M | $76.27M | $73.30M | $63.69M | $62.10M | $55.48M | $56.29M | $43.46M |
| Retained Earnings | $84.04M | $81.89M | $79.79M | $77.82M | $73.18M | $71.53M | $69.99M | $65.48M | $63.32M | $58.92M |
Cash Flow
| Line item | Q3 '25 | Q2 '26 | Q1 '26 | Q2 '25 | Q1 '24 | Q2 '24 | Q3 '24 | Q2 '23 | Q3 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | $2.54M | - | $1.14M | - | - | - | $11.72M | $3.96M |
| Investing Cash Flow | - | - | ($13.71M) | - | ($8.80M) | - | - | - | ($75.09M) | ($24.07M) |
| Financing Cash Flow | - | - | $17.94M | - | $16.86M | - | - | - | $68.68M | $24.68M |
| CapEx | - | - | $319.0K | - | $1.02M | - | - | - | $1.65M | $191.0K |
| Free Cash Flow | - | - | $2.22M | - | $121.0K | - | - | - | $10.07M | $3.77M |
Ratios
| Metric | Q3 '25 | Q2 '26 | Q1 '26 | Q2 '25 | Q1 '24 | Q2 '24 | Q3 '24 | Q2 '23 | Q3 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | 0.84 | - | 0.05 | - | - | - | 3.82 | 1.49 |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 15.7% | 15.2% | 15.3% | 17.6% | 17.7% | 17.8% | 17.5% | 17.0% | 17.7% | 16.6% |
| Return on assets | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% |
| Return on equity | 3.2% | 3.2% | 3.2% | 3.0% | 3.1% | 3.2% | 3.3% | 5.1% | 4.7% | 5.8% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | 0.8x | 0.6x | 0.5x | 2.7x | 1.4x | 4.5x |
| Equity multiplier | 14.26 | 14.08 | 14.55 | 15.27 | 15.33 | 17.23 | 17.57 | 19.11 | 18.64 | 22.81 |
| Liabilities / Assets | 0.93 | 0.93 | 0.93 | 0.93 | 0.93 | 0.94 | 0.94 | 0.95 | 0.95 | 0.96 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 28.7x | 30.0x | 28.4x | 27.4x | 24.7x | 25.2x | 25.0x | 19.8x | 21.5x | 24.5x |
| P / B | 0.9x | 1.0x | 0.9x | 0.8x | 0.8x | 0.8x | 0.8x | 1.0x | 1.0x | 1.4x |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 34.3% | 17.1% | - | 13.3% | -10.6% | -27.6% | -22.3% | 11.0% | 2.8% | - |
| Net income growth (YoY) | 37.3% | 20.5% | - | 13.5% | -11.8% | -28.3% | -22.2% | -11.2% | 2.0% | - |
| EPS growth (YoY) | 36.4% | 19.2% | - | 12.3% | -13.3% | -28.6% | -23.3% | -12.5% | 1.2% | - |
| EPS CAGR (3y) | 1.9% | -1.5% | 0.4% | -11.1% | -6.5% | -7.8% | -1.9% | 19.7% | 36.3% | 14.7% |
| EPS CAGR (5y) | 21.5% | 0.9% | -0.9% | 6.6% | 3.4% | -0.9% | 11.7% | 30.5% | 21.1% | 19.5% |
| FCF growth (YoY) | - | - | - | - | -96.8% | - | - | - | - | - |
| FCF CAGR (5y) | - | - | -0.3% | - | -7.9% | - | - | - | - | 50.1% |
| Book value growth (YoY) | 39.9% | 12.9% | - | 19.8% | 68.7% | 14.8% | 10.3% | 2.8% | -9.2% | - |
Peer comparison
Same SIC group: National Commercial Banks
Comparing CONSUMERS BANCORP INC /OH/ against the 5 most active filers in the same SIC group.
Dividends
$0.84/share trailing 12 months · +10.5% YoY
| Ex-date | Per share |
|---|---|
| May 22, 2026 | $0.2100 |
| Feb 23, 2026 | $0.2100 |
| Nov 24, 2025 | $0.2100 |
| Aug 25, 2025 | $0.2100 |
| May 27, 2025 | $0.1900 |
| Feb 24, 2025 | $0.1900 |
| Nov 25, 2024 | $0.1900 |
| Aug 26, 2024 | $0.1900 |
| May 24, 2024 | $0.1800 |
| Feb 23, 2024 | $0.1800 |
| Nov 24, 2023 | $0.1800 |
| Aug 18, 2023 | $0.1800 |
| May 19, 2023 | $0.1700 |
| Feb 24, 2023 | $0.1700 |
| Nov 18, 2022 | $0.1700 |
| Aug 19, 2022 | $0.1700 |
| May 20, 2022 | $0.1600 |
| Feb 17, 2022 | $0.1600 |
| Nov 23, 2021 | $0.1600 |
| Aug 20, 2021 | $0.1600 |
| May 21, 2021 | $0.1500 |
| Feb 19, 2021 | $0.1500 |
| Nov 20, 2020 | $0.1450 |
| Aug 21, 2020 | $0.1450 |