CBKM
Consumers Bancorp, Inc.
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Buy
+27/100
Last price
32.00
▼ 0.10 (0.31%)
MARKET · —
Price
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Interval
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Tool
1D
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H —
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Range —
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vs
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Open
—
Prev close
32.10
Day high
32.00
Day low
31.53
Volume
1.24K
Market cap
$101.02M
P/E (TTM)
9.01
52W range
22.20 – 34.02
Trailing performance
Returnvs SPY
1W
-1.48%
-3.1%
1M
-3.00%
-4.1%
3M
+9.40%
+6.4%
6M
+24.51%
+9.9%
YTD
+22.61%
+9.0%
1Y
+33.33%
+18.0%
3Y
+93.94%
+12.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CBKM open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
395.32K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 28, 26 | BICKERTON DAVID R. Director |
— | 129 | — | Direct |
| Sep 28, 26 | WOOD RENEE K Chief Financial Officer |
— | 387 | — | Direct |
| Sep 28, 26 | WILLIAMS DEREK G. Officer |
— | 200 | — | Direct |
| Sep 28, 26 | LOBER RALPH J II Chief Executive Officer |
— | 1.20K | — | Direct |
| Sep 28, 26 | MIKES SUZANNE N Officer |
— | 349 | — | Direct |
| Sep 28, 26 | CHUCKALOVCHAK KIMBERLY K Chief Technology Officer |
— | 190 | — | Direct |
| Sep 28, 26 | HUDAK HILLARY A Officer |
— | 198 | — | Direct |
| Sep 17, 26 | LOBER RALPH J II Officer and Director |
BUY | 70 | $2.28K | Direct |
| Sep 15, 26 | PADEN FRANK L Director |
BUY | 181 | $6.00K | Direct |
| Sep 14, 26 | LOBER RALPH J II Officer and Director |
BUY | 400 | $13.19K | Direct |
| Aug 21, 26 | MIKES SUZANNE N Officer |
BUY | 100 | $3.20K | Direct |
| Aug 11, 26 | BICKERTON DAVID R. Director |
BUY | 150 | $4.64K | Indirect |
| Jun 30, 26 | BICKERTON DAVID R. Director |
— | 801 | — | Direct |
| Jun 30, 26 | WOOD RENEE K Chief Financial Officer |
— | 498 | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
DODDS SCOTT E |
Officer | 17.47K | Conversion of Exercise of derivative security |
GORIS BRADLEY |
Director | 23.49K | Conversion of Exercise of derivative security |
KIKO RICHARD T JR |
Director | 16.70K | Conversion of Exercise of derivative security |
LOBER RALPH J II |
Chief Executive Officer | 81.35K | Conversion of Exercise of derivative security |
MCCLELLAN LAURIE LEE |
Director | 145.87K | Conversion of Exercise of derivative security |
MIKES SUZANNE N |
Officer | 10.15K | Conversion of Exercise of derivative security |
PADEN FRANK L |
Director | 13.66K | Purchase |
PARKINSON JOHN W. |
Director | 29.11K | Conversion of Exercise of derivative security |
WILLIAMS DEREK G. |
Officer | 14.60K | Conversion of Exercise of derivative security |
WOOD RENEE K |
Chief Financial Officer | 25.59K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$101.02M
Enterprise value$131.78M
Revenue (TTM)$44.65M
Gross profit$44.65M
EBITDA—
Net income$11.16M
EPS (TTM)$3.55
Free cash flow—
Total cash$26.26M
Total debt$57.03M
Book value / share$28.47
Shares outstanding3.16M
Float2.50M
Short % of float—
Dividend yield2.75%
Beta (5Y)-0.06
Valuation & profitability ratios
Trailing P/E9.01
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.12
EV / revenue2.95
EV / EBITDA—
Gross margin0.00%
Operating margin32.33%
Profit margin25.01%
Return on equity13.44%
