Consumers Bancorp, Inc.
Consumers Bancorp, Inc. Fundamental Analysis
Consumers Bancorp, Inc. (CBKM) shows moderate financial fundamentals with a PE ratio of 8.12, profit margin of 16.82%, and ROE of 2.83%. The company generates $0.1B in annual revenue with moderate year-over-year growth of 8.00%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.0/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CBKM's fundamental strength across five key dimensions:
Efficiency Score
WeakCBKM struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCBKM trades at attractive valuation levels.
Growth Score
ModerateCBKM shows steady but slowing expansion.
Financial Health Score
ModerateCBKM shows balanced financial health with some risks.
Profitability Score
ExcellentCBKM achieves industry-leading margins.
Key Financial Metrics
Is CBKM Expensive or Cheap?
P/E Ratio
CBKM trades at 8.12 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CBKM's PEG of 0.35 indicates potential undervaluation.
Price to Book
The market values Consumers Bancorp, Inc. at 0.07 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.97 times EBITDA. This is generally considered low.
How Well Does CBKM Make Money?
Net Profit Margin
For every $100 in sales, Consumers Bancorp, Inc. keeps $16.82 as profit after all expenses.
Operating Margin
Core operations generate 19.88 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $2.83 in profit for every $100 of shareholder equity.
ROA
Consumers Bancorp, Inc. generates $0.85 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Consumers Bancorp, Inc. produces operating cash flow of $9.14M, showing steady but balanced cash generation.
Free Cash Flow
Consumers Bancorp, Inc. generates strong free cash flow of $7.85M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.50 in free cash annually.
FCF Yield
CBKM converts 9.12% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.12
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.35
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.07
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.37
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.02
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How CBKM Stacks Against Its Sector Peers
| Metric | CBKM Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.12 | 18.99 | Better (Cheaper) |
| ROE | 2.83% | 812.00% | Weak |
| Net Margin | 16.82% | 1310.00% | Weak |
| Debt/Equity | 0.02 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 644.08 | Weak Liquidity |
| ROA | 0.85% | -21307.00% (disorted) | Weak |
CBKM outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Consumers Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
79.29%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
43.85%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
30.13%
Industry Style: Value, Dividend, Cyclical
High Growth