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Consumers Bancorp (Consumers Bancorp) E10 : $2.33 (As of Dec. 2023)


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What is Consumers Bancorp E10?

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 Dec. 2023 was $0.650. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.33 for the trailing ten years ended in Dec. 2023.

During the past 12 months, Consumers Bancorp's average E10 Growth Rate was 11.00% per year. During the past 3 years, the average E10 Growth Rate was 17.10% per year. During the past 5 years, the average E10 Growth Rate was 13.80% per year. During the past 10 years, the average E10 Growth Rate was 7.80% 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 -2.50% per year. And the median was 2.40% per year.

As of today (2024-04-27), Consumers Bancorp's current stock price is $16.25. Consumers Bancorp's E10 for the quarter that ended in Dec. 2023 was $2.33. Consumers Bancorp's Shiller PE Ratio of today is 6.97.

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 14.59.


Consumers Bancorp E10 Historical Data

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.

* Premium members only.

Consumers Bancorp E10 Chart

Consumers Bancorp Annual Data
Trend Jun14 Jun15 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.32 1.40 1.65 2.01 2.25

Consumers Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
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 2.18 2.25 2.31 2.33 -

Competitive Comparison of Consumers Bancorp's E10

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's Shiller PE Ratio Distribution in the 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.



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 Dec. 2023 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.65/129.4194*129.4194
=0.650

Current CPI (Dec. 2023) = 129.4194.

Consumers Bancorp Quarterly Data

per share eps CPI Adj_EPS
201403 0.250 99.695 0.325
201406 0.290 100.560 0.373
201409 0.280 100.428 0.361
201412 0.300 99.070 0.392
201503 0.230 99.621 0.299
201506 0.280 100.684 0.360
201509 0.270 100.392 0.348
201512 0.230 99.792 0.298
201603 0.260 100.470 0.335
201606 0.030 101.688 0.038
201609 0.330 101.861 0.419
201612 0.270 101.863 0.343
201703 0.210 102.862 0.264
201706 0.300 103.349 0.376
201709 0.340 104.136 0.423
201712 0.240 104.011 0.299
201803 0.330 105.290 0.406
201806 0.400 106.317 0.487
201809 0.610 106.507 0.741
201812 0.680 105.998 0.830
201903 0.380 107.251 0.459
201906 0.370 108.070 0.443
201909 0.550 108.329 0.657
201912 0.530 108.420 0.633
202003 0.340 108.902 0.404
202006 0.520 108.767 0.619
202009 0.800 109.815 0.943
202012 0.830 109.897 0.977
202103 0.700 111.754 0.811
202106 0.650 114.631 0.734
202109 0.880 115.734 0.984
202112 1.040 117.630 1.144
202203 0.850 121.301 0.907
202206 0.910 125.017 0.942
202209 0.830 125.227 0.858
202212 0.910 125.222 0.941
202303 0.860 127.348 0.874
202306 0.870 128.729 0.875
202309 0.780 129.860 0.777
202312 0.650 129.419 0.650

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


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
=16.25/2.33
=6.97

* 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 14.59.


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

Thank you for viewing the detailed overview of Consumers Bancorp's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Consumers Bancorp (Consumers Bancorp) Business Description

Traded in Other Exchanges
N/A
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. Its business involves attracting deposits from businesses and individual customers and using such deposits to originate a commercial, mortgage and consumer loans in the United States market. The company's business banking division provides checking, including business entree checking, business savings, loans and cash management services. Its personal banking services include checking, mortgage loans, loans and credit and savings, CDS and IRAS.
Executives
Lober Ralph J Ii director, officer: CEO/President 9084 EMERALD ISLE ST NW, CANAL FULTON OH 44614
Frank L Paden director 7465 JAGUAR DR, BOARDMAN OH 44512
Suzanne N Mikes officer: VP, Chief Credit Officer 4028 TROON DR, UNIONTOWN OH 44685
Bradley Goris director 3075 SOUTH UNION AVE, ALLIANCE OH 44601-5362
John W Parkinson director 199 ORLANDO MANOR, WINTERSVILLE OH 43953
Kiko Richard T Jr director 103 OVERWOOD RD, AKRON OH 44313
Derek G Williams officer: SVP, Training & Sales Develop 1221 CENTURY HILL STREET, LOUISVILLE OH 44641-2720
Shawna L'italien director 617 BRICKER FARMS LANE, SALEM OH 44460
Ann M Gano director 2053 MAY VALLEY RD SW, NEW PHILADELPHIA OH 44663
Laurie L Mcclellan director, 10 percent owner, officer: CHAIRMAN OF BOD 28 TEPEE DR, MINERVA OH 44644
Schmuck Harry W Jr director 7200 RAVENNA AVE, LOUISVILLE OH 44641
Scott E Dodds officer: EVP, Senior Loan Officer 2669 MT PLEASANT ST NE, NORTH CANTON OH 44721
John P/ Furey director 8050 AVALON RD NW, MALVERN OH 44644
Kimberly K Chuckalovchak officer: SVP, Chief Information Officer 10020 LINDEN RD NW, MINERVA OH 44657
Hillary A Hudak officer: SVP, Chief People Officer 3037 KINGSTON CIR, SILVER LAKE OH 44224

Consumers Bancorp (Consumers Bancorp) Headlines

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