Consumers Bancorp, Inc. (CBKM): fair value, margin of safety and Wheel Score

Is CBKM undervalued?

CBKM closed at 31.55 on 5 Nov 2026, 20% below the GLS average fair value of 39.47 from 9 models (4 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" Wheel Trade Filter, with room for a bigger discount on the Value part.

There is a wide gap between Lynch (3.34) and Graham Number (183.35). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, CBKM is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 76, growth score 54, out of 100).

Nine valuation models for CBKM

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Consumers Bancorp, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability CBKM scores 6.8/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.

Returns on capital are moderate - ROIC 7.6%, ROE 12.4%, ROA 0.9% - with debt at 0.63 times equity and a free-cash-flow yield of 0.6%.

The dividend yield is 2.69% at a payout ratio of 23%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.

Institutional ownership scores 1/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 28 Oct 2026.

Wheel Score 29: No options

No options are listed on Consumers Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 29, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 1k shares a day on a market cap of $100M, with a beta of -0.13 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for CBKM in the nightly calendar.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to Consumers Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare CBKM with 7 of them   All Financial Services stocks →