Financial Snapshot

Revenue
$36.33M
TTM
Gross Margin
Net Earnings
$6.477M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q2 2024
Total Liabilities
Q2 2024
Book Value
$63.69M
Q2 2024
Cash
Q2 2024
P/E
8.401
Sep 13, 2024 EST
Free Cash Flow
$6.921M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Revenue $4.383M $4.139M $3.864M $28.48M $25.31M $20.55M $17.56M $15.57M $14.61M $14.36M $13.66M $13.14M
YoY Change 5.9% 7.12% -86.43% 12.56% 23.17% 17.02% 12.78% 6.57% 1.74% 5.13% 3.92%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Revenue $4.383M $4.139M $3.864M $28.48M $25.31M $20.55M $17.56M $15.57M $14.61M $14.36M $13.66M $13.14M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.095M $1.051M $991.0K $940.0K $1.044M $797.0K $771.0K $781.0K $647.0K $575.0K $551.0K $558.0K $369.0K $540.0K $590.0K $620.0K $730.0K $730.0K $740.0K $810.0K $820.0K $780.0K $740.0K $690.0K $440.0K $290.0K $270.0K
YoY Change 4.19% 6.05% 5.43% -9.96% 30.99% 3.37% -1.28% 20.71% 12.52% 4.36% -1.25% 51.22% -31.67% -8.47% -4.84% -15.07% 0.0% -1.35% -8.64% -1.22% 5.13% 5.41% 7.25% 56.82% 51.72% 7.41%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Interest Expense $7.224M $1.414M $1.900M $3.821M $3.156M $1.671M $1.108M $902.0K $949.0K $995.0K $1.202M
YoY Change 410.89% -25.58% -50.27% 21.07% 88.87% 50.81% 22.84% -4.95% -4.62% -17.22%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Pretax Income $10.43M $12.92M $13.53M $10.84M $6.439M $6.579M $4.730M $3.635M $2.426M $3.676M $3.491M $3.303M $3.563M $2.870M $2.610M $2.600M $2.300M $1.540M $1.450M $2.790M $3.000M $3.160M $3.230M $2.950M $2.760M $2.650M $2.670M
YoY Change -19.32% -4.5% 24.85% 68.32% -2.13% 39.09% 30.12% 49.84% -34.0% 5.3% 5.69% -7.3% 24.15% 9.96% 0.38% 13.04% 49.35% 6.21% -48.03% -7.0% -5.06% -2.17% 9.49% 6.88% 4.15% -0.75%
Income Tax $1.845M $2.248M $2.339M $1.850M $912.0K $1.013M $1.149M $641.0K $279.0K $718.0K $654.0K $634.0K $799.0K $620.0K $570.0K $570.0K $490.0K $270.0K $270.0K $840.0K $920.0K $960.0K $1.000M $900.0K $860.0K $830.0K $940.0K
% Of Pretax Income 17.7% 17.4% 17.29% 17.07% 14.16% 15.4% 24.29% 17.63% 11.5% 19.53% 18.73% 19.19% 22.42% 21.6% 21.84% 21.92% 21.3% 17.53% 18.62% 30.11% 30.67% 30.38% 30.96% 30.51% 31.16% 31.32% 35.21%
Net Earnings $8.580M $10.67M $11.19M $8.988M $5.527M $5.566M $3.581M $2.994M $2.147M $2.958M $2.837M $2.669M $2.764M $2.250M $2.040M $2.030M $1.800M $1.260M $1.180M $1.960M $2.080M $2.210M $2.240M $2.050M $1.890M $1.820M $1.730M
YoY Change -19.62% -4.63% 24.52% 62.62% -0.7% 55.43% 19.61% 39.45% -27.42% 4.27% 6.29% -3.44% 22.84% 10.29% 0.49% 12.78% 42.86% 6.78% -39.8% -5.77% -5.88% -1.34% 9.27% 8.47% 3.85% 5.2%
Net Earnings / Revenue 195.76% 257.89% 289.65% 31.56% 21.84% 27.09% 20.4% 19.23% 14.7% 20.6% 20.77% 20.31%
Basic Earnings Per Share $2.76 $3.45 $3.68 $2.98 $1.92 $2.04 $1.31 $1.10 $0.79 $1.09 $1.05 $1.29 $1.35
Diluted Earnings Per Share $2.76 $3.45 $3.680M $2.98 $1.92 $2.04 $1.31 $1.10 $0.79 $1.08 $1.05 $1.29 $1.35 $1.103M $1.005M $1.000M $882.4K $597.2K $551.4K $911.6K $967.4K $1.028M $1.042M $953.5K $879.1K $846.5K $804.7K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $17.18M $16.52M $15.80M $14.90M $14.20M $13.30M $13.40M $13.60M $11.60M $6.700M $5.700M $5.800M $4.800M $3.600M $3.800M $4.000M $4.300M $4.600M $4.400M $4.600M $5.100M $5.300M $5.300M $4.900M $3.500M $2.800M
YoY Change 4.0% 4.56% 6.04% 4.93% 6.77% -0.75% -1.47% 17.24% 73.13% 17.54% -1.72% 20.83% 33.33% -5.26% -5.0% -6.98% -6.52% 4.55% -4.35% -9.8% -3.77% 0.0% 8.16% 40.0% 25.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $1.060B $977.3M $833.8M $740.8M $553.9M $502.6M $457.9M $430.4M $404.0M $382.5M $343.5M $334.8M $300.1M $263.4M $251.9M $233.1M $202.0M $203.6M $191.2M $186.2M $182.1M $184.7M $172.3M $154.5M $134.6M $131.6M
YoY Change
