CBKM (Consumers Bancorp) Debt-to-Asset : 0.01 (As of Mar. 2026)

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CBKM Consumers Bancorp Inc CBKM
60 GF Score
Price $32.99
GF Value $22.55
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Consumers Bancorp Debt-to-Asset?

Consumers Bancorp CBKM 60 Debt-to-Asset is 0.01 as of Mar. 2026. GuruFocus rates CBKM with a GF Score™ of 60/100 and a GF Value™ of $22.55 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Consumers Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $0.23 Mil. Consumers Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $7.02 Mil. Consumers Bancorp's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Mar. 2026 was $1,238.17 Mil. Consumers Bancorp's debt to asset for the quarter that ended in Mar. 2026 was 0.01.

Consumers Bancorp  (OTCPK:CBKM) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Consumers Bancorp Debt-to-Asset Related Terms

Consumers Bancorp Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Consumers Bancorp's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Consumers Bancorp Debt-to-Asset Chart

Consumers Bancorp Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.01 0.02 0.02 0.00

Consumers Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.02 0.00 0.01 0.01 0.00

CBKM vs USMT, BKSC, CYVF: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Consumers Bancorp's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Consumers Bancorp Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Consumers Bancorp's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Consumers Bancorp's Debt-to-Asset falls into.


CBKM
60GF Score
Consumers Bancorp Inc CBKM
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Consumers Bancorp Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Consumers Bancorp's Debt-to-Asset for the fiscal year that ended in Jun. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 22.551) / 1165.008
=0.02

Consumers Bancorp's Debt-to-Asset for the quarter that ended in Mar. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0.225 + 7.017) / 1238.168
=0.01

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.01 mean?
Consumers Bancorp (CBKM) has a Debt-to-Asset of 0.01 as of Mar. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Consumers Bancorp and its competitors.
Is Consumers Bancorp's Debt-to-Asset too high?
Consumers Bancorp's current Debt-to-Asset is 0.01. Overall, Consumers Bancorp has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Consumers Bancorp's Debt-to-Asset compare to USMT and BKSC?
Consumers Bancorp's Debt-to-Asset of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Consumers Bancorp and its competitors. Consumers Bancorp's current Debt-to-Asset is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Consumers Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Consumers Bancorp (CBKM) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.55, compared to a current price of $32.99 — trading 46.3% above its estimated fair value. The current Debt-to-Asset is 0.01. Consumers Bancorp's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Consumers Bancorp (CBKM), the current Debt-to-Asset is 0.01 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Consumers Bancorp (CBKM) Overvalued in 2026?

Based on GuruFocus' analysis, Consumers Bancorp stock appears to be overvalued. The current stock price of $32.99 is trading 46.3% above its estimated GF Value™ of $22.55. GuruFocus considers Consumers Bancorp to be Significantly Overvalued.

Key valuation signals for CBKM:

  • Debt-to-Asset: 0.01
  • GF Value™: $22.55 vs. price of $32.99 (46.3% above fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the CBKM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Consumers Bancorp Business Description

Address 614 East Lincoln Way, P.O. Box 256, Minerva, OH, USA, 44657
Consumers Bancorp Inc is engaged in the financial services sector. It is a bank holding company for Consumers National Bank and performs commercial and retail banking tasks. Through the bank, its business involves offering commercial and consumer loan and deposit products, as well as mortgage, financial planning, and investment services to individuals, farmers, and small and medium-sized businesses. It also invests in securities consisting predominantly of obligations of U.S. government-sponsored agencies, municipal obligations, and mortgage-backed securities issued by U.S. government-sponsored entities.
60GF Score

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Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.99
Price
$22.55
GF Value