What is CONSUMERS BANCORP INC's earnings per share (EPS)?

CONSUMERS BANCORP INC (CBKM) reported diluted earnings per share of $3.55 for fiscal year 2026. This represents a 28.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

CONSUMERS BANCORP INC (CBKM) Financials

CBKM

FY2026 annual

Revenue $45.8M +15.9% YoY

Net Income $11.2M +28.8% YoY

EPS (Diluted) $3.55 +28.2% YoY

Free Cash Flow $9.6M +96.5% YoY

Market Cap $100.8M as of Oct 21, 2026

Price / Sales 2.2x on $45.8M revenue, FY2026

Price / Earnings 9.0x on $11.2M net income, FY2026

Price / Book 1.1x on $89.9M equity, Q4 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2026, ended Jun 30, 2026 Reported Sep 10, 2026 Currency USD FYE June

Newest figures come from the 10-K for FY2026, filed Sep 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CBKM SEC filings page.

CONSUMERS BANCORP INC (CBKM) reported $45.8M in revenue for fiscal year 2026, up 15.9% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CBKM FY2026 2026-10-04

The bank expanded its asset base while earnings recovered, converting profit to cash and funding growth mainly through balance-sheet financing.

Operating cash flow reached $11.2M, essentially matching net income of $11.2M, which indicates reported earnings were converting into cash rather than being dominated by accruals. Free cash flow was $9.6M against capital expenditures of $1.6M, so cash retained after reinvestment remained close to operating generation.

Equity rose from $76.3M in FY2025 to $89.9M in FY2026, improving the cushion beneath a rapidly expanding balance sheet. The reported debt-to-equity ratio fell from 14.3x to 13.2x, so leverage eased even as total assets increased.

Investing cash flow was an outflow of $104.5M in FY2026, nearly offset by financing inflow of $100.0M. Because capital expenditures were only $1.6M, the asset expansion appears tied to funding flows and balance-sheet deployment rather than a capital-intensive physical buildout.

Financial Health Signals

Financial health score not available

CONSUMERS BANCORP INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/6

CONSUMERS BANCORP INC passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.00x

For every $1 of reported earnings, CONSUMERS BANCORP INC generates $1.00 in operating cash flow ($11.2M OCF vs $11.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$11.8M

YoY+11.2%

QoQ+3.0%

5Y CAGR+8.7%

10Y CAGR+10.9%

CONSUMERS BANCORP INC generated $11.8M in revenue in Q4 2026. This represents an increase of 11.2% from the same quarter a year earlier. Against the prior quarter it is up 3.0%.

Net Income

$3.0M

YoY+29.0%

QoQ+5.0%

5Y CAGR+8.5%

10Y CAGR+44.8%

CONSUMERS BANCORP INC reported $3.0M in net income in Q4 2026. This represents an increase of 29.0% from the same quarter a year earlier. Against the prior quarter it is up 5.0%.

EPS (Diluted)

$0.94

YoY+28.8%

QoQ+4.4%

5Y CAGR+7.7%

10Y CAGR+41.1%

CONSUMERS BANCORP INC earned $0.94 per diluted share (EPS) in Q4 2026. This represents an increase of 28.8% from the same quarter a year earlier. Against the prior quarter it is up 4.4%.

EBITDA

Not reported for Q4 2026.

Cash & Balance Sheet

Free Cash Flow

$3.3M

YoY+173.4%

QoQ+335.2%

5Y CAGR+12.2%

10Y CAGR+26.9%

CONSUMERS BANCORP INC generated $3.3M in free cash flow in Q4 2026, representing cash available after capex. This represents an increase of 173.4% from the same quarter a year earlier. Against the prior quarter it is up 335.2%.

Dividends Per Share

$0.21

YoY+10.5%

QoQ0.0%

5Y CAGR+7.0%

CONSUMERS BANCORP INC paid $0.21 per share in dividends in Q4 2026. This represents an increase of 10.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.4%

QoQ+0.4%

5Y CAGR+0.8%

10Y CAGR+1.5%

CONSUMERS BANCORP INC had 3M shares outstanding in Q4 2026. This represents an increase of 0.4% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

Cash & Debt

Not reported for Q4 2026.

