CBKM (Consumers Bancorp) E10: $2.87 (As of Mar. 2026)


CBKM Consumers Bancorp Inc CBKM
63 GF Score
Price $29.49
GF Value $22.33
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Consumers Bancorp E10?

Consumers Bancorp CBKM +3.47% 63 E10 is $2.87 as of Mar. 2026. GuruFocus rates CBKM with a GF Score™ of 63/100 and a GF Value™ of $22.33 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Consumers Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.900. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.87 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Consumers Bancorp's average E10 Growth Rate was 10.80% per year. During the past 3 years, the average E10 Growth Rate was 9.70% per year. During the past 5 years, the average E10 Growth Rate was 13.70% per year. During the past 10 years, the average E10 Growth Rate was 10.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Consumers Bancorp was 17.10% per year. The lowest was 0.30% per year. And the median was 4.20% per year.

As of today (2026-06-25), Consumers Bancorp's current stock price is $29.49. Consumers Bancorp's E10 for the quarter that ended in Mar. 2026 was $2.87. Consumers Bancorp's Shiller PE Ratio of today is 10.28.

During the past 13 years, the highest Shiller PE Ratio of Consumers Bancorp was 21.19. The lowest was 6.54. And the median was 11.89.


Consumers Bancorp  (OTCPK:CBKM) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Consumers Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=29.49/2.87
=10.28

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Consumers Bancorp was 21.19. The lowest was 6.54. And the median was 11.89.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Consumers Bancorp E10 Related Terms


Consumers Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Consumers Bancorp's E10 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 E10 Chart

Consumers Bancorp Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.65 2.01 2.25 2.45 2.65

Consumers Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 2.59 2.65 2.72 2.77 2.87

CBKM vs PBKC, CULL, PBHC: E10 Comparison

For the Banks - Regional subindustry, Consumers Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Consumers Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Consumers Bancorp's Shiller PE Ratio falls into.


CBKM
63GF Score
Consumers Bancorp Inc CBKM
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Consumers Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Consumers Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.9/330.2130*330.2130
=0.900

Current CPI (Mar. 2026) = 330.2130.

Consumers Bancorp Quarterly Data

per share eps CPI Adj_EPS
201606 0.030 241.018 0.041
201609 0.330 241.428 0.451
201612 0.270 241.432 0.369
201703 0.210 243.801 0.284
201706 0.300 244.955 0.404
201709 0.340 246.819 0.455
201712 0.240 246.524 0.321
201803 0.330 249.554 0.437
201806 0.400 251.989 0.524
201809 0.610 252.439 0.798
201812 0.680 251.233 0.894
201903 0.380 254.202 0.494
201906 0.370 256.143 0.477
201909 0.550 256.759 0.707
201912 0.530 256.974 0.681
202003 0.340 258.115 0.435
202006 0.520 257.797 0.666
202009 0.800 260.280 1.015
202012 0.830 260.474 1.052
202103 0.700 264.877 0.873
202106 0.650 271.696 0.790
202109 0.880 274.310 1.059
202112 1.040 278.802 1.232
202203 0.850 287.504 0.976
202206 0.910 296.311 1.014
202209 0.830 296.808 0.923
202212 0.910 296.797 1.012
202303 0.860 301.836 0.941
202306 0.870 305.109 0.942
202309 0.780 307.789 0.837
202312 0.650 306.746 0.700
202403 0.660 312.332 0.698
202406 0.670 314.175 0.704
202409 0.720 315.301 0.754
202412 0.730 315.605 0.764
202503 0.590 319.799 0.609
202506 0.730 322.561 0.747
202509 0.840 324.800 0.854
202512 0.870 324.054 0.887
202603 0.900 330.213 0.900

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.87 mean?
Consumers Bancorp (CBKM) has a E10 of $2.87 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Consumers Bancorp and its competitors.
Is Consumers Bancorp's E10 too high?
Consumers Bancorp's current E10 is $2.87. Overall, Consumers Bancorp has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Consumers Bancorp's E10 compare to PBKC and CULL?
Consumers Bancorp's E10 of $2.87 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Consumers Bancorp and its competitors. Consumers Bancorp's current E10 is $2.87. 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 $22.33, compared to a current price of $29.49 — trading 32.1% above its estimated fair value. The current E10 is $2.87. Consumers Bancorp's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Consumers Bancorp (CBKM), the current E10 is $2.87 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 $29.49 is trading 32.1% above its estimated GF Value™ of $22.33. GuruFocus considers Consumers Bancorp to be Significantly Overvalued.

Key valuation signals for CBKM:

  • E10: $2.87
  • GF Value™: $22.33 vs. price of $29.49 (32.1% above fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for CBKM

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.49
Price
$22.33
GF Value