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Consumers BancorpCBKM 63 Equity-to-Asset is 0.07 as of Mar. 2026, which is 13% below its 10-year median of 0.08. GuruFocus rates CBKM with a GF Score™ of 63/100 and a GF Value™ of $22.54 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, Consumers Bancorp ranks worse than 76.51% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Consumers Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $86.85 Mil. Consumers Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $1,238.17 Mil.
Therefore, Consumers Bancorp's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.07.
The historical rank and industry rank for Consumers Bancorp's Equity-to-Asset or its related term are showing as below:
CBKM'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04 Med: 0.08 Max: 0.1
Current: 0.07
During the past 13 years, the highest Equity to Asset Ratio of Consumers Bancorp was 0.10. The lowest was 0.04. And the median was 0.08.
CBKM's Equity-to-Asset is ranked worse than 76.51% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs CBKM: 0.07
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Consumers Bancorp Equity-to-Asset Related Terms
Consumers Bancorp Equity-to-Asset Historical Data
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The historical data trend for Consumers Bancorp's Equity-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.
CBKM vs UBCP, NACB, FDVA: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Consumers Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Consumers Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Consumers Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Consumers Bancorp's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 (CBKM) has a Equity-to-Asset of 0.07 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Consumers Bancorp and its competitors. This is 13% below median its historical median of 0.08. Over the past decade, Consumers Bancorp's Equity-to-Asset has ranged from 0.04 to 0.10. According to the industry distribution chart, Consumers Bancorp ranks #1166 out of 1524 companies in the Banks industry, placing it in the top 76.5%.
Is Consumers Bancorp's Equity-to-Asset too high?
Consumers Bancorp's current Equity-to-Asset of 0.07 is 13% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Consumers Bancorp's value of 0.07 is 30% below this industry median. Based on the distribution chart, Consumers Bancorp ranks #1166 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Equity-to-Asset compare to UBCP and NACB?
According to the Banks industry distribution chart, Consumers Bancorp ranks #1166 out of 1524 companies for Equity-to-Asset. This places Consumers Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Consumers Bancorp's value of 0.07 is 30% below this benchmark. Historically, Consumers Bancorp's own Equity-to-Asset has ranged from 0.04 to 0.10 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Consumers Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumers Bancorp's current Equity-to-Asset of 0.07 is 30% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Consumers Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumers Bancorp's current Equity-to-Asset is 0.07, which is 13% below median its own 10-year median of 0.08. 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 $22.54, compared to a current price of $32.00 — trading 42% above its estimated fair value. The current Equity-to-Asset is 0.07, which is 13% below median its 10-year median of 0.08 and 30% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Consumers Bancorp (CBKM), the current Equity-to-Asset is 0.07 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 $32.00 is trading 42% above its estimated GF Value™ of $22.54.
GuruFocus considers Consumers Bancorp to be Significantly Overvalued.
Key valuation signals for CBKM:
Equity-to-Asset: 0.07 (13% below median its 10-year median of 0.08)
GF Value™: $22.54 vs. price of $32.00 (42% above fair value)
Industry Position: 30% below the Banks median (#1166 of 1524)
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 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
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