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Consumers Bancorp, Inc (CBKM) Fair Value & Analysis

Financial Services · US · Market cap $89.6M

Price$29.49
Fair Value$35.83
Upside+21.5%
Quality95/100
Evidence: High Range $26.87 – $44.79

Fair value as of: Jun 26, 2026

Analysis

Consumers Bancorp, Inc (CBKM) currently trades at $29.49, while our model-based Fair Value estimate is $35.83 — implying the stock looks roughly 21.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Consumers Bancorp, Inc. operates as the bank holding company for Consumers National Bank that provides various banking products and services for individuals, farmers, and small and medium-sized businesses. The company accepts various deposit products, such as noninterest and interest-bearing demand deposits and savings accounts, and time deposits, as well as certificates of deposit. It also provides commercial and industrial loans, such as financing for equipment, inventories, and accounts receivable; commercial real estate loans, including mortgage loans to owners of owner-occupied commercial properties, commercial investment properties, and multi-family investment properties, as well as loans originated to finance the construction of owner occupied and investment properties; finance or refinance the acquisition or improvement of land used for agricultural purposes; land development loans to finance land acquisition and infrastructure improvements; residential real estate loans com…

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Frequently asked questions

Is Consumers Bancorp, Inc (CBKM) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $35.83 versus a price of $29.49 — about +21% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CBKM?
Our 21-model fair value for Consumers Bancorp, Inc is $35.83 (as of Jun 26, 2026), built from audited fundamentals. The current price is $29.49.
What is the quality score of CBKM?
Consumers Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.