Margins & Returns

Net Margin

25.0%

YoY+3.4pp

QoQ+0.5pp

5Y change-0.2pp

10Y change+23.3pp

CONSUMERS BANCORP INC's net profit margin was 25.0% in Q4 2026, showing the share of revenue converted to profit. This is up 3.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.

Return on Equity

3.3%

YoY+0.3pp

QoQ+0.1pp

5Y change+0.5pp

10Y change+3.1pp

CONSUMERS BANCORP INC's ROE was 3.3% in Q4 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q4 2026.

Operating Margin

Not reported for Q4 2026.

Capital Allocation

Capital Expenditures

$253K

YoY-21.9%

QoQ-69.7%

5Y CAGR-18.9%

10Y CAGR-1.0%

CONSUMERS BANCORP INC invested $253K in capex in Q4 2026, funding long-term assets and infrastructure. This represents a decrease of 21.9% from the same quarter a year earlier. Against the prior quarter it is down 69.7%.

R&D Spending

Not reported for Q4 2026.

Share Buybacks

Not reported for Q4 2026.

CBKM Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CBKM quarterly income statement

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Revenue	$45.8M+15.9%	$39.6M+7.2%	$36.9M-4.1%	$38.5M+2.6%	$37.5M+20.7%	$31.0M+18.6%	$26.2M+20.9%	$21.7M+12.3%	$19.3M+8.9%	$17.7M+6.1%	$16.7M+1.9%	$16.4M+6.2%	$15.4M+4.6%	$14.7M+3.6%	$14.2M
SG&A Expenses	$17.9M+14.7%	$15.6M+8.2%	$14.4M+2.8%	$14.0M+5.7%	$13.3M+22.2%	$10.9M+13.3%	$9.6M+14.7%	$8.4M+8.6%	$7.7M+7.8%	$7.1M+2.9%	$6.9M+1.5%	$6.8M+7.4%	$6.4M+4.4%	$6.1M+10.6%	$5.5M
Interest Expense	$19.6M+3.7%	$18.9M+10.0%	$17.2M+138.5%	$7.2M+410.9%	$1.4M-25.6%	$1.9M-50.3%	$3.8M+21.1%	$3.2M+88.9%	$1.7M+50.8%	$1.1M+22.8%	$902K-5.0%	$949K-4.6%	$995K-17.2%	$1.2M-17.6%	$1.5M
Income Tax	$2.0M+21.5%	$1.7M-10.2%	$1.8M-17.9%	$2.2M-3.9%	$2.3M+26.4%	$1.9M+102.9%	$912K-10.0%	$1.0M-11.8%	$1.1M+79.3%	$641K+129.7%	$279K-61.1%	$718K+9.8%	$654K+3.2%	$634K-20.7%	$799K
Net Income	$11.2M+28.8%	$8.7M+1.0%	$8.6M-19.6%	$10.7M-4.6%	$11.2M+24.5%	$9.0M+62.6%	$5.5M-0.7%	$5.6M+55.4%	$3.6M+19.6%	$3.0M+39.5%	$2.1M-27.4%	$3.0M+4.3%	$2.8M+6.3%	$2.7M-3.4%	$2.8M
EPS (Basic)	$3.55+28.2%	$2.77+0.4%	$2.76-20.0%	$3.45-6.2%	$3.68+23.5%	$2.98+55.2%	$1.92-5.9%	$2.04+55.7%	$1.31+19.1%	$1.10+39.2%	$0.79-27.5%	$1.09+3.8%	$1.05-18.6%	$1.29-4.4%	$1.35
EPS (Diluted)	$3.55+28.2%	$2.77+0.4%	$2.76-20.0%	$3.45-6.2%	$3.68+23.5%	$2.98+55.2%	$1.92-5.9%	$2.04+55.7%	$1.31+19.1%	$1.10+39.2%	$0.79-26.9%	$1.08+2.9%	$1.05-18.6%	$1.29-4.4%	$1.35
Diluted Shares (Avg)	3M+0.5%	3M+0.8%	3M+0.6%	3M+1.7%	3M+0.7%	3M+5.0%	3M+5.2%	3M+0.2%	3M+0.1%	3M0.0%	3M0.0%	3M-99.9%	2.70B+130813.3%	2M+0.6%	2M

