What is Consumers Bancorp Inc worth?
With the base-case assumptions below, a discounted cash flow model on Consumers Bancorp Inc's reported free cash flow gives $67.28 per share. The share price was $32.50 on September 28, 2026, 52% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 2.5% | 10.0% | $43.11 | +33% |
| Base | 7.5% | 9.0% | $67.28 | +107% |
| Bull | 12.5% | 8.0% | $115.48 | +255% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $85.25 | $90.75 | $97.47 | $105.87 | $116.68 |
| 8.0% | $71.83 | $75.40 | $79.61 | $84.67 | $90.85 |
| 9.0% | $62.03 | $64.47 | $67.28 | $70.57 | $74.45 |
| 10.0% | $54.57 | $56.31 | $58.27 | $60.52 | $63.11 |
| 11.0% | $48.71 | $49.98 | $51.40 | $53.00 | $54.81 |
Where the presets come from
Base: years 1 to 5 grow at Consumers Bancorp Inc's revenue growth rate over the last 5 fiscal years (7.5% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions