CBKMOTCNational Commercial BanksFiscal year ends June 30
CONSUMERS BANCORP INC /OH/
Financials through Q4 FY2026, quarter ended Jun 30, 2026Last filing: 10-K on Sep 10, 2026
$31.89+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $100.31M
- P/E (TTM)
- 9.0
- Dividend yield
- 2.63%
Margins
Share of revenue, fiscal years 2012 to 2026
Net margin
227.2%−36.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2026
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +6.4% | +5.9% | +7.5% | -11.5% | |
| Net income | +28.8% | +1.5% | +4.4% | +17.9% | |
| EPS, diluted | +28.2% | +1.0% | +3.6% | +16.2% | |
| Free cash flow | +96.5% | -6.0% | -5.8% | +22.9% | |
| Dividend per share | +10.5% | +7.3% | +7.3% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2021 | FY2026 | Trend |
|---|---|---|---|---|
| Return on equity | 6.9% | 13.5% | 13.4% | |
| Return on assets | 0.7% | 1.1% | 0.9% | |
| Capex to revenue | 3.4% | 33.8% | 33.3% | |
| Diluted shares | 3M | 3M | 3M |
Where the cash went
Fiscal 2022 to 2026, five years combined
Consumers Bancorp generated $56.76M from operations and spent $20.30M on capital expenditure, dividends and share buybacks. 44% of that went back into the business.
Generated
$56.76M
Used
$20.30M
Capital expenditure$8.99M44%Dividends$11.32M56%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin227.2%
×Asset turnover0.00×
×Equity multiplier14.72×
=Return on equity, FY202613.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2026 | 227.2% | 0.00× | 14.72× | 13.4% |
| FY2025 | 187.7% | 0.00× | 16.16× | 12.4% |
| FY2024 | 195.8% | 0.00× | 18.10× | 14.4% |
| FY2023 | 257.9% | 0.00× | 18.61× | 19.5% |
| FY2022 | 289.6% | 0.00× | 14.62× | 18.1% |
| FY2021 | 263.2% | 0.00× | 11.83× | 13.5% |
| FY2020 | 171.9% | 0.00× | 11.32× | 9.7% |
| FY2019 | 186.9% | 0.01× | 11.13× | 11.7% |
| FY2018 | 131.6% | 0.01× | 11.00× | 8.2% |
| FY2017 | 16.9% | 0.04× | 10.17× | 6.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2026 against fiscal 2025
5of 6 tests passed in fiscal 2026. Some tests lack the figures they need.
- ProfitableNet income above zero$11.16M
- Cash generatingOperating cash flow above zero$11.19M
- Return on assets improvedROA up on the prior year0.8% → 1.0%
- Earnings backed by cashOperating cash flow above net income$11.19M vs $11.16M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise3M → 3M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00