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Revenue	$11.8M+11.2%	$11.5M+17.4%	$11.5M+18.7%	$11.0M+16.7%	$10.6M+14.1%	$9.8M+8.3%	$9.7M+5.2%	$9.4M+1.3%
SG&A Expenses	$4.6M+13.4%	$4.5M+12.7%	$4.6M+20.4%	$4.2M+12.5%	$4.0M+11.1%	$4.0M+10.3%	$3.8M+3.7%	$3.8M+7.6%
Interest Expense	$5.1M+11.3%	$4.8M+10.3%	$4.9M+0.1%	$4.8M-5.2%	$4.5M-6.1%	$4.4M-4.2%	$4.9M+15.9%	$5.1M+42.7%
Income Tax	$517K+24.6%	$524K+91.2%	$495K+1.4%	$477K-0.6%	$415K-9.4%	$274K-37.0%	$488K+12.2%	$480K-7.2%
Net Income	$3.0M+29.0%	$2.8M+52.2%	$2.8M+20.5%	$2.6M+17.8%	$2.3M+9.0%	$1.9M-9.8%	$2.3M+13.5%	$2.2M-7.2%
EPS (Basic)	$0.94+28.8%	$0.90+52.5%	$0.87+19.2%	$0.84+16.7%	$0.73+9.0%	$0.59-10.6%	$0.73+12.3%	$0.72-7.7%
EPS (Diluted)	$0.94+28.8%	$0.90+52.5%	$0.87+19.2%	$0.84+16.7%	$0.73+9.0%	$0.59-10.6%	$0.73+12.3%	$0.72-7.7%
Diluted Shares (Avg)	N/A	3M+0.2%	3M+0.5%	3M+0.7%	N/A	3M+0.8%	3M+0.8%	3M+0.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CBKM Balance Sheet

CBKM quarterly balance sheet

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Total Assets	$1.3B+9.9%	$1.2B+6.2%	$1.1B+3.5%	$1.1B+8.5%	$977.3M+17.2%	$833.8M+12.6%	$740.8M+33.7%	$553.9M+10.2%	$502.6M+9.8%	$457.9M+6.4%	$430.4M+6.5%	$404.0M+5.6%	$382.5M+11.4%	$343.5M+2.6%	$334.8M
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$9.5M+21.7%	$7.8M-21.6%	$9.9M-2.6%	$10.2M-3.4%	$10.5M-5.2%	$11.1M+18.9%	$9.4M-31.9%	$13.7M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M+193.3%	$836K0.0%	$836K	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.2B+9.3%	$1.1B+5.4%	$1.0B+2.9%	$1.0B+8.8%	$923.3M+20.9%	$763.9M+12.7%	$677.6M+34.8%	$502.8M+9.6%	$458.9M+10.7%	$414.3M+7.2%	$386.6M+6.6%	$362.5M+5.9%	$342.3M+8.5%	$315.3M+2.8%	$306.9M
Total Equity	$89.9M+17.8%	$76.3M+19.8%	$63.7M+14.8%	$55.5M+2.8%	$54.0M-22.8%	$69.9M+10.5%	$63.2M+23.6%	$51.2M+16.9%	$43.8M+0.5%	$43.5M-0.6%	$43.8M+5.6%	$41.5M+3.1%	$40.2M+42.9%	$28.1M+0.9%	$27.9M
Retained Earnings	$86.3M+10.9%	$77.8M+8.8%	$71.5M+9.2%	$65.5M+15.1%	$56.9M+19.4%	$47.7M+17.8%	$40.5M+10.9%	$36.5M+12.8%	$32.3M+7.4%	$30.1M+5.9%	$28.4M+3.1%	$27.6M+6.4%	$25.9M+6.2%	$24.4M+7.4%	$22.7M

