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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.16M | $1.09M | $1.05M | $991.0K | $940.0K | $1.04M |
| Operating Income | $10.32M | $10.43M | $12.92M | $10.84M | $10.84M | $6.44M |
| Interest Expense | - | - | $7.22M | $1.41M | $1.90M | $3.82M |
| Income Tax | $1.66M | $1.84M | $2.25M | $2.34M | $1.85M | $912.0K |
| Net Income | $8.67M | $8.58M | $10.67M | $11.19M | $8.99M | $5.53M |
| EPS - Basic | $2.77 | $2.76 | $3.45 | $3.68 | $2.98 | $1.92 |
| EPS - Diluted | $2.77 | $2.76 | $3.45 | $3.68 | $2.98 | $1.92 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.17B | $1.10B | $1.06B | $977.31M | $833.80M | $740.82M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $1.09B | $1.03B | $1.00B | $923.34M | $763.90M | $677.58M |
| Stockholders' Equity | $76.27M | $63.69M | $55.48M | $53.97M | $69.90M | $63.24M |
| Retained Earnings | $77.82M | $71.53M | $65.48M | $56.91M | $47.66M | $40.46M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $7.93M | $9.38M | $13.32M | $14.95M | $14.01M | $5.59M |
| Investing Cash Flow | ($61.70M) | ($30.45M) | ($92.22M) | ($65.22M) | ($89.00M) | ($113.05M) |
| Financing Cash Flow | $55.95M | $27.04M | $69.71M | $52.70M | $83.86M | $107.66M |
| CapEx | $3.07M | $983.0K | $1.82M | $1.48M | $1.15M | $497.0K |
| Free Cash Flow | $4.86M | $8.39M | $11.49M | $13.47M | $12.86M | $5.10M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.56 | 0.98 | 1.08 | 1.20 | 1.43 | 0.92 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 16.0% | 17.7% | 17.4% | 17.3% | 17.1% | 14.2% |
| Return on assets | 0.7% | 0.8% | 1.0% | 1.1% | 1.1% | 0.7% |
| Return on equity | 11.4% | 13.5% | 19.2% | 20.7% | 12.9% | 8.7% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 1.8x | 7.7x | 5.7x | 1.7x |
| Equity multiplier | 15.27 | 17.23 | 19.11 | 18.11 | 11.93 | 11.71 |
| Liabilities / Assets | 0.93 | 0.94 | 0.95 | 0.94 | 0.92 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 7.2x | 5.9x | 5.2x | 5.2x | 6.5x | 7.4x |
| P / B | 0.8x | 0.8x | 1.0x | 1.1x | 0.8x | 0.6x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 5.5x | 4.4x | 4.0x | 4.9x | 5.0x | 5.5x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -1.0% | -19.3% | 19.2% | 0.0% | 68.3% | -2.1% |
| Net income growth (YoY) | 1.0% | -19.6% | -4.6% | 24.5% | 62.6% | -0.7% |
| EPS growth (YoY) | 0.4% | -20.0% | -6.2% | 23.5% | 55.2% | -5.9% |
| EPS CAGR (3y) | -9.0% | -2.5% | 21.6% | 21.7% | 31.5% | 20.4% |
| EPS CAGR (5y) | 7.6% | 6.2% | 21.4% | 27.3% | 30.4% | 12.2% |
| FCF growth (YoY) | -42.1% | -27.0% | -14.7% | 4.8% | 152.3% | 8.1% |
| FCF CAGR (5y) | -0.9% | 12.2% | 17.4% | 23.0% | 60.2% | 105.5% |
| Book value growth (YoY) | 19.8% | 14.8% | 2.8% | -22.8% | 10.5% | 23.6% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |