Consumers Bancorp, Inc. CBKM | OTC
$31.90
$0.35 | 1.11%
TREND SIGNAL:
|2026-10-27
|2026-10-27
Company Overview:
Market Cap:
$100.96M
Trailing PE:
—
FWD PE:
—
Payout Ratio (TTM):
23.7%
52-Week Range:
$22.20 - $34.02
10 Year CBKM Performance Metrics:
Total Return (with DRIP):
129.8% (8.68% CAGR)
Total Return (no DRIP):
112.8% (7.84% CAGR)
Share Price:
96.9% (7.01% CAGR)
Yield on Cost (with DRIP):
6.34%
Total Invested:
$10,000
Total Value (with DRIP):
$22,981
Total Return $ (with DRIP):
$12,981
Dividend Increase:
425.0% (18.54% CAGR)
Dividend Yield (FWD):
2.76% ($0.88)
CBKM 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
CBKM Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
CBKM Price CAGR:1Y: 41.71%2Y: 29.92%5Y: 7.47%10Y: 7.01%
CBKM Dividend Charts
CBKM Dividend CAGR:1Y: 0.00%2Y: 4.55%5Y: 39.23%10Y: 5.75%
CBKM Dividend Payout Ratio CAGR:1Y: -14.31%2Y: -8.56%5Y: -0.72%10Y: -25.90%
CBKM Dividend to FCF Ratio CAGR:1Y: -76.00%2Y: -33.00%5Y: -3.95%10Y: -15.43%
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CBKM Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
CBKM Revenue CAGR:1Y: -23.02%2Y: -10.94%5Y: 7.55%10Y: 10.29%
CBKM EPS CAGR:1Y: 28.77%2Y: 18.45%5Y: 7.66%10Y: 41.12%
CBKM Net Income CAGR:1Y: 29.00%2Y: 18.60%5Y: 8.54%10Y: 44.80%
CBKM EBITDA CAGR:1Y: 27.66%2Y: 0.00%5Y: 8.15%10Y: 38.58%
CBKM Free Cash Flow CAGR:1Y: 360.53%2Y: 61.87%5Y: 12.19%10Y: 26.86%
CBKM Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CBKM Operating Income CAGR:1Y: 28.32%2Y: 16.49%5Y: 5.47%10Y: 38.58%
CBKM Gross Profit CAGR:1Y: 27.82%2Y: -7.05%5Y: 10.54%10Y: 12.10%
CBKM Shares Outstanding CAGR:1Y: 0.18%2Y: 0.37%5Y: 0.82%10Y: 2.60%
CBKM Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CBKM Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CBKM Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
CBKM Actual Revenue CAGR:1Y: -23.02%2Y: -10.94%5Y: 7.55%10Y: 10.29%
CBKM Actual EPS CAGR:1Y: 28.77%2Y: 18.45%5Y: 7.66%10Y: 41.12%
CBKM Actual Net Income CAGR:1Y: 29.00%2Y: 18.60%5Y: 8.54%10Y: 44.80%
CBKM Actual EBITDA CAGR:1Y: 27.66%2Y: 0.00%5Y: 8.15%10Y: 38.58%
Ratios, Profit Margins & Return on Capital:
CBKM Net Profit Margin CAGR:1Y: 6.56%2Y: 6.18%5Y: -7.82%10Y: 25.47%
CBKM Gross Profit Margin CAGR:1Y: 5.58%2Y: -16.77%5Y: -6.12%10Y: -2.86%
CBKM Price to Earnings CAGR:1Y: 9.50%2Y: 10.98%5Y: 0.00%10Y: -25.31%
CBKM Price To Sales Ratio CAGR:1Y: 17.28%2Y: 18.15%5Y: -7.72%10Y: -6.23%
CBKM Return on Capital Employed CAGR:1Y: -88.71%2Y: -30.54%5Y: -3.36%10Y: 23.71%
CBKM Return on Invested Capital CAGR:1Y: -87.08%2Y: -28.51%5Y: -3.07%10Y: 0.00%
CBKM Dividends Info:
Annual Dividend:
$0.88
Forward Yield:
2.76%
Ex-Dividend Date:
