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CBKM · OTC · United States · National Commercial Banks
In shortCONSUMERS BANCORP INC /OH/ is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 227.2% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 13.4% | 67/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 194.5% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.86× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 3.2% | 99/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 5.9% | 49/100 |
|---|---|---|
| EPS growth, 3-year average | 1.0% | 30/100 |
Weight in the score: 10%
Fiscal year 2026 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 3.9 | 4.1 | 4.4 | 4.6 | 4.9 |
| Interest expense | 1.4 | 7.2 | – | – | – |
| Pre-tax income | 14 | 13 | 10 | 10 | 13 |
| Income tax | 2.3 | 2.2 | 1.8 | 1.7 | 2 |
| Net income | 11 | 11 | 8.6 | 8.7 | 11 |
| Diluted EPS | $3.68 | $3.45 | $2.76 | $2.77 | $3.55 |
| Diluted shares (millions) | 3 | 3.1 | 3.1 | 3.1 | 3.1 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of CONSUMERS BANCORP INC /OH/ are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
6/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Sep 10, 2026