Stock fact sheet · data as of
Consumers Bancorp, Inc. (CBKM): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is CBKM undervalued?
CBKM closed at 31.90 on 16 Oct 2026, more than 30% above the GLS average fair value of 24.08. Only 4 of the 9 models that produced a value sit above the price. By our models the shares are priced well beyond what the filed earnings, cash flow and book value support; the Sunday Scan drops names like this at the "below fair value" rule.
There is a wide gap between Lynch (3.26) and Graham Number (48.01). 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.
The nightly engine files CBKM under Defensive: a low beta, a dividend and positive earnings.
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.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 32.22 | +1% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 48.01 | +50% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 36.02 | +13% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 3.26 | -90% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 22.32 | -30% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 18.46 | -42% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 4.26 | -87% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 12.51 | -61% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 39.63 | +24% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -287.21 | -1000% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Consumers Bancorp, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 4.1/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
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 2.66% at a payout ratio of 24%; 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 Sep 2026.
| Piotroski F-score | 7 / 9 | ROIC | 7.6% |
|---|---|---|---|
| GLS Moat | 4.1 / 10 | ROE | 12.4% |
| Debt / equity | 0.63 | ROA | 0.9% |
| Free-cash-flow yield | 0.6% | Payout ratio | 24% |
| Institutions | 1 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 28: No options
No options are listed on Consumers Bancorp, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 28) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $101M, 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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -32% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 6 / 15 | moat 4.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $101M cap, beta -0.13 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score 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.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| NACB National Capital Bancorp, Inc. | 87.40 | 87.44 | +0% | 33No options | $101M |
| CYVF Crystal Valley Financial Corporation | 80.50 | 135.40 | +41% | 39No options | $101M |
| CITZ Citizens Bancshares Corp. | 48.05 | 126.38 | +62% | 39No options | $100M |
| PNBK Patriot National Bancorp, Inc. | 0.8563 | 2.10 | +59% | 39No options | $102M |
| BKSC Bank of South Carolina Corporation | 18.67 | 37.75 | +51% | 39No options | $100M |
| SEBC Southeastern Banking Corporation | 32.00 | 41.96 | +24% | 39No options | $102M |
| ORBN Oregon Bancorp, Inc. | 40.10 | 18.47 | -117% | 18No options | $99M |
| FTFI First Berlin Bancorp, Inc. | 37.90 | 82.64 | +54% | 39No options | $99M |
| JBTC JBT Bancorp Inc. | 42.06 | 87.63 | +52% | 39No options | $102M |
| UWHR Uwharrie Capital Corp | 14.55 | 30.07 | +52% | 39No options | $103M |
| STBK Studio Bank | 14.40 | 14.74 | +2% | 25No options | $103M |
| PPLL Peoples Ltd. | 57.20 | 76.30 | +25% | 39No options | $104M |
⚖ Compare CBKM with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CBKM
Is CBKM undervalued right now?
No: at 31.90 the stock trades 32% above the GLS average fair value of 24.08 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of CBKM and what does it mean?
CBKM has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CBKM?
24.08 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Consumers Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for CBKM in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CBKM have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CBKM, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.