2026-08-24
Lifetime Dividends / Share:
$10.24
CBKM Dividend History: Dates, Payments & Yield list
Below is a schedule of all CBKM dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 08/24/2026 | 08/26/2026 | $0.220 | 2.76% | 2.76% | $31.90 |
| 05/22/2026 | 05/25/2026 | $0.210 | 3.07% | 2.9% | $28.99 |
| 02/23/2026 | 02/25/2026 | $0.210 | 3.29% | 3.25% | $25.81 |
| 11/24/2025 | 11/26/2025 | $0.210 | 3.65% | 3.65% | $23.00 |
| 08/25/2025 | 08/27/2025 | $0.210 | 4.15% | 4.03% | $20.83 |
| 05/27/2025 | 05/29/2025 | $0.190 | 3.94% | 3.95% | $19.25 |
| 02/24/2025 | 02/26/2025 | $0.190 | 3.87% | 3.94% | $19.30 |
| 11/25/2024 | 11/27/2024 | $0.190 | 4.11% | 4.11% | $18.51 |
| 08/26/2024 | 08/28/2024 | $0.190 | 4.49% | 4.41% | $17.23 |
| 05/24/2024 | 05/27/2024 | $0.180 | 4.11% | 4.3% | $16.74 |
| 02/23/2024 | 02/26/2024 | $0.180 | 4.2% | 4.2% | $17.15 |
| 11/24/2023 | 11/27/2023 | $0.180 | 4.24% | 4.72% | $15.25 |
| 08/18/2023 | 08/21/2023 | $0.180 | 4.12% | 4.14% | $17.40 |
| 05/19/2023 | 05/22/2023 | $0.170 | 4.12% | 4.25% | $16.00 |
| 02/24/2023 | 02/27/2023 | $0.170 | 3.4% | 3.4% | $19.98 |
| 11/18/2022 | 12/15/2022 | $0.170 | 3.73% | 3.6% | $18.90 |
| 08/19/2022 | 09/15/2022 | $0.170 | 0.81% | 0.83% | $20.50 |
| 05/20/2022 | 06/15/2022 | $0.160 | 0.77% | 0.81% | $19.65 |
| 02/17/2022 | 03/15/2022 | $0.160 | 0.67% | 0.67% | $23.99 |
| 11/23/2021 | 12/15/2021 | $0.160 | 0.7% | 0.73% | $21.90 |
| 08/20/2021 | 09/15/2021 | $0.160 | 0.83% | 0.74% | $21.50 |
| 05/21/2021 | 06/15/2021 | $0.150 | 0.76% | 0.76% | $19.74 |
| 11/23/2016 | 11/30/2016 | $0.120 | 2.91% | 2.91% | $16.50 |
| 08/18/2016 | 08/25/2016 | $0.120 | 3.02% | 3.02% | $15.90 |
| 05/19/2016 | 05/26/2016 | $0.120 | 3.05% | 3.05% | $15.75 |
| 02/18/2016 | 02/25/2016 | $0.120 | 2.6% | 2.6% | $18.45 |
| 11/19/2015 | 11/26/2015 | $0.120 | 2.59% | 2.59% | $18.50 |
| 08/20/2015 | 08/27/2015 | $0.120 | 2.67% | 2.67% | $18.00 |
| 05/20/2015 | 05/27/2015 | $0.120 | 2.7% | 2.7% | $17.81 |
| 02/19/2015 | 02/26/2015 | $0.120 | 2.7% | 2.7% | $17.80 |
| 11/20/2014 | 11/27/2014 | $0.120 | 2.74% | 2.74% | $17.53 |
| 08/21/2014 | 08/28/2014 | $0.120 | 2.49% | 2.49% | $19.25 |
| 05/22/2014 | 05/29/2014 | $0.120 | 2.46% | 2.46% | $19.50 |
| 02/20/2014 | 02/27/2014 | $0.120 | 2.55% | 2.55% | $18.81 |
| 11/21/2013 | 11/28/2013 | $0.120 | 2.91% | 2.91% | $16.50 |
| 08/22/2013 | 08/29/2013 | $0.120 | 3.08% | 3.08% | $15.60 |
| 05/23/2013 | 05/30/2013 | $0.120 | 3% | 3% | $16.00 |
| 02/21/2013 | 02/28/2013 | $0.120 | 2.8% | 2.8% | $17.15 |
| 11/21/2012 | 11/28/2012 | $0.120 | 2.91% | 2.91% | $16.50 |
| 08/23/2012 | 08/30/2012 | $0.120 | 3.3% | 3.3% | $14.55 |
