Consumers Bancorp Inc (CBKM)

Name: Consumers Bancorp Inc Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-12-31

Latest Quarter

2025-12-31

Revenue

$16.4M

Net Income

$2.8M

Operating Margin

19.8%

Free Cash Flow

$4.9M

Debt / Assets

93.5%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for Consumers Bancorp Inc (CBKM).
Income Statement (Quarterly)	2025-12-31	2025-09-30	2025-03-31	2024-12-31
Revenue	16,390,999	15,468,000	14,186,000	13,215,000
Cost of Revenue	0	5,132,000	14,186,000	3,845,000
Gross Profit	0	10,336,000	0	9,370,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	0	4,680,000	0	473,000
Operating Expenses	0	7,225,000	0	473,000
Operating Income	3,250,000	3,111,000	2,125,000	2,775,000
Interest Expense	0	4,847,000	0	4,896,000
Income Before Tax	3,250,000	3,111,000	2,125,000	2,775,000
Income Tax Expense	495,000	477,000	274,000	488,000
Net Income	2,755,000	2,634,000	1,851,000	2,287,000
Per Share
EPS	0.87	0.84	0.59	0.73
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for Consumers Bancorp Inc (CBKM).
Income Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Revenue	56,881,000	52,668,000	38,462,000	1,199,000	29,957,000
Cost of Revenue	20,089,000	17,845,000	0	0	0
Gross Profit	36,792,000	34,823,000	38,462,000	1,199,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	17,508,000	16,305,000	15,730,000	15,673,000	12,748,000
Operating Expenses	26,468,000	24,398,000	-25,540,000	13,746,000	0
Operating Income	10,324,000	10,425,000	12,922,000	14,945,000	0
Interest Expense	18,942,000	17,226,000	7,224,000	1,414,000	1,900,000
Income Before Tax	10,324,000	10,425,000	12,922,000	13,531,000	10,838,000
Income Tax Expense	1,657,000	1,845,000	2,248,000	2,339,000	1,850,000
Net Income	8,667,000	8,580,000	10,674,000	11,192,000	8,988,000
Per Share
EPS	2.77	2.76	3.45	3.68	2.98
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for Consumers Bancorp Inc (CBKM).
Balance Sheet (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Assets
Cash and Cash Equivalents	19,377,000	17,709,000	14,256,000	24,733,000
Short Term Investments	161,734,000	-268,143,000	279,605,000	296,347,000
Net Receivables	0	0	0	10,184,000
Inventory	0	0	-40,247,000	0
Total Current Assets	181,111,000	21,283,000	293,861,000	653,249,000
Property Plant Equipment	18,688,000	16,927,000	17,182,000	16,521,000
Goodwill and Intangibles	2,753,000	2,809,000	2,866,000	2,922,000
Total Assets	1,165,008,000	1,097,089,000	1,060,024,000	977,313,000
Liabilities
Account Payables	0	0	16,864,000	7,230,000
Short Term Debt	15,511,000	10,000,000	1,200,000	1,270,000
Total Current Liabilities	1,052,329,000	10,000,000	1,200,000	7,230,000
Long Term Debt	22,551,000	13,699,400	8,776,000	8,256,000
Total Liabilities	1,088,737,000	1,033,404,000	1,200,000	923,343,000
Shareholders Equity
Retained Earnings	77,818,000	71,534,000	65,485,000	56,906,000
Total Shareholders Equity	76,271,000	63,685,000	55,484,000	53,970,000

