Financial Snapshot

Revenue
$38.78M
TTM
Gross Margin
Net Earnings
$8.678M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q4 2024
Total Liabilities
Q4 2024
Book Value
$69.54M
Q4 2024
Cash
Q4 2024
P/E
6.708
Nov 29, 2024 EST
Free Cash Flow
$3.227M
TTM

Revenues

Revenues

Revenue YoY Change

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

No data

Gross Profit

No data

Gross Profit Margin

No data

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

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

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

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

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

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

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

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

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 $16.93M $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 -1.48% 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 $1.097B $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 $15.93M $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 -0.08% 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 $777.0K $921.0K $1.029M $1.200M $500.0K
YoY Change -15.64% -10.5% -14.25% 140.0%
Deferred Revenue
YoY Change
Short-Term Debt $30.01M $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 13.81% 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 $46.72M $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 8.06% 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 $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 $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 $1.033B $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 2.87% 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

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

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

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $58.208 Million

About CONSUMERS BANCORP INC /OH/

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 169 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 the United States government-sponsored entities, municipal obligations, mortgage-backed and collateralized mortgage obligations. 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 firm operates through its 21 full-service locations and one loan production office in Carroll, Columbiana, Jefferson, Mahoning, Stark, and Summit counties in Ohio, as well as it operates in northeast Ohio, western Pennsylvania, and northern West Virginia.

Industry: National Commercial Banks Peers: BANK OF THE JAMES FINANCIAL GROUP INC PNC FINANCIAL SERVICES GROUP, INC.