Company research
CONSUMERS BANCORP INC /OH/
CIK 1006830Updated Sep 24, 2026
SecurityCBKM · OTC · equity
CBKM price & chart
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Financials
FY 2026 · USDSource
Source
Source
balance sheet · annual statements
| Line item | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 1,280,373,000Source | 1,165,008,000Source | 1,097,089,000Source | 1,060,024,000Source |
| Property, Plant and Equipment, NetUSD | 19,147,000Source | 18,688,000Source | 16,927,000Source | 17,182,000Source |
| GoodwillUSD | 2,452,000Source | 2,452,000Source | 2,452,000Source | 2,452,000Source |
| Operating Lease, Right-of-Use AssetUSD | 757,000Source | 647,000Source | 777,000Source | — |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 1,190,488,000Source | 1,088,737,000Source | 1,033,404,000Source | 1,004,540,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 21,934,000Source | 21,590,000Source | 21,178,000Source | 20,769,000Source |
| Retained Earnings (Accumulated Deficit)USD | 86,338,000Source | 77,818,000Source | 71,534,000Source | 65,485,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -17,859,000Source | -22,554,000Source | -28,332,000Source | -29,961,000Source |
| Stockholders' Equity Attributable to ParentUSD | 89,885,000Source | 76,271,000Source | 63,685,000Source | 55,484,000Source |
| Liabilities and EquityUSD | 1,280,373,000Source | 1,165,008,000Source | 1,097,089,000Source | 1,060,024,000Source |
cash flow · annual statements
| Line item | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Deferred Income Tax Expense (Benefit)USD | -148,000Source | -458,000Source | -242,000Source | -96,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 11,189,000Source | 7,934,000Source | 9,376,000Source | 13,316,000Source |
| Cash flows from investing activities: | ||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | 0Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -104,489,000Source | -61,697,000Source | -30,446,000Source | -92,219,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 1,635,000Source | 3,071,000Source | 983,000Source | 1,821,000Source |
| Cash flows from financing activities: | ||||
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 99,655,000Source | 55,948,000Source | 27,038,000Source | 69,706,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 2,644,000Source | 2,383,000Source | 2,246,000Source | 2,095,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | 6,355,000Source | 2,185,000Source | 5,968,000Source | -9,197,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 19,814,000Source | 19,181,000Source | 16,655,000Source | 6,929,000Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 57,000Source | 56,000Source | 57,000Source | 56,000Source |
| Bank Owned Life Insurance IncomeUSD | 477,000Source | 391,000Source | 278,000Source | 263,000Source |
| Debt Securities, Realized Gain (Loss)USD | -8,000Source | 0Source | -80,000Source | 14,000Source |
| DepreciationUSD | 1,286,000Source | 1,157,000Source | 1,095,000Source | 1,051,000Source |
| Depreciation, Amortization and Accretion, NetUSD | — | — | 527,000Source | 818,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | — | 11,000Source | -5,000Source | -14,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | 8,000Source | 0Source | 0Source | 0Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | 8,000Source | 11,000Source | -5,000Source | -14,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 990,000Source | 1,137,000Source | — | — |
| Gain (Loss) on Sale of Mortgage LoansUSD | 521,000Source | 400,000Source | 347,000Source | 345,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | 0Source | 7,000Source | -27,000Source | 0Source |
| GoodwillUSD | 2,452,000Source | 2,452,000Source | 2,452,000Source | 2,452,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | 2,013,000Source | 1,657,000Source | 1,845,000Source | 2,248,000Source |
| Net Income (Loss) Attributable to ParentUSD | 11,164,000Source | 8,667,000Source | 8,580,000Source | 10,674,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 11,164,000Source | 8,667,000Source | 8,580,000Source | 10,674,000Source |
| Operating Lease, ExpenseUSD | 271,000Source | 230,000Source | 245,000Source | 254,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 41,477,000Source | 38,548,000Source | 21,790,000Source | 21,322,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 1,195,000Source | 1,147,000Source | 619,000Source | — |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 990,000Source | 1,137,000Source | 556,000Source | 855,000Source |
| Revenue from Contract with Customer, Including Assessed TaxUSD | 4,913,000Source | 4,648,000Source | 4,383,000Source | 4,139,000Source |
income statement · annual statements
| Line item | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 13,177,000Source | 10,324,000Source | 10,425,000Source | 12,922,000Source |
| Income Tax Expense (Benefit)USD | 2,013,000Source | 1,657,000Source | 1,845,000Source | 2,248,000Source |
| Net Income (Loss) Attributable to ParentUSD | 11,164,000Source | 8,667,000Source | 8,580,000Source | 10,674,000Source |
| Earnings Per Share, BasicUSD per share | 3.55Source | 2.77Source | 2.76Source | 3.45Source |
| Earnings Per Share, DilutedUSD per share | 3.55Source | 2.77Source | 2.76Source | 3.45Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 3,147,442Source | 3,133,305Source | 3,109,263Source | 3,090,187Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 3,147,826Source | 3,133,326Source | 3,109,263Source | 3,090,187Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 57,000Source | 56,000Source | 57,000Source | 56,000Source |
| Bank Owned Life Insurance IncomeUSD | 477,000Source | 391,000Source | 278,000Source | 263,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 0.84Source | 0.76Source | 0.72Source | 0.68Source |
| Current Income Tax Expense (Benefit)USD | 2,161,000Source | 2,115,000Source | 2,087,000Source | 2,344,000Source |
| Debt Securities, Gain (Loss)USD | -8,000Source | 0Source | -80,000Source | 14,000Source |
| Debt Securities, Realized Gain (Loss)USD | -8,000Source | 0Source | -80,000Source | 14,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | 8,000Source | 0Source | 0Source | 0Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 990,000Source | 1,137,000Source | — | — |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Interest ExpenseUSD | — | — | — | 7,224,000Source |
| InterestExpenseOperatingUSD | 19,649,000Source | 18,942,000Source | 17,226,000Source | — |
| Interest Income (Expense), NetUSD | 39,779,000Source | 34,107,000Source | 31,992,000Source | 33,715,000Source |
| Labor and Related ExpenseUSD | 17,882,000Source | 15,591,000Source | 14,416,000Source | 14,020,000Source |
| Marketing and Advertising ExpenseUSD | 900,000Source | 821,000Source | 731,000Source | 740,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 11,164,000Source | 8,667,000Source | 8,580,000Source | 10,674,000Source |
| Operating Lease, ExpenseUSD | 271,000Source | 230,000Source | 245,000Source | 254,000Source |
| Revenue from Contract with Customer, Including Assessed TaxUSD | 4,913,000Source | 4,648,000Source | 4,383,000Source | 4,139,000Source |