| 05/17/2012 | 05/24/2012 | $0.110 | 3.08% | 3.08% | $14.30 |
| 02/23/2012 | 03/01/2012 | $0.110 | 3.4% | 3.4% | $12.95 |
| 11/23/2011 | 11/30/2011 | $0.110 | 3.74% | 3.74% | $11.75 |
| 08/19/2011 | 08/26/2011 | $0.110 | 3.78% | 3.78% | $11.64 |
| 05/19/2011 | 05/26/2011 | $0.110 | 3.32% | 3.32% | $13.25 |
| 02/24/2011 | 03/03/2011 | $0.100 | 3.4% | 3.4% | $11.75 |
| 11/18/2010 | 11/25/2010 | $0.100 | 3.33% | 3.33% | $12.00 |
| 08/19/2010 | 08/26/2010 | $0.100 | 3.33% | 3.33% | $12.00 |
| 05/20/2010 | 05/27/2010 | $0.100 | 3.42% | 3.42% | $11.70 |
| 02/18/2010 | 02/25/2010 | $0.100 | 3.33% | 3.33% | $12.00 |
| 11/19/2009 | 11/26/2009 | $0.100 | 3.33% | 3.33% | $12.00 |
| 08/20/2009 | 08/27/2009 | $0.100 | 3.2% | 3.2% | $12.50 |
| 05/21/2009 | 05/28/2009 | $0.100 | 3.15% | 3.15% | $12.70 |
| 02/19/2009 | 02/26/2009 | $0.100 | 3.15% | 3.15% | $12.70 |
| 11/20/2008 | 11/27/2008 | $0.100 | 3.08% | 3.08% | $13.00 |
| 08/21/2008 | 08/28/2008 | $0.100 | 3.46% | 3.46% | $11.55 |
| 05/21/2008 | 05/28/2008 | $0.100 | 3.28% | 3.28% | $12.19 |
| 02/21/2008 | 02/28/2008 | $0.080 | 2.78% | 2.78% | $11.50 |
| 11/21/2007 | 11/28/2007 | $0.080 | 2.94% | 2.94% | $10.90 |
| 08/16/2007 | 08/23/2007 | $0.080 | 2.76% | 2.76% | $11.60 |
| 05/17/2007 | 05/24/2007 | $0.070 | 2.3% | 2.3% | $12.15 |
| 02/22/2007 | 03/01/2007 | $0.070 | 2.24% | 2.24% | $12.50 |
| 10/27/2006 | 11/03/2006 | $0.070 | 2.18% | 2.18% | $12.85 |
| 08/17/2006 | 08/24/2006 | $0.050 | 1.6% | 1.6% | $12.50 |
| 05/18/2006 | 05/25/2006 | $0.070 | 2.3% | 2.3% | $12.20 |
| 02/16/2006 | 02/23/2006 | $0.070 | 1.78% | 1.78% | $15.75 |
| 08/18/2005 | 08/25/2005 | $0.090 | 2.12% | 2.12% | $17.00 |
| 06/15/2005 | 06/22/2005 | $0.090 | 2.12% | 2.12% | $16.99 |
| 02/17/2005 | 02/24/2005 | $0.090 | 1.93% | 1.93% | $18.65 |
| 12/06/2004 | 12/13/2004 | $0.090 | 1.78% | 1.78% | $20.25 |
| 09/16/2004 | 09/23/2004 | $0.090 | 1.92% | 1.92% | $18.77 |
| 06/17/2004 | 06/24/2004 | $0.090 | 1.53% | 1.53% | $23.60 |
| 03/18/2004 | 03/25/2004 | $0.090 | 1.55% | 1.55% | $23.25 |
| 12/18/2003 | 12/25/2003 | $0.080 | 1.38% | 1.38% | $23.25 |
| 09/18/2003 | 09/25/2003 | $0.080 | 1.36% | 1.36% | $23.50 |
| 06/19/2003 | 06/26/2003 | $0.080 | 1.38% | 1.38% | $23.20 |
| 03/20/2003 | 03/27/2003 | $0.080 | 1.38% | 1.38% | $23.25 |
| 12/16/2002 | 12/23/2002 | $0.100 | 1.76% | 1.76% | $22.75 |
| 09/16/2002 | 09/23/2002 | $0.080 | 1.41% | 1.41% | $22.75 |
| 06/17/2002 | 06/24/2002 | $0.080 | 1.49% | 1.49% | $21.50 |
| 03/15/2002 | 03/22/2002 | $0.077 | 1.53% | 1.53% | $20.00 |
| 12/14/2001 | 12/21/2001 | $0.090 | 1.85% | 1.85% | $19.50 |
| 09/18/2001 | 09/25/2001 | $0.073 | 1.5% | 1.5% | $19.50 |
| 06/15/2001 | 06/22/2001 | $0.073 | 1.5% | 1.5% | $19.50 |
