
Last update at 2026-06-22T17:19:00Z
Source: TradingView
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| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Income before tax | 10.32M | 10.43M | 12.92M | 13.53M | 10.84M |
| Minority interest | - | - | - | - | - |
| Net income | 8.67M | 8.58M | 10.67M | 11.19M | 8.99M |
| Selling general administrative | 17.51M | 16.30M | 15.73M | 15.67M | 19.36M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | - | - | - | - | 30.20M |
| Reconciled depreciation | 1.21M | 1.15M | 1.11M | 1.04M | 0.97M |
| Ebit | - | - | - | - | 10.84M |
| Ebitda | - | - | - | - | - |
| Depreciation and amortization | - | - | - | - | - |
| Non operating income net other | - | - | - | - | - |
| Operating income | - | - | - | - | 10.84M |
| Other operating expenses | - | - | 3.87M | 3.58M | 3.14M |
| Interest expense | 18.94M | 17.23M | 7.22M | 1.41M | 1.90M |
| Tax provision | 1.66M | 1.84M | 2.25M | 2.34M | 1.85M |
| Interest income | 53.05M | 49.22M | 40.94M | 34.16M | 28.48M |
| Net interest income | 34.11M | 31.99M | 33.72M | 32.75M | 26.58M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | - | - | 2.25M | 2.34M | 1.85M |
| Total revenue | 37.94M | 35.44M | 38.46M | 37.48M | 30.20M |
| Total operating expenses | - | - | - | - | 19.36M |
| Cost of revenue | - | - | - | - | - |
| Total other income expense net | - | - | - | - | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 8.67M | 8.58M | 10.67M | 11.19M | 8.99M |
| Net income applicable to common shares | - | - | 10.67M | 11.19M | 8.99M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Total assets | 1165.01M | 1097.09M | 1060.02M | 977.31M | 833.80M |
| Intangible assets | 0.30M | 0.36M | 0.41M | 0.47M | 0.23M |
| Earning assets | - | - | - | - | - |
| Other current assets | - | - | 3.79M | 3.87M | 5.83M |
| Total liab | 1088.74M | 1033.40M | 1004.54M | 923.34M | 763.90M |
| Total stockholder equity | 76.27M | 63.69M | 55.48M | 53.97M | 69.90M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | - | - | - | - | 726.85M |
| Common stock | - | - | 20.77M | 20.29M | 20.01M |
| Capital stock | 21.59M | 21.18M | 20.77M | 20.29M | 20.01M |
| Retained earnings | 77.82M | 71.53M | 65.48M | 56.91M | 47.66M |
| Other liab | - | - | 15.43M | 7.18M | 5.47M |
| Good will | 2.45M | 2.45M | 2.45M | 2.45M | 0.84M |
| Other assets | - | - | 722.43M | 622.12M | 570.41M |
| Cash | 19.38M | 17.71M | 14.26M | 24.73M | 18.53M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | - | - | 980.23M | 907.91M | 763.90M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 3.17M | 6.00M | 20.91M | - | 3.32M |
| Short term debt | - | - | - | - | 30.25M |
| Short long term debt | 0.00000M | 10.00M | 26.37M | - | - |
| Short long term debt total | - | - | - | - | - |
| Other stockholder equity | - | - | -29.96100M | -22.10600M | 3.55M |
| Property plant equipment | - | - | 17.18M | 16.52M | 15.79M |
| Total current assets | - | - | 18.17M | 28.60M | 27.18M |
| Long term investments | 279.43M | 271.24M | 286.96M | 304.62M | 777.17M |
| Net tangible assets | - | - | 52.62M | 51.05M | 68.83M |
| Short term investments | 161.73M | 264.80M | 279.61M | 296.35M | 207.76M |
| Net receivables | - | 23.61M | 22.97M | 10.18M | 2.83M |
| Long term debt | 22.55M | 13.71M | 8.78M | 8.26M | 18.05M |
| Inventory | - | - | 0.12M | - | - |
| Accounts payable | - | - | 952.53M | 886.56M | 6.80M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | - | - | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | 20.01M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | 47.66M |
| Treasury stock | - | - | - | - | -1.32400M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | - | - | - | - | 12.60M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | - | - | - | - | 806.62M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Investments | -0.85700M | 17.17M | 8.18M | -104.73800M | -87.46400M |
| Change to liabilities | - | - | 0.00000M | 0.00000M | 0.00000M |
| Total cashflows from investing activities | - | - | -92.21900M | -65.22200M | -89.00100M |
| Net borrowings | -5.65400M | 8.57M | 5.59M | -0.70200M | -7.85100M |
| Total cash from financing activities | 55.95M | 27.04M | 69.71M | 52.70M | 83.86M |
| Change to operating activities | - | - | -0.18000M | 0.32M | 1.29M |
| Net income | 8.67M | 8.58M | 10.67M | 11.19M | 8.99M |
| Change in cash | 2.19M | 5.97M | -9.19700M | 2.42M | 8.87M |
| Begin period cash flow | 17.72M | 11.76M | 20.95M | 18.53M | 9.66M |
| End period cash flow | 19.91M | 17.72M | 11.76M | 20.95M | 18.53M |
| Total cash from operating activities | 7.93M | 9.38M | 13.32M | 14.95M | 14.01M |
| Issuance of capital stock | - | - | - | 0.17M | - |
| Depreciation | 1.21M | 1.15M | 1.11M | 1.04M | 1.59M |
| Other cashflows from investing activities | - | - | 0.36M | -0.05300M | -0.38300M |
| Dividends paid | -2.38300M | -2.24600M | -2.09500M | -1.94900M | 1.78M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | - | - | - | - | - |
| Other cashflows from financing activities | - | - | 65.97M | 55.17M | 93.49M |
| Change to netincome | - | - | 1.72M | 2.39M | 2.18M |
| Capital expenditures | 3.07M | 0.98M | 1.82M | 1.48M | 1.15M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | 1.25M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | 8.87M |
| Change in working capital | -2.69600M | -1.22800M | -0.44300M | 0.06M | 1.29M |
| Stock based compensation | - | - | - | - | - |
| Other non cash items | 0.09M | -0.11700M | 0.40M | 0.30M | 2.38M |
| Free cash flow | 4.86M | 8.39M | 11.49M | 13.47M | 12.86M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CBKM Consumers Bancorp Inc |
-0.01 0.04% | 28.49 | 8.63 | 13.23 | 1.87 | 0.95 | 2.16 |
| HDB HDFC Bank Limited ADR |
0.03 0.12% | 25.09 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.32 1.06% | 29.79 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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.
614 East Lincoln Way, Minerva, OH, United States, 44657
| Name | Title | Year Born |
|---|---|---|
| Mr. Ralph J. Lober II | Pres, CEO & Director | 1967 |
| Ms. Renee K. Wood | Exec. VP, CFO, Company Sec. & Treasurer | 1971 |
| Mr. Scott E. Dodds | Exec. VP & Sr. Loan Officer | 1963 |
| Mr. Derek G. Williams | Sr. VP of Retail Banking & Operations | 1959 |
| Ms. Kimberly K. Chuckalovchak | Sr. VP & Chief Information Officer | 1971 |
| Christina Montgomery | VP of Risk & Compliance Officer | NA |
| Stephen Badman | VP & Marketing Director | NA |
| Ms. Hillary Hudak | Sr. VP & Chief People Officer | 1971 |
| Ms. Vickie L. Ramsier | Sr. VP & Bus. Banking Officer | 1949 |
| Ms. Suzanne N. Mikes | Sr. VP & Chief Credit Officer | 1979 |
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