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CONSUMERS BANCORP INC /OH/

CBKM

— Price unavailable

17 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CONSUMERS BANCORP INC /OH/ shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap —

Dividend Yield —

Revenue Growth 7.2% ↗

Op. Margin 26.1% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity 0.20

info Valuation on last close.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$39.56M

↑ +7.2% —

Net Income Profit after all expenses

$8.67M

↑ +1.0% —

Operating Margin Operating profit as % of sales

26.1%

↓ -7.7% 83th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.76 Latest / share

+5.6% YoY

+4.7% 11-yr CAGR

$0.48

FY 2014

$0.48

FY 2015

FY 2016

$0.48

FY 2017

$0.49

FY 2018

$0.52

FY 2019

$0.54

FY 2020

$0.59

FY 2021

$0.64

FY 2022

$0.68

FY 2023

$0.72

FY 2024

$0.76

FY 2025

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Revenue Growth YoY (%)	7.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+21%)	-4.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-168%)	2.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-56%)	20.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+245%)	18.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+209%)	20.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+249%)	12.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+106%)	8.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	6.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	1.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-68%)	6.2% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	3.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	10.4% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+74%)	—	—	—
EPS Growth YoY (%)	0.4% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-20.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.5% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	55.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-5.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	55.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	19.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	39.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-27.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.8% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-18.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	22.7% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	1.0% Caution ↑ Caution Improving Year-over-year change in net income	-19.6% Weak ↓ Weak Declining Year-over-year change in net income	-4.6% Weak ↓ Weak Declining Year-over-year change in net income	24.5% Good ↓ Good Declining Year-over-year change in net income	62.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-0.7% Weak ↓ Weak Declining Year-over-year change in net income	55.4% Excellent ↑ Excellent Improving Year-over-year change in net income	19.6% Good ↑ Good Improving Year-over-year change in net income	39.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-27.4% Weak ↓ Weak Declining Year-over-year change in net income	4.3% Caution ↓ Caution Declining Year-over-year change in net income	6.3% Fair ↓ Fair Declining Year-over-year change in net income	-3.4% Weak Weak Year-over-year change in net income	23.0% Good Good Year-over-year change in net income	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	13.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	20.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.8% Caution Caution Compound annual revenue growth over 3 years	6.2% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—
Revenue CAGR 5Y (%)	8.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	16.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.5% Fair Fair Compound annual revenue growth over 5 years	5.3% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	-9.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-2.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	21.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	21.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	31.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	20.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	37.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	1.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-15.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.9% Weak Weak Compound annual EPS growth over 3 years	-1.5% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Operating Margin (%) (%)	26.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	33.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	36.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	34.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	16.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	21.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	27.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	29.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	28.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	21.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	18.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	16.9% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	12.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	18.1% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	18.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	18.1% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	19.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	17.5% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	11.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	13.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	19.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+60%)	20.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+73%)	12.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	8.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	6.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	9.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	8.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Debt to Equity (x)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.47x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.48x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.39x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.17x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.55x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.44x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.48x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.48x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.44x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.49x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	0.67x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.72x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Revenue per Share (USD)	$12.62	$11.86	$12.45	$12.33	$10.28	$9.11	$7.93	$7.07	$6.50	$6.13	$0.01	$0.01	$7.14	$6.93	$6.30	—	—
Basic EPS, GAAP (USD)	$2.77	$2.76	$3.45	$3.68	$2.98	$1.92	$2.04	$1.31	$1.10	$0.79	$1.09	$1.05	$1.29	$1.35	$1.10	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.76	$0.72	$0.68	$0.64	$0.59	$0.54	$0.52	$0.49	$0.48	—	$0.48	$0.48	$0.48	$0.44	$0.41	—	—
Book Value per Share (USD)	$24.34	$20.48	$17.95	$17.76	$23.15	$22.00	$18.73	$16.05	$15.98	$16.07	$0.02	$0.01	$13.64	$13.60	$12.40	—	—
Tangible Book Value per Share (USD)	$23.56	$19.69	$17.16	$16.95	$22.88	$21.71	$18.73	$16.05	$15.98	$16.07	$0.02	$0.01	$13.64	$13.60	$12.35	—	—
Basic Weighted Avg Shares (shares)	3.13M	3.11M	3.09M	3.04M	3.02M	2.87M	2.73M	2.73M	2.72M	2.73M	2.73B	2.70B	2.06M	2.05M	2.04M	—	—
Dividend Payout Ratio (%)	27.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	26.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	17.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	28.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.6% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	—	44.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	45.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	37.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$76.27M	$63.69M	$55.48M	$53.97M	$69.90M	$63.24M	$51.17M	$43.76M	$43.53M	$43.79M	$41.47M	$40.20M	$28.14M	$27.89M	$25.32M	$23.72M	$21.46M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$39.56M	$36.89M	$38.46M	$37.48M	$31.05M	$26.19M	$21.66M	$19.28M	$17.71M	$16.69M	$16.38M	$15.42M	$14.74M	$14.22M	$12.88M	—	—
Depreciation Expense (USD)	$1.16M	$1.09M	$1.05M	$991.00K	$940.00K	$1.04M	$797.00K	$771.00K	$781.00K	$647.00K	$575.00K	$551.00K	$558.00K	$369.00K	$382.00K	—	—
Net Income, GAAP (USD)	$8.67M	$8.58M	$10.67M	$11.19M	$8.99M	$5.53M	$5.57M	$3.58M	$2.99M	$2.15M	$2.96M	$2.84M	$2.67M	$2.76M	$2.25M	—	—
Operating Cash Flow (USD)	$7.93M	$9.38M	$13.32M	$14.95M	$14.01M	$5.59M	$6.39M	$5.85M	$5.38M	$3.85M	$5.61M	$3.99M	$5.55M	$4.64M	$4.16M	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	2.9%	3.2%	3.4%	3.2%	2.9%	3.1%	3.2%	3.2%	3.2%	3.3%	3.3%	3.5%	3.5%	3.6%	—	—
Efficiency Ratio (%) (%)	71.0%	70.1%	64.2%	61.9%	62.4%	67.9%	71.7%	73.9%	76.1%	76.5%	74.9%	75.7%	75.3%	72.7%	74.3%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 65 quarters

CONSUMERS BANCORP INC /OH/

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17-Year Financial Trajectory

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