Balance sheet annual history for Consumers Bancorp Inc (CBKM).
Balance Sheet (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Assets
Cash and Cash Equivalents	19,377,000	17,709,000	14,256,000	24,733,000	14,727,000
Short Term Investments	161,734,000	-268,143,000	279,605,000	296,347,000	207,760,000
Net Receivables	0	0	0	10,184,000	2,825,000
Inventory	0	0	-40,247,000	0	0
Total Current Assets	181,111,000	21,283,000	293,861,000	653,249,000	600,766,000
Property Plant Equipment	18,688,000	16,927,000	17,182,000	16,521,000	15,793,000
Goodwill and Intangibles	2,753,000	2,809,000	2,866,000	2,922,000	1,065,000
Total Assets	1,165,008,000	1,097,089,000	1,060,024,000	977,313,000	833,804,000
Liabilities
Account Payables	0	0	16,864,000	7,230,000	6,802,000
Short Term Debt	15,511,000	10,000,000	1,200,000	1,270,000	0
Total Current Liabilities	1,052,329,000	10,000,000	1,200,000	7,230,000	0
Long Term Debt	22,551,000	13,699,400	8,776,000	8,256,000	18,050,000
Total Liabilities	1,088,737,000	1,033,404,000	1,200,000	923,343,000	763,904,000
Shareholders Equity
Retained Earnings	77,818,000	71,534,000	65,485,000	56,906,000	47,663,000
Total Shareholders Equity	76,271,000	63,685,000	55,484,000	53,970,000	69,900,000

Cash flow quarterly history for Consumers Bancorp Inc (CBKM).
Cash Flow Statement (Quarterly)	2025-06-30	2024-06-30	2023-06-30	2022-06-30
Operating Activities
Net Income	8,667,000	8,580,000	10,674,000	11,192,000
Depreciation & Amortization	1,213,000	1,152,000	1,107,000	1,045,000
Stock Based Compensation	0	0	579,000	361,000
Change in Working Capital	-2,696,000	-950,000	-443,000	59,000
Operating Cash Flow	7,934,000	9,376,000	13,316,000	14,947,000
Investing Activities
Capital Expenditure	-3,071,000	-983,000	-1,821,000	-1,477,000
Investments	-3,071,000	-983,000	-1,821,000	-1,477,000
Investing Cash Flow	-61,697,000	-30,446,000	-92,219,000	-65,222,000
Financing Activities
Debt Repayment	-5,654,000	8,573,000	-16,480,000	-9,794,000
Common Stock Issued/Repurchased	0	2,000	88,043,000	174,000
Dividends Paid	-2,383,000	-2,246,000	-2,095,000	-1,949,000
Financing Cash Flow	55,948,000	27,038,000	69,706,000	52,698,000
Summary
Free Cash Flow	4,863,000	8,393,000	11,495,000	13,470,000
Net Change in Cash	2,185,000	5,968,000	-9,197,000	2,423,000

Cash flow annual history for Consumers Bancorp Inc (CBKM).
Cash Flow Statement (Annual)	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Operating Activities
Net Income	8,667,000	8,580,000	10,674,000	11,192,000	8,988,000
Depreciation & Amortization	1,213,000	1,152,000	1,107,000	1,045,000	967,000
Stock Based Compensation	0	0	579,000	361,000	0
Change in Working Capital	-2,696,000	-950,000	-443,000	59,000	1,291,000
Operating Cash Flow	7,934,000	9,376,000	13,316,000	14,947,000	14,013,000
Investing Activities
Capital Expenditure	-3,071,000	-983,000	-1,821,000	-1,477,000	-1,154,000
Investments	-3,071,000	-983,000	-1,821,000	-1,477,000	-1,154,000
Investing Cash Flow	-61,697,000	-30,446,000	-92,219,000	-65,222,000	-89,001,000
Financing Activities
Debt Repayment	-5,654,000	8,573,000	-16,480,000	-9,794,000	-14,411,000
Common Stock Issued/Repurchased	0	2,000	88,043,000	174,000	0
Dividends Paid	-2,383,000	-2,246,000	-2,095,000	-1,949,000	-1,785,000
Financing Cash Flow	55,948,000	27,038,000	69,706,000	52,698,000	83,858,000
Summary
Free Cash Flow	4,863,000	8,393,000	11,495,000	13,470,000	12,859,000
Net Change in Cash	2,185,000	5,968,000	-9,197,000	2,423,000	8,870,000