Return On Equity
14%
Third-party reference; reporting period not verified
CONSUMERS BANCORP INC /OH/ financial metrics
Period Q3 2026 · Filed 10 Sep 2026
Key metrics snapshot
Return On Assets
0.93%
Third-party reference; reporting period not verified
Operating Margin
30%
Third-party reference; reporting period not verified
NetIncomeLoss YoY
29%
Trailing 12 months · Through 30 Jun 2026
Profitability
| Metric | Latest value | YoY relative change |
|---|---|---|
| Return On Equity |
14%
Third-party reference; reporting period not verified
|
|
| Return On Assets |
0.93%
Third-party reference; reporting period not verified
|
|
| Operating Margin |
30%
Third-party reference; reporting period not verified
|
Growth
| Metric | Latest value | YoY relative change |
|---|---|---|
| NetIncomeLoss YoY |
29%
Trailing 12 months · 30 Jun 2026
|
Share Metrics
| Metric | Latest value | YoY relative change |
|---|---|---|
| Entity Common Stock, Shares Outstanding |
3,156,730
Period-end balance · 10 Sep 2026
|
+0.38% |
Comparisons, sources and research notes
Sources and sharing
CBKM - CONSUMERS BANCORP INC /OH/ Financial Facts
- Context
- Latest metrics period: Q3 2026
- Latest reported value
- Return On Equity 14%
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.
Tracking and update notes
Why revisit this company facts page
Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.
- Latest source-backed update
- Latest metrics period Q3 2026
- Why come back
- Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
- Current latest metrics period: Q3 2026.
- Most recent SEC facts end date on this page: 10 Sep 2026.
- Save this filer to return when the next filing-backed metric period changes the picture.
Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.
Latest update
Latest update for CBKM - CONSUMERS BANCORP INC /OH/
Latest financial period: Q2 2026. Reopen this facts page to verify the newest reported period against the prior baseline.
Update date
10 Sep 2026
Page type
Company facts
Latest period
Q3 2026
SEC-backed company facts were refreshed from filings filed on 10 Sep 2026.
Benchmark Context
How Return On Equity compares
Return On Equity does not yet have enough prior-period data for a historical comparison on this page.
Compared with
Compared with CONSUMERS BANCORP INC /OH/'s recent history first. Same-industry peer context appears only when enough SEC-backed benchmark coverage exists.
Why this is notable
Return On Equity already has a self-history signal here, but same-industry benchmark context waits until the benchmark sample is strong enough.
- Latest comparable period on this page: Q3 2026.
- Peer context will appear when enough companies report a comparable value for this metric.
- Open the metric history first if you want to verify the exact period-to-period change.
Industry benchmark context uses SEC-reported values from the same methodology version. Latest periods may differ across companies.
How to read key metrics on this page
These short guides explain what the headline metrics mean, what to compare next, and where to open the live SEC-backed example for this company.
Plain-English Guide
How to read Net Income on this page
Net income is profit after operating costs, interest, taxes, and other non-operating items.
Why people care
It is the bottom-line profit figure many users recognize first, especially when they want to compare earnings with sales or cash flow.
How to read it
Use the same quarter or fiscal year comparison first, then check operating income or cash flow if the bottom line moved sharply.
Compare next
Compare it with operating income, EPS, and operating cash flow to see whether earnings are broad-based or driven by one-off items.
Net income can swing because of tax, financing, or accounting adjustments, so it is often less comparable than core operating metrics.
Open a live SEC-backed example
Filing notes and source
Key facts
- CBKM - CONSUMERS BANCORP INC /OH/ financial facts use SEC filings; any third-party reference is labeled separately.
- Latest metrics period on this page: Q3 2026.
- Headline metric: Return On Equity 14%.
Change
- Comparable YoY change is unavailable for this metric.
- Most recent SEC facts end date: 10 Sep 2026.
Research use
- This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
- Metric cards link to SEC history; a third-party reference may use a different or unverified reporting period.
