CONSUMERS BANCORP INC /OH/ financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data CONSUMERS BANCORP INC /OH/ files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue		2.72	2.98	3.22	3.42	3.86	4.14	4.38	4.62	4.91
Selling and marketing	0.27	0.31	0.42	0.48	0.52	0.66	0.74	0.73	0.82	0.9
Interest expense	1.11	1.67	3.16	3.82	1.9	1.41	7.22
Pre-tax income	3.64	4.73	6.58	6.44	10.8	13.5	12.9	10.4	10.3	13.2
Income tax	0.64	1.15	1.01	0.91	1.85	2.34	2.25	1.85	1.66	2.01
Net income	2.99	3.58	5.57	5.53	8.99	11.2	10.7	8.58	8.67	11.2
EPS, basic	1.10	1.31	2.04	1.92	2.98	3.68	3.45	2.76	2.77	3.55
EPS, diluted	1.10	1.31	2.04	1.92	2.98	3.68	3.45	2.76	2.77	3.55
Shares, basic (weighted)	2.72	2.73	2.73	2.87	3.02	3.04	3.09	3.11	3.13	3.15
Shares, diluted (weighted)	2.72	2.73	2.73	2.87	3.02	3.04	3.09	3.11	3.13	3.15
Dividend per share	0.48	0.50	0.52	0.54	0.59	0.64	0.68	0.72	0.76	0.84

Balance sheet

	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026
Cash and equivalents	9.91	7.77	9.46
Property, plant and equipment	13.4	13.3	14.2	14.9	15.8	16.5	17.2	16.9	18.7	19.1
Lease right-of-use assets								0.78	0.65	0.76
Goodwill			0	0.84	0.84	2.45	2.45	2.45	2.45	2.45
Intangible assets			0	0.26	0.23	0.47	0.41	0.36	0.3	0.24
Total assets	458	503	554	741	834	977	1,060	1,097	1,165	1,280
Short-term debt	24	13.4	3.69	6.94	12.2	21.3	26.4	30	15.5	29.2
Total liabilities	414	459	503	678	764	923	1,005	1,033	1,089	1,190
Retained earnings	30.1	32.3	36.5	40.5	47.7	56.9	65.5	71.5	77.8	86.3
Treasury stock	-1.66	-1.58	-1.54	-1.45	-1.32	-1.12	-0.81	-0.7	-0.58	-0.53
Other comprehensive income	0.45	-1.64	1.57	4.26	3.55	-22.1	-30	-28.3	-22.6	-17.9
Shareholders' equity	43.5	43.8	51.2	63.2	69.9	54	55.5	63.7	76.3	89.9
Total equity	43.5	43.8	51.2	63.2	69.9	54	55.5	63.7	76.3	89.9
Total liabilities and equity	458	503	554	741	834	977	1,060	1,097	1,165	1,280

Cash flow statement

	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026
Net income	2.99	3.58	5.57	5.53	8.99	11.2	10.7	8.58	8.67	11.2
Depreciation and amortization	1.09	0.96	0.78	0.35	0.62	1.45	0.82	0.53	1.16	1.29
Deferred income tax	0.13	0.11	0.17	-0.36	-0.32	0.15	-0.1	-0.24	-0.46	-0.15
Cash from operations	5.38	5.85	6.39	5.59	14	14.9	13.3	9.38	7.93	11.2
Capital expenditures	-0.6	-0.69	-1.67	-0.5	-1.15	-1.48	-1.82	-0.98	-3.07	-1.64
Acquisitions				-4.3	0	66.6	0
Purchases of investments	-41.8	-23.9	-22.9	-36.8	-108	-141	-31.8	-13.6	-40.3	-21.1
Sales and maturities of investments	21.9	15.6	19.1	25.9	37.3	31.6	21.3	21.8	38.5	41.5
Cash from investing	-32.1	-50.9	-46.8	-113	-89	-65.2	-92.2	-30.4	-61.7	-104
Dividends paid	-1.31	-1.35	-1.42	-1.55	-1.79	-1.95	-2.1	-2.25	-2.38	-2.64
Cash from financing	26.4	43	42.1	108	83.9	52.7	69.7	27	55.9	99.7
Net change in cash	-0.27	-2.14	1.69	0.2	8.87	2.42	-9.2	5.97	2.19	6.36
Free cash flow	4.78	5.16	4.72	5.1	12.9	13.5	11.5	8.39	4.86	9.55
Interest paid	1.11	1.64	3.09	3.89	1.96	1.42	6.93	16.7	19.2	19.8
Income taxes paid	0.3	0.73	0.82	0.68	2.51	1.85	2.5	2.17	1.6	1.87

