Consumers Bancorp Inc (CBKM) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Consumers Bancorp Inc $21.45, price $32.70, upside -34.4%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Consumers Bancorp Inc
CBKM · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $10.37 – $33.95 · fair‑value band $19.69 – $25.70 · the $32.70 price screens above the $21.45 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
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.
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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 comprising one to four family residential properties and owner occupied, non-owner occupied, construction, and home equity loans; and consumer loans primarily for automobile loans, personal lines of credit, and unsecured consumer loans. In addition, the company invests in securities consisting of obligations of the United States government sponsored entities, municipal obligations, and mortgage-backed securities. Further, it offers small business administration, business term, and commercial construction loans; credit and debit cards; ATM; and online and mobile banking services, as well as cash management services. The company was founded in 1965 and is headquartered in Minerva, Ohio.
Stock analysis
Consumers Bancorp Inc (CBKM) currently trades at $32.70, while our model-based Fair Value estimate is $21.45, implying the stock looks roughly 52.4% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $33.95 per share, and 2 of the 6 models we run sit above the $32.70 price.
Bear case: the Dividend Discount group reads lowest at $8.01, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $19.69 (bear) to $25.70 (bull), the price of $32.70 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Consumers Bancorp Inc reported revenue of $37.9M in FY2025 versus $30.2M in FY2021, a compound +5.9%/yr. Reported net income was $8.7M in FY2025, compounding −0.9%/yr from FY2021.
Key figures
Market cap $103M · P/E ratio 9.8 · P/S ratio 2.24 · EPS (TTM) $3.34 · Dividend yield 2.5% · Net margin 22.8% · Return on equity 13.1% · Return on assets (EBIT) 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −34%, CBKM screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 43 · Market factors (momentum, volatility) 88
Revenue & earnings trend
Growth Forecast
CBKM screens 52% overvalued. Compare with DBS Group →
Compare Consumers Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.48 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.20 | HK$62.32 | +22% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Intesa Sanpaolo S.p.A ISP | €6.72 | €4.04 | −40% |
| Mizuho Financial Group MFG | $10.56 | $6.79 | −36% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| HDFC Bank Limited HDFCBANK | ₹728.90 | ₹406.44 | −44% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Consumers Bancorp Inc
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