Consumers Bancorp Inc (CBKM) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Consumers Bancorp Inc stock $26.45, price $31.55, that is 16.2% below the price, quality 55 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Consumers Bancorp Inc
CBKM · USOur calculation puts a fair price 16% below what the stock costs today.
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. As of Nov 8, 2026.
How to read this chart
60‑month range $10.37 – $33.95 · fair‑value band $24.02 – $32.12 · the $31.55 price screens above the $26.45 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 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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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 $31.55, while our model-based Fair Value estimate is $26.45, 16% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $37.16 per share, and 1 of the 6 models we run sit above the $31.55 price.
Bear case: the Dividend Discount group reads lowest at $9.26, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $24.02 (bear) to $32.12 (bull), the price of $31.55 sits inside 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 55/100 (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 $44.1M in FY2026 versus $37.5M in FY2022, a compound +4.1%/yr. Reported net income was $11.2M in FY2026, compounding −0.1%/yr from FY2022.
Key figures
Market cap $99.6M Micro · P/E ratio 8.6 · P/S ratio 2.17 · EPS (TTM) $3.67 · Dividend yield 2.7% · Net margin 25.2% · Return on equity 14.1% · Return on assets (EBIT) 1.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 39% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −16%, CBKM screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 7 officers or directors bought shares worth $122,554, most recently on Oct 28, 2026. Buying cluster
- BuyDerek G WilliamsSVP, Retail Operations & Sales4× since Dec 15, 2025: 470 shares, avg. $27.33$12,845Oct 28, 2026
- BuyRalph J Lober IICEO & President, Director11× since Dec 5, 2025: 3,636 shares, avg. $27.84$101,209Oct 26, 2026
- BuySuzanne N MikesEVP, Chief Credit Officer2× since Dec 23, 2025: 200 shares, avg. $28.05$5,610Aug 21, 2026
- BuyDavid R BickertonDirector5× since Dec 10, 2025: 1,050 shares, avg. $27.48$28,850Aug 11, 2026
- BuyJohn W ParkinsonDirector4× since Dec 24, 2025: 1,570 shares, avg. $27.20$42,698Jun 16, 2026
- BuyDavid E BenavidesSVP, Senior Loan Officer250 shares at $26.80$6,700May 20, 2026
- BuyAnn M GanoDirector500 shares at $27.45$13,725May 12, 2026
- BuyJoseph A GerzinaDirector1,500 shares at $27.00$40,500May 1, 2026
- BuyFrank L PadenDirector2× since Dec 16, 2025: 451 shares, avg. $24.94$11,259Mar 13, 2026
- BuyRichard T Kiko JrDirector2× since Dec 24, 2025: 638 shares, avg. $25.25$16,099Mar 13, 2026
Plus 4 more entries from the last 12 months.
Plus 26 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
CBKM screens overvalued: fair value 16% below the price. Compare with China Merchants Bank Co →
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 · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EV/EBITDA by industry
- Dividend yield by industry
- Piotroski F-Score screener with fair value
- 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 | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CBKM |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CBKM |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CBKM |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CBKM |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CBKM |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CBKM |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs CBKM |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CBKM |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CBKM |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CBKM |
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Key figures of Consumers Bancorp Inc
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