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Total Assets	$1.3B+9.9%	$1.2B+9.2%	$1.2B+9.1%	$1.2B+5.7%	$1.2B+6.2%	$1.1B+3.9%	$1.1B+2.8%	$1.1B+6.3%
Goodwill	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%
Total Liabilities	$1.2B+9.3%	$1.2B+8.6%	$1.1B+8.1%	$1.1B+5.3%	$1.1B+5.4%	$1.1B+3.1%	$1.0B+2.3%	$1.1B+4.2%
Total Equity	$89.9M+17.8%	$86.9M+18.2%	$86.1M+23.9%	$81.6M+11.4%	$76.3M+19.8%	$73.5M+18.3%	$69.5M+9.5%	$73.3M+47.9%
Retained Earnings	$86.3M+10.9%	$84.0M+10.4%	$81.9M+9.4%	$79.8M+9.0%	$77.8M+8.8%	$76.1M+8.8%	$74.9M+9.3%	$73.2M+9.1%

Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CBKM Cash Flow Statement

CBKM quarterly cash flow statement

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Operating Cash Flow	$11.2M+41.0%	$7.9M-15.4%	$9.4M-29.6%	$13.3M-10.9%	$14.9M+6.7%	$14.0M+150.5%	$5.6M-12.4%	$6.4M+9.1%	$5.9M+8.8%	$5.4M+39.7%	$3.9M-31.3%	$5.6M+40.5%	$4.0M-28.1%	$5.5M+19.6%	$4.6M
Depreciation & Amortization	$1.3M+10.7%	$1.2M+130.2%	$527K-35.6%	$818K-43.5%	$1.4M+133.3%	$621K+75.9%	$353K-55.0%	$784K-18.6%	$963K-11.4%	$1.1M-0.5%	$1.1M+8.2%	$1.0M+7.1%	$942K-33.8%	$1.4M+4.1%	$1.4M
Capital Expenditures	$1.6M-46.8%	$3.1M+212.4%	$983K-46.0%	$1.8M+23.3%	$1.5M+28.0%	$1.2M+132.2%	$497K-70.3%	$1.7M+142.9%	$688K+15.1%	$598K-77.3%	$2.6M-51.8%	$5.5M+251.3%	$1.6M+202.7%	$514K-61.8%	$1.3M
Free Cash Flow	$9.6M+96.5%	$4.9M-42.1%	$8.4M-27.0%	$11.5M-14.7%	$13.5M+4.8%	$12.9M+152.3%	$5.1M+8.1%	$4.7M-8.7%	$5.2M+8.0%	$4.8M+292.9%	$1.2M+775.5%	$139K-94.3%	$2.4M-51.6%	$5.0M+52.8%	$3.3M
Investing Cash Flow	-$104.5M-69.4%	-$61.7M-102.6%	-$30.4M+67.0%	-$92.2M-41.4%	-$65.2M+26.7%	-$89.0M+21.3%	-$113.0M-141.8%	-$46.8M+8.2%	-$50.9M-58.9%	-$32.1M-19.2%	-$26.9M-10.8%	-$24.3M+34.2%	-$36.9M-111.3%	-$17.4M+51.2%	-$35.8M
Financing Cash Flow	$99.7M+78.1%	$55.9M+106.9%	$27.0M-61.2%	$69.7M+32.3%	$52.7M-37.2%	$83.9M-22.1%	$107.7M+156.0%	$42.1M-2.1%	$43.0M+62.7%	$26.4M+16.5%	$22.7M+25.4%	$18.1M-47.8%	$34.6M+361.4%	$7.5M-75.8%	$31.0M
Dividends Paid	$2.6M+11.0%	$2.4M+6.1%	$2.2M+7.2%	$2.1M+7.5%	$1.9M+9.2%	$1.8M+14.9%	$1.6M+9.4%	$1.4M+5.2%	$1.4M+3.3%	$1.3M-0.2%	$1.3M-0.1%	$1.3M-0.2%	$1.3M+32.2%	$993K+18.6%	$837K