Key metrics

Worked out from the statements above. Latest values use fiscal 2026. Valuation uses the share price of $32.50 on September 28, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	268.2%	Pre-tax income / revenue.
Net margin	227.2%	Net income / revenue.
FCF margin	194.5%	Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin	227.7%	Cash from operations / revenue.
Effective tax rate	15.3%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	13.4%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	0.9%	Net income / average total assets.
Capex / revenue	33.3%	Capital expenditures / revenue.
D&A / revenue	26.2%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	6.4%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	5.9%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	7.5%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	28.8%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	1.5%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	4.4%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	28.2%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	1.0%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	3.6%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	41.0%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-5.6%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	-4.4%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	96.5%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	-6.0%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	-5.8%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	10.5%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	7.3%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	7.3%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	17.8%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	17.4%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	5.2%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	9.9%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	6.5%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	9.0%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	0.5%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	0.6%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	0.8%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	93.0%	Total liabilities / total assets.
Goodwill and intangibles / assets	0.2%	(Goodwill + intangible assets) / total assets.
Tangible book value	$87.2M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.00x	Revenue / average total assets.
Fixed asset turnover	0.26x	Revenue / average property, plant and equipment.
FCF conversion	85.6%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	14.6%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$3.55	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
EPS, basic	$3.55	Net income per basic share, as reported (split-adjusted).
Revenue per share	$1.56	Revenue / diluted weighted shares.
FCF per share	$3.04	Free cash flow / diluted weighted shares.
Operating cash flow per share	$3.55	Cash from operations / diluted weighted shares.
Book value per share	$28.55	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$27.70	Tangible book value / shares outstanding.
Dividend per share	$0.84	Dividend declared per common share (paid, when declared is not tagged).
Payout ratio	23.7%	Dividends paid / net income, when net income is positive.
Dividends / FCF	27.7%	Dividends paid / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$102.6M	Share price x shares outstanding.
Enterprise value	$102.6M	Market cap + total debt - cash - short-term investments.
P/E	9.19x	Market cap / net income. Only when net income is positive.
P/S	20.9x	Market cap / revenue.
P/B	1.14x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.18x	Market cap / tangible book value, when positive.
P/FCF	10.7x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	9.17x	Market cap / cash from operations, when positive.
EV/Sales	20.9x	Enterprise value / revenue.
EV/FCF	10.7x	Enterprise value / free cash flow, when both are positive.
FCF yield	9.3%	Free cash flow / market cap.
Earnings yield	10.9%	Net income / market cap (the inverse of P/E).
Dividend yield	2.6%	Dividends paid over the period / market cap.
Shareholder yield	2.6%	(Dividends paid + share buybacks) / market cap.
PEG	9.60x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

What was CONSUMERS BANCORP INC /OH/'s revenue in fiscal 2026?

CONSUMERS BANCORP INC /OH/ reported revenue of $4.9M for fiscal 2026, 6.4% higher than the year before.

Was CONSUMERS BANCORP INC /OH/ profitable in fiscal 2026?

Yes. Net income was $11.2M, a net margin of 227.2%.

How much free cash flow did CONSUMERS BANCORP INC /OH/ generate in fiscal 2026?

Cash from operations of $11.2M minus capital expenditures of $1.6M left free cash flow of $9.6M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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