Evidence
Based on latest 10-Q/10-K
View source filing
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.
Latest financial snapshot (2026-09-10) highlights Return On Equity 14.1%, Return On Assets 0.9%, and Operating Margin 30.1%.
Valuation Snapshot
SEC-only DCF estimate using a normalized free cash flow base, cash, debt, and reported share count when available.
DCF value materially above price
Undervalued
Medium confidence
23%
fair value gap
Fair value per share
$38.91
Market price
$31.62
CBKM - Local security
PEG ratio
2.1x
P/E 8.9x / growth 4.2%
EPS CAGR (3Y)
Enterprise value
$139.14M
Equity value
$122.47M
DCF fair value scenarios
Bear
$27.69
- Growth
- 1%
- Discount
- 11%
- Terminal
- 2%
Gap -12%
Base
$38.91
- Growth
- 4%
- Discount
- 10%
- Terminal
- 2.5%
Gap 23%
Bull
$56.56
- Growth
- 7%
- Discount
- 9%
- Terminal
- 3%
Gap 79%
Base growth: DCF Growth Assumption.
Key valuation metrics
EV/Revenue
23.7x
Local security market EV / SEC revenue
EV/EBITDA
n/a
Local security market EV / SEC EBITDA
Ebitda is unavailable or not positive
P/E
8.9x
Local security market price / SEC EPS
P/S
20.3x
Local security market cap / SEC revenue
P/B
1.1x
Local security market cap / SEC equity
PEG
2.1x
P/E / EPS CAGR
Core assumptions
- Projection
- 5 years
- FCF growth
- 4%
- Discount rate
- 10%
- Terminal growth
- 2.5%
SEC fact inputs
- DCF base FCF
- $9.55M
- Trailing SEC FCF
- Reported FCF
- $9.55M
- Net income
- $11.16M
- EBITDA
- n/a
- Cash
- $12.54M
- Debt
- $29.21M
- Equity
- $89.88M
- Shares
- 3,147,826
Data confidence notes
- Dcf base free cash flow: dcf base starts from trailing sec free cash flow
- Dcf uses fallback growth assumption because historical free cash flow growth is not positive
Compare This Company Through SEC-backed Metrics
Use these links to compare CBKM - CONSUMERS BANCORP INC /OH/ against other SEC filers on the same metric, then verify the company history from the paired facts page.
NetIncomeLoss YoY
Latest value: 29%
Financial Quality Score
Transparent 0-100 scoring model based on profitability, financial health, and growth factors.
51.0/100
Caution Confidence low
Return On Equity
14%
Metric score 35.9/100
Return On Assets
0.93%
Metric score 0.0/100
Financial Health
Strengths
Operating Margin and NetIncomeLoss YoY
Watchpoints
Return On Equity and Return On Assets
Calculation methodology and other links
How we score
This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.
| Metric | Weight | V1 threshold |
|---|---|---|
| ROIC | 20 | 5% to 20% |
| ROE | 15 | 8% to 25% |
| ROA | 10 | 2% to 10% |
| Operating Margin | 5 | 5% to 25% |
| Current Ratio | 12 | 1.0x to 2.0x |
| Quick Ratio | 8 | 0.8x to 1.5x |
| Debt to Equity | 10 | 0.3x to 2.0x (lower is better) |
| Revenue YoY | 10 | -10% to +20% |
| Net Income YoY | 10 | -10% to +20% |
How Calculated (standard_v1)
Metrics are computed with a market-consensus convention designed for cross-portal comparability.
- Operating Income / Revenues using matching TTM or quarter periods; basis shown per metric
- Current Assets / Current Liabilities (latest instant quarter)
- (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
- Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
- TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
- TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
- TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
- Revenues YoY using available TTM or quarter comparison; basis shown per metric
- Net Income YoY using available TTM or quarter comparison; basis shown per metric
CIK / security context first