Return on assets0.91%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2026 | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $44.09M | $37.94M | $35.44M | $37.13M | — | +16.2% |
| Operating revenue | $44.09M | $37.94M | $35.44M | $37.13M | — | +16.2% |
| Selling, general & admin | $19.95M | $17.51M | $16.30M | $15.73M | — | +14.0% |
| Pre-tax income | $13.18M | $10.32M | $10.43M | $12.92M | — | +27.6% |
| Tax provision | $2.01M | $1.66M | $1.84M | $2.25M | — | +21.5% |
| Net income | $11.16M | $8.67M | $8.58M | $10.67M | — | +28.8% |
| Net income to common | $11.16M | $8.67M | $8.58M | $10.67M | — | +28.8% |
| Basic EPS | — | — | 2.76 | 3.45 | 3.68 | — |
| Diluted EPS | — | — | 2.76 | 3.45 | 3.68 | — |
| Basic shares | — | 3.13M | 3.11M | 3.09M | 3.04M | — |
| Diluted shares | — | 3.13M | 3.11M | 3.09M | 3.04M | — |
| Line item | 2026 | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $25.88M | $19.38M | $17.71M | $14.23M | — | +33.6% |
| Accounts receivable | — | — | $23.61M | $22.97M | $10.18M | — |
| Property, plant & equipment | $19.15M | $18.69M | $16.93M | $17.18M | — | +2.5% |
| Goodwill & intangibles | $2.70M | $2.75M | $2.81M | $2.87M | — | -2.1% |
| Total assets | $1.28B | $1.17B | $1.10B | $1.06B | — | +9.9% |
| Current debt | $225.00K | $0 | $10.00M | $1.20M | — | — |
| Long-term debt | $27.01M | $22.55M | $13.71M | $8.78M | — | +19.8% |
| Total debt | $27.23M | $22.55M | $23.71M | $9.98M | — | +20.8% |
| Total liabilities | $1.19B | $1.09B | $1.03B | $1.00B | — | +9.3% |
| Retained earnings | $86.34M | $77.82M | $71.53M | $65.48M | — | +10.9% |
| Shareholder equity | $89.89M | $76.27M | $63.69M | $55.48M | — | +17.8% |
| Net tangible assets | $87.19M | $73.52M | $60.88M | $52.62M | — | +18.6% |
| Shares issued | 3.16M | 3.19M | 3.17M | 3.14M | — | -1.1% |
| Line item | 2026 | 2025 | 2024 | 2023 | YoY |
|---|---|---|---|---|---|
| Net income | $11.16M | $8.67M | $8.58M | $10.67M | +28.8% |
| Depreciation & amortisation | $1.34M | $1.21M | $1.15M | $1.11M | +10.7% |
| Change in working capital | -$1.77M | -$2.70M | -$1.23M | -$443.00K | +34.3% |
| Operating cash flow | $11.19M | $7.93M | $9.38M | $13.32M | +41.0% |
| Capital expenditure | -$1.64M | -$3.07M | -$983.00K | -$1.82M | +46.8% |
| Investing cash flow | -$104.49M | -$61.70M | -$30.45M | -$92.22M | -69.4% |
| Dividends paid | -$2.64M | -$2.38M | -$2.25M | -$2.10M | -11.0% |
| Financing cash flow | $99.66M | $55.95M | $27.04M | $69.71M | +78.1% |
| Free cash flow | $9.55M | $4.86M | $8.39M | $11.49M | +96.5% |
| End cash position | $26.26M | $19.91M | $17.72M | $11.76M | +31.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $11.24M | $11.13M | $11.10M | $10.62M | $10.06M | — | +1.0% |
| Operating revenue | $11.24M | $11.13M | $11.10M | $10.62M | $10.06M | — | +1.0% |
| Selling, general & admin | $5.33M | $4.94M | $5.01M | $4.68M | $4.74M | — | +7.9% |
| Pre-tax income | $3.48M | $3.34M | $3.25M | $3.11M | $2.71M | — | +4.0% |
| Tax provision | $517.00K | $524.00K | $495.00K | $477.00K | $415.00K | — | -1.3% |
| Net income | $2.96M | $2.82M | $2.75M | $2.63M | $2.29M | — | +5.0% |
| Net income to common | $2.96M | $2.82M | $2.75M | $2.63M | $2.29M | — | +5.0% |
| Basic EPS | 0.94 | 0.90 | 0.87 | — | 0.73 | 0.59 | +4.4% |
| Diluted EPS | 0.94 | 0.90 | 0.87 | — | 0.73 | 0.59 | +4.4% |
| Basic shares | 3.15M | 3.15M | 3.17M | 3.14M | 3.14M | — | +0.0% |
