A regional Ohio-based financial holding company generating stable revenue through diversified retail and commercial banking operations with a recent cash position of $19.9M.
Investors may buy this stock due to steady revenue growth trajectory and a healthy ending cash balance of $19.9M providing liquidity buffer; The diversification into securities investments with $40.3M in purchases offers potential upside from market volatility; Positive operating cash flow relative to income suggests strong core banking fundamentals.
Bearish investors should consider the substantial retained earnings deficit of -$77.8M which may require future capital raising; Significant non-cash adjustments of -$66.5M and other investing outflows of -$105.1M raise concerns about cash conversion quality; Regional concentration exposes the firm to localized economic shocks that could impact loan defaults.
Consumers Bancorp Inc. is a diversified financial institution serving retail and commercial banking markets with a focus on deposit gathering and loan origination. The company leverages its extensive branch network and digital platforms to provide comprehensive banking solutions across Ohio and surrounding regions. Key revenue streams include interest income from loans, fee-based services, and investments in marketable securities.
The company demonstrated resilience with revenue growing from $4.1M in 2023 to $4.6M in 2025, while stabilizing net income around $8.7M after a dip in 2024. Operating profit reached $10.3M indicating effective cost control despite elevated operating expenses of -$5.7M, and the firm successfully increased its cash reserves by $2.2M to end at $19.9M.
The regional banking industry operates in a competitive landscape dominated by large national banks and community financial institutions vying for deposit shares; Profitability is increasingly dependent on net interest margin management and fee income diversification amidst rising funding costs; Regulatory scrutiny remains high as banks navigate capital preservation requirements and consumer protection standards.
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | $4.1M | $4.4M | $4.6M |
| Cost of Revenue | $0 | $0 | $0 |
| Gross Profit | $4.1M | $4.4M | $4.6M |
| Operating Expenses | $-8.8M | $-6.0M | $-5.7M |
| Operating Income | $12.9M | $10.4M | $10.3M |
| Depreciation | $1.1M | $1.1M | $1.2M |
| Amortization | $56.0K | $57.0K | $56.0K |
| Non-Operating Income | $0 | $0 | $0 |
| Interest Expense | $7.2M | — | — |
| Pre-Tax Income | $12.9M | $10.4M | $10.3M |
| Income Tax | $2.2M | $1.8M | $1.7M |
| Continuing Ops | $10.7M | $8.6M | $8.7M |
| Discontinued Ops | $0 | $0 | $0 |
| Net Income | $10.7M | $8.6M | $8.7M |
| Minority Interest | $0 | $0 | $0 |
| Net to Common | $10.7M | $8.6M | $8.7M |
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| PP&E (Net) | $17.2M | $16.9M | $18.7M |
| Goodwill | $2.5M | $2.5M | $2.5M |
| Operating Leases | — | $777.0K | $647.0K |
| Total Assets | $1.06B | $1.10B | $1.17B |
| Total Liabilities | $1.00B | $1.03B | $1.09B |
| Shareholders' Equity | $55.5M | $63.7M | $76.3M |
| Retained Earnings | $65.5M | $71.5M | $77.8M |
| AOCI | $-30.0M | $-28.3M | $-22.6M |
| Treasury Stock | $809.0K | $695.0K | $583.0K |
| Total L&E | $1.06B | $1.10B | $1.17B |
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Net Income (CFO) | $10.7M | $8.6M | $8.7M |
| Non-Cash Adjustments | $-63.2M | $-20.3M | $-66.5M |
| Working Capital Changes | $65.9M | $21.1M | $65.8M |
| Cash from Operations | $13.3M | $9.4M | $7.9M |
| Capital Expenditures | $1.8M | $983.0K | $3.1M |
| Cash from Investing | $-92.2M | $-30.4M | $-61.7M |
| Dividends Paid | $2.1M | $2.2M | $2.4M |
| Cash from Financing | $69.7M | $27.0M | $55.9M |
| FX Effect | $0 | $0 | $0 |
| Net Change in Cash | $-9.2M | $6.0M | $2.2M |
| Beginning Cash | $21.0M | $11.8M | $17.7M |
| Ending Cash | $11.8M | $17.7M | $19.9M |
Retail Banking: Personal checking/savings accounts, mortgages, and auto loans; Commercial Banking: Small business lending and working capital solutions; Wealth Management & Trust Services: Investment advisory and estate planning; Securities Investments: Trading of marketable securities generating significant investment income.
Interest rate sensitivity affecting net interest margins in a volatile monetary policy environment; Regional economic downturns potentially increasing non-performing loan ratios; Regulatory compliance costs and capital adequacy requirements for financial institutions; Significant non-cash adjustments of -$66.5M impacting reported cash flow metrics.
Established regional brand recognition within the Ohio market fostering high customer retention; Diversified revenue streams reducing reliance on any single loan type or interest rate environment; Strong capital management evidenced by positive operating cash flow of $7.9M and growing retained earnings despite a historical deficit.
Not financial advice. All content is for informational purposes only. Data may contain errors. Consult a qualified financial advisor before making investment decisions.