| 03/16/2001 | 03/23/2001 | $0.073 | 1.54% | 1.54% | $19.00 |
| 12/19/2000 | 12/26/2000 | $0.087 | 1.83% | 1.83% | $18.90 |
Projected Future Returns & Dividends for CBKM
Based on past 10-year performance, here are CBKM growth metrics:
Share price CAGR of +7.01%
Dividend CAGR of +18.54%
Using CBKM CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| CBKM (DRIP) | CBKM - No DRIP | |
|---|---|---|
| Current Price | $31.90 | $31.90 |
| Start Shares | 313.48 | 313.48 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 493.37 | 313.48 |
| Dividends Payment | $1.21 | $1.21 |
| Annual Dividends | $2,379 | $1,511 |
| Yield on cost | 23.79% | 15.11% |
| Share Price | $62.82 | $62.82 |
| Total Dividends | $8,575 | $6,664 |
| Final Value | $30,991 | $26,355 |
Estimated Future Value + Dividends - CBKM
NOTE: Above numbers are our estimate based on CBKM's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Consumers Bancorp, Inc. (CBKM) had its IPO on 1999-10-26, and is traded on OTC stock exchange.
Consumers Bancorp, Inc. functions as the holding company for Consumers National Bank, delivering a comprehensive suite of commercial and retail banking solutions. These services cater to a diverse client base, including individual customers, agricultural businesses, and small to medium-sized enterprises. The bank's financial products include a variety of deposit accounts. Its extensive lending portfolio features commercial loans for equipment, inventory, and accounts receivable, alongside commercial real estate financing for farmers, developers, owners of multi-family investment properties, and other commercial properties. Additionally, it offers residential real estate loans, covering one-to-four-family homes and home equity, as well as various consumer credit options like automobile loans, personal lines of credit, and unsecured personal loans. Beyond traditional banking, Consumers Bancorp, Inc. also strategically invests in securities, such as obligations from United States government-sponsored entities, municipal bonds, and mortgage-backed securities. As of June 30, 2021, the company maintained a network of 19 full-service branches and one dedicated loan production office. These operations span Carroll, Columbiana, Jefferson, Stark, Summit, Wayne, and adjacent counties within Ohio. Founded in 1965, the company maintains its corporate headquarters in Minerva, Ohio.
CBKM website: https://www.consumers.bank
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DCF Model — CBKM
Value from:
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $31.90
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