| Diluted shares | 3.15M | 3.15M | 3.17M | 3.14M | 3.14M | — | +0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $25.88M | $17.22M | $21.35M | $17.68M | $19.38M | — | +50.3% |
| Accounts receivable | — | — | — | — | — | $22.35M | — |
| Property, plant & equipment | $19.15M | $19.24M | $18.75M | $18.90M | $18.69M | — | -0.5% |
| Goodwill & intangibles | $2.70M | $2.71M | $2.73M | $2.74M | $2.75M | — | -0.6% |
| Total assets | $1.28B | $1.24B | $1.21B | $1.19B | $1.17B | — | +3.4% |
| Current debt | $225.00K | $225.00K | $2.56M | $400.00K | $0 | — | 0.0% |
| Long-term debt | $27.01M | $7.02M | $4.03M | $4.04M | $22.55M | — | +284.9% |
| Total debt | $27.23M | $7.24M | $6.58M | $4.44M | $22.55M | — | +276.0% |
| Total liabilities | $1.19B | $1.15B | $1.13B | $1.11B | $1.09B | — | +3.4% |
| Retained earnings | $86.34M | $84.04M | $81.89M | $79.79M | $77.82M | — | +2.7% |
| Shareholder equity | $89.89M | $86.85M | $86.13M | $81.62M | $76.27M | — | +3.5% |
| Net tangible assets | $87.19M | $84.14M | $83.40M | $78.88M | $73.52M | — | +3.6% |
| Shares issued | 3.16M | 3.19M | 3.19M | 3.19M | 3.19M | — | -1.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Operating cash flow | $3.58M | $1.60M | $3.48M | $2.54M | $1.54M | +123.6% |
| Capital expenditure | -$253.00K | -$836.00K | -$227.00K | -$319.00K | -$324.00K | +69.7% |
| Investing cash flow | -$32.56M | -$30.26M | -$27.95M | -$13.71M | -$44.28M | -7.6% |
| Dividends paid | -$661.00K | -$661.00K | -$661.00K | -$661.00K | -$598.00K | 0.0% |
| Financing cash flow | $37.92M | $24.47M | $19.32M | $17.94M | $28.21M | +55.0% |
| Free cash flow | $3.33M | $764.00K | $3.25M | $2.22M | $1.22M | +335.2% |
| End cash position | $26.26M | $17.32M | $21.51M | $26.67M | $19.91M | +51.6% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders12.52%
Held by institutions7.70%
Institutions holding3
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
32.46
-1.41% from price
SMA 20
32.72
-2.19% from price
SMA 50
32.03
-0.08% from price
SMA 100
30.27
+5.71% from price
SMA 200
28.16
+13.66% from price
EMA 12
32.44
-1.36% from price
EMA 26
32.40
-1.25% from price
EMA 50
31.84
+0.49% from price
RSI (14)
34.8
Neutral
MACD (12,26,9)
0.04
Hist -0.16
ATR (14)
0.69
2.15% of price
Realised vol 30D
12.0%
Annualised
Bollinger upper
33.34
20, 2σ
Bollinger lower
32.09
20, 2σ
50 / 200 cross
Golden
32.03 vs 28.16
Trend bias
Above 200
+13.66%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
-0.05
Less volatile than market
Correlation to SPY
-0.04
Largely independent
Realised vol 30D
12.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-8.9%
Peak to trough
Max drawdown 5Y
-38.6%
Peak to trough
ATR 14
0.69
2.15% of price
Beta (reported)
-0.06
5Y monthly, from filing
Dividends & splits
Forward rate$0.88 / yr
Forward yield2.75%
5-year avg yield3.46%
Payout ratio23.66%
Ex-dividend dateAug 24, 2026
Next pay dateJun 15, 2026
Last split3:1
Split dateMar 19, 2002
SEC filings
Periodic Financial Reports
10-K · 2026-09-10
Corporate Changes & Voting Matters
8-K · 2026-07-29
Corporate Changes & Voting Matters
8-K · 2026-06-30
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-04-20
Periodic Financial Reports
10-Q · 2026-02-06
Corporate Changes & Voting Matters
8-K · 2026-01-20
Periodic Financial Reports
10-Q · 2025-11-07
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.