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Operating Cash Flow	$3.6M+132.3%	$1.6M-21.5%	$3.5M+8.2%	$2.5M+122.0%	$1.5M-6.3%	$2.0M+7.3%	$3.2M+47.5%	$1.1M-68.7%
Capital Expenditures	$253K-21.9%	$836K+102.9%	$227K-82.7%	$319K-68.8%	$324K+88.4%	$412K+55.5%	$1.3M+514.0%	$1.0M+207.5%
Free Cash Flow	$3.3M+173.4%	$764K-53.0%	$3.2M+71.0%	$2.2M+1731.4%	$1.2M-17.4%	$1.6M-0.5%	$1.9M-3.3%	$121K-96.4%
Investing Cash Flow	-$32.6M+26.5%	-$30.3M-341.2%	-$28.0M-1490.0%	-$13.7M-55.8%	-$44.3M-200.1%	-$6.9M-935.6%	-$1.8M+89.9%	-$8.8M-1036.4%
Financing Cash Flow	$37.9M+34.4%	$24.5M+29.7%	$19.3M+341.6%	$17.9M+6.4%	$28.2M+607.9%	$18.9M+66.4%	-$8.0M-195.1%	$16.9M+411.9%
Dividends Paid	$661K+10.5%	$661K+11.1%	$661K+10.9%	$661K+11.3%	$598K+6.4%	$595K+5.7%	$596K+6.2%	$594K+6.1%

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Share Buybacks.

CBKM Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CBKM quarterly financial ratios

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Net Margin	24.3%+2.4pp	21.9%-1.4pp	23.3%-4.5pp	27.8%-2.1pp	29.9%+0.9pp	28.9%+7.8pp	21.1%-4.6pp	25.7%+7.1pp	18.6%+1.7pp	16.9%+4.1pp	12.9%-5.2pp	18.1%-0.3pp	18.4%+0.3pp	18.1%-1.3pp	19.4%
Return on Equity	12.4%+1.1pp	11.4%-2.1pp	13.5%-5.8pp	19.2%-1.5pp	20.7%+7.9pp	12.9%+4.1pp	8.7%-2.1pp	10.9%+2.7pp	8.2%+1.3pp	6.9%+2.0pp	4.9%-2.2pp	7.1%+0.1pp	7.1%-2.4pp	9.5%-0.4pp	9.9%
Return on Assets	0.9%+0.1pp	0.7%0.0pp	0.8%-0.2pp	1.0%-0.1pp	1.1%+0.1pp	1.1%+0.3pp	0.8%-0.3pp	1.0%+0.3pp	0.7%+0.1pp	0.7%+0.1pp	0.5%-0.2pp	0.7%0.0pp	0.7%0.0pp	0.8%-0.1pp	0.8%
Debt-to-Equity	13.24-1.0x	14.27-2.0x	16.23-1.9x	18.11+1.0x	17.11+6.2x	10.93+0.2x	10.71+0.9x	9.83-0.7x	10.49+1.0x	9.52+0.7x	8.83+0.1x	8.74+0.2x	8.51-2.7x	11.21+0.2x	11.00
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	20.8%+8.6pp	12.3%-10.5pp	22.8%-7.1pp	29.9%-6.0pp	35.9%-5.5pp	41.4%+22.0pp	19.5%-2.3pp	21.8%-5.0pp	26.8%-0.2pp	27.0%+19.7pp	7.3%+6.4pp	0.9%-14.9pp	15.8%-18.4pp	34.1%+11.0pp	23.2%