Accounts Payable $15.94M $6.201M $5.600M $5.600M $4.200M $3.800M $3.600M $3.500M $3.400M $2.600M $2.400M $2.200M $2.000M $2.000M $1.900M $2.200M $1.600M $1.300M $1.000M $1.100M $1.500M $1.500M $1.700M $1.100M $1.400M $1.600M
YoY Change 157.1% 10.73% 0.0% 33.33% 10.53% 5.56% 2.86% 2.94% 30.77% 8.33% 9.09% 10.0% 0.0% 5.26% -13.64% 37.5% 23.08% 30.0% -9.09% -26.67% 0.0% -11.76% 54.55% -21.43% -12.5%
Accrued Expenses $921.0K $1.029M $1.200M $500.0K
YoY Change -10.5% -14.25% 140.0%
Deferred Revenue
YoY Change
Short-Term Debt $26.37M $21.30M $12.20M $6.900M $3.700M $13.40M $24.00M $19.10M $19.80M $19.50M $12.50M $13.70M $17.00M $13.10M $15.10M $11.90M $9.300M $5.000M $6.000M $5.500M $4.900M $5.100M $1.400M $1.100M $0.00
YoY Change 23.82% 74.55% 76.81% 86.49% -72.39% -44.17% 25.65% -3.54% 1.54% 56.0% -8.76% -19.41% 29.77% -13.25% 26.89% 27.96% 86.0% -16.67% 9.09% 12.24% -3.92% 264.29% 27.27%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $43.23M $7.230M $6.800M $6.100M $4.200M $3.800M $3.600M $3.500M $3.400M $2.600M $2.400M $2.200M $2.000M $2.000M $1.900M $2.200M $1.600M $1.300M $1.000M $1.100M $1.500M $1.500M $1.700M $1.100M $1.400M $1.600M
YoY Change 497.94% 6.32% 11.48% 45.24% 10.53% 5.56% 2.86% 2.94% 30.77% 8.33% 9.09% 10.0% 0.0% 5.26% -13.64% 37.5% 23.08% 30.0% -9.09% -26.67% 0.0% -11.76% 54.55% -21.43% -12.5%
Long-Term Debt $0.00 $29.55M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0%
Other Long-Term Liabilities $7.230M
YoY Change
Total Long-Term Liabilities $0.00 $36.78M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0%
Total Liabilities $1.005B $923.3M $763.9M $677.6M $502.8M $458.9M $414.3M $386.6M $362.5M $342.3M $315.3M $306.9M $274.8M $239.7M $230.4M $213.5M $183.2M $184.4M $171.9M $168.1M $164.8M $168.9M $158.1M $142.3M $123.5M $121.5M
YoY Change 8.79% 20.87% 12.74% 34.77% 9.57% 10.77% 7.17% 6.65% 5.9% 8.56% 2.74% 11.68% 14.64% 4.04% 7.92% 16.54% -0.65% 7.27% 2.26% 2.0% -2.43% 6.83% 11.1% 15.22% 1.65%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Basic Shares Outstanding 3.109M 3.090M 3.040M 3.019M 2.874M 2.731M 2.727M 2.724M 2.725M 2.726M 2.702B shares 2.064M shares 2.051M shares
Diluted Shares Outstanding 3.109M 3.090M 3.040M 3.019M 2.874M 2.731M 2.727M 2.724M 2.725M 2.726M 2.702B shares 2.064M shares 2.051M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Dividends

Dividends

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Stock Price

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Market Cap: $54.413 Million

About Consumers Bancorp Inc

Consumers Bancorp, Inc. operates as a bank holding company of Consumers National Bank, which provides commercial and retail banking, which accounts for all of its revenues, operating income, and assets. The company is headquartered in Minerva, Ohio and currently employs 173 full-time employees. The firm is engaged in the business of commercial and retail banking. The Bank’s business involves attracting deposits from businesses and individual customers and using such deposits to originate commercial, mortgage and consumer loans in its primary market area. The Bank also invests in securities consisting primarily of United States government-sponsored entities, municipal obligations, mortgage-backed and collateralized mortgage obligations issued by Fannie Mae, Freddie Mac and Ginnie Mae. Its deposit products include business and personal savings accounts, negotiable order of withdrawal accounts, time deposits and demand accounts, as well as certificates of deposit. The Bank’s primary market area includes Carroll, Columbiana, Jefferson, Mahoning, Stark, Summit, Wayne, and contiguous counties in Ohio, Pennsylvania, and West Virginia. The Bank operates online and 21 branch locations.

Industry: National Commercial Banks Peers: Bank of the James PNC Financial Services Group Inc