📊 CBKM Key Takeaways
Investment Thesis
Consumers Bancorp faces severe operational challenges with a catastrophic 91.2% YoY revenue decline, indicating fundamental business deterioration or accounting adjustments. Despite maintaining profitability with an 18.5% net margin, the extremely low ROA of 0.4% and ROE of 6.3% suggest poor capital efficiency and asset quality issues typical of distressed financial institutions. The weak interest coverage ratio of 0.5x raises concerns about the sustainability of current profitability levels.
CBKM Strengths
- Positive free cash flow of 5.5M with healthy 18.7% FCF margin demonstrates cash generation capability
- Maintained profitability with 5.4M net income despite massive revenue contraction
- Zero debt-to-equity ratio eliminates financial leverage risk and provides balance sheet stability
CBKM Risks
- Catastrophic 91.2% YoY revenue decline indicates severe operational or structural problems requiring urgent investigation
- Critically low ROA of 0.4% and ROE of 6.3% signal severe asset quality issues or non-performing loan problems common in troubled banks
- Interest coverage ratio of 0.5x suggests current profitability may be unsustainable and vulnerable to margin compression
Key Metrics to Watch
- Non-performing asset ratio and loan loss provisions to assess actual asset quality
- Core deposit trends and net interest margin sustainability
- Regulatory capital ratios and any enforcement actions or consent orders
CBKM Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CBKM Profitability Ratios
CBKM vs Finance Sector
How CONSUMERS BANCORP INC /OH/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CBKM Balance Sheet & Liquidity
CBKM 5-Year Financial Trend
5-Year Trend Summary: CONSUMERS BANCORP INC /OH/'s revenue has grown significantly by 36% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.76 reflects profitable operations.
CBKM Growth Metrics (YoY)
CBKM Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2020 | $702.0K | $1.0M | $0.34 |
| Q2 2020 | $814.0K | $1.4M | $0.53 |
| Q1 2020 | $740.0K | $505.0K | $0.55 |
| Q3 2019 | $659.0K | -$522.0K | $0.33 |
| Q2 2019 | $771.0K | $241.0K | $0.24 |
| Q1 2019 | $766.0K | $505.0K | $0.34 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CBKM Capital Allocation
CBKM SEC Filings
Access official SEC EDGAR filings for CONSUMERS BANCORP INC /OH/ (CIK: 0001006830)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CBKM
What is the AI rating for CBKM?
CONSUMERS BANCORP INC /OH/ (CBKM) has an AI rating of SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CBKM's key strengths?
Positive free cash flow of 5.5M with healthy 18.7% FCF margin demonstrates cash generation capability. Maintained profitability with 5.4M net income despite massive revenue contraction.
What are the risks of investing in CBKM?
Catastrophic 91.2% YoY revenue decline indicates severe operational or structural problems requiring urgent investigation. Critically low ROA of 0.4% and ROE of 6.3% signal severe asset quality issues or non-performing loan problems common in troubled banks.
What is CBKM's revenue and growth?
CONSUMERS BANCORP INC /OH/ reported revenue of $29.2M.
Does CBKM pay dividends?
CONSUMERS BANCORP INC /OH/ pays dividends, with $1.3M distributed to shareholders in the trailing twelve months.
Where can I find CBKM SEC filings?
Official SEC filings for CONSUMERS BANCORP INC /OH/ (CIK: 0001006830) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CBKM's EPS?
CONSUMERS BANCORP INC /OH/ has a diluted EPS of $1.71.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.