Metric	Q4'2610-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q
Net Margin	25.0%+3.4pp	24.5%+5.6pp	24.0%+0.4pp	23.9%+0.2pp	21.5%-1.0pp	18.9%-3.8pp	23.6%+1.7pp	23.7%-2.2pp
Return on Equity	3.3%+0.3pp	3.2%+0.7pp	3.2%-0.1pp	3.2%+0.2pp	3.0%-0.3pp	2.5%-0.8pp	3.3%+0.1pp	3.0%-1.8pp
Return on Assets	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	13.24-1.0x	13.26-1.2x	13.08-1.9x	13.55-0.8x	14.27-2.0x	14.43-2.1x	14.98-1.0x	14.33-6.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	28.1%+16.6pp	6.6%-10.0pp	28.3%+8.6pp	20.1%+18.8pp	11.4%-4.3pp	16.6%-1.5pp	19.6%-1.7pp	1.3%-34.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Where CONSUMERS BANCORP INC Ranks

Frequently Asked Questions

What is CONSUMERS BANCORP INC's annual revenue?

CONSUMERS BANCORP INC (CBKM) reported $45.8M in total revenue for fiscal year 2026. This represents a 15.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is CONSUMERS BANCORP INC's revenue growing?

CONSUMERS BANCORP INC (CBKM) revenue grew by 15.9% year-over-year, from $39.6M to $45.8M in fiscal year 2026.

Is CONSUMERS BANCORP INC profitable?

Yes, CONSUMERS BANCORP INC (CBKM) reported a net income of $11.2M in fiscal year 2026, with a net profit margin of 24.3%.

What is CONSUMERS BANCORP INC's net profit margin?

CONSUMERS BANCORP INC (CBKM) had a net profit margin of 24.3% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

Does CONSUMERS BANCORP INC pay dividends?

Yes, CONSUMERS BANCORP INC (CBKM) paid $0.84 per share in dividends during fiscal year 2026.

What is CONSUMERS BANCORP INC's return on equity (ROE)?

CONSUMERS BANCORP INC (CBKM) has a return on equity of 12.4% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.

What is CONSUMERS BANCORP INC's free cash flow?

CONSUMERS BANCORP INC (CBKM) generated $9.6M in free cash flow during fiscal year 2026. This represents a 96.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is CONSUMERS BANCORP INC's operating cash flow?

CONSUMERS BANCORP INC (CBKM) generated $11.2M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

What are CONSUMERS BANCORP INC's total assets?

CONSUMERS BANCORP INC (CBKM) had $1.3B in total assets as of fiscal year 2026, including both current and long-term assets.

What are CONSUMERS BANCORP INC's capital expenditures?

CONSUMERS BANCORP INC (CBKM) invested $1.6M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

How many shares does CONSUMERS BANCORP INC have outstanding?

CONSUMERS BANCORP INC (CBKM) had 3M shares outstanding as of fiscal year 2026.

What is CONSUMERS BANCORP INC's debt-to-equity ratio?

CONSUMERS BANCORP INC (CBKM) had a debt-to-equity ratio of 13.24 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is CONSUMERS BANCORP INC's return on assets (ROA)?

CONSUMERS BANCORP INC (CBKM) had a return on assets of 0.9% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

What is CONSUMERS BANCORP INC's P/E ratio?

CONSUMERS BANCORP INC (CBKM) trades at 9.0x earnings, its market capitalization divided by net income of $11.2M net income, FY2026. The market capitalization is $100.8M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CONSUMERS BANCORP INC's price-to-sales ratio?

CONSUMERS BANCORP INC (CBKM) trades at 2.2x sales, its market capitalization divided by revenue of $45.8M revenue, FY2026. The market capitalization is $100.8M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CONSUMERS BANCORP INC's Piotroski F-Score?

CONSUMERS BANCORP INC (CBKM) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are CONSUMERS BANCORP INC's earnings high quality?

CONSUMERS BANCORP INC (CBKM) has an earnings quality ratio of 1.00x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.