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MARKETS / BALCAO / CBKM
BALCAO · NATIONAL COMMERCIAL BANKS · SMALL CAP

Consumers Bancorp Inc. CBKM

16 fiscal years on record · USD · FY2025 reported · SEC filings only
9 YEARS OF DIVIDEND GROWTH
$4.9M
▲ 6.4% YoY
$11.2M
▲ 28.8% YoY
$9.6M
▲ 96.5% YoY
In brief

What this company does

Consumers National Bank is a community-oriented financial institution that offers a wide range of commercial and consumer loan and deposit products, as well as mortgage, financial planning and investment services to individuals, farmers and small and medium sized businesses in our markets. As of June 30, 2025, the Bank had 22 full-service branch locations and one loan production office. CNB Investment Co. (CNB) is a wholly-owned subsidiary of the Bank formed in November 2024 for the primary purpose of investing in municipal securities and is disclosed as part of the Bank.

Written from the business description in Consumers Bancorp, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 5 September 2025. Every sentence was checked against that document before publication.

Growth
USD 4.9M
Revenue, FY2025 · full 16-year series below
Revenue $M Net income $M
FY2025 · Revenue 4.9 · Net income 11.2
4M8M201020122014201620182020202220242025
Compound annual growth
+5.9%
+7.5%
+1.5%
+4.4%
+17.9%
+11.3%
+1.0%
+3.6%
+16.2%
+7.3%
+7.3%
+8.1%
+8.2%
+7.3%
+8.0%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +7.5% a year over five years — but profit grew slower: net income at +4.4%, earnings per share at +3.6%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
227 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 268.2% · Net 227.2%
100%200%300%201020122014201620182020202220242025
ROE
FY2025 · ROE 13.4%
5%10%15%201020122014201620182020202220242025
Gross margin—
Operating margin268.2%
Net margin227.2%
Return on assets0.9%
EBITDAUSD 14.5M

Each USD of equity produced 13 cents of profit this year.

Cash & shareholders
USD 2.6M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 9.6
5M10M201020122014201620182020202220242025
Net buybacks $M Dividends $M
FY2025 · Dividends 2.6 · Net buybacks —
1M2M201020122014201620182020202220242025
Dividends paidUSD 2.6M
Net buybacks—
Share of profit23.7%
Consecutive raises9 years

USD 2.6M in dividends — 24% of the year's profit went back to shareholders.

Total assetsUSD 1.3B
EquityUSD 89.9M
Gross debtUSD 29.2M
DepositsUSD 1.1B

Equity funds 7% of total assets.

The 16-year record
16 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 2025202420232022202120202019201820172016201520142013201220112010
Revenue $B0.00.00.00.00.00.00.00.00.0·······
Operating income $B0.00.00.00.00.00.0··········
EBITDA $B0.00.00.00.00.00.0··········
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
EPS, diluted $3.552.772.763.453.682.981.922.041.311.100.791.081.051.291.351.10
Dividend / sh $0.840.760.720.680.640.590.540.520.490.48·0.480.480.480.440.41
Payout %24272620172028263844614446373337
ROE %13.412.414.419.518.113.59.711.78.26.95.07.28.39.510.48.9

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 48 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 9 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityNational Commercial Banks
Listed onOTC market
Incorporated inOhio
Fiscal year endsJune 30
SEC categorysmaller reporting company
Data on record since2010

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