Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Consumers BancorpCBKM +0.84%63 EV-to-FCF is 11.32 as of Jul. 26, 2026, which is 24% above its 10-year median of 9.13. GuruFocus rates CBKM with a GF Score™ of 63/100 and a GF Value™ of $22.34 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,192 Banks companies, Consumers Bancorp ranks worse than 65.35% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Consumers Bancorp's Enterprise Value is $84.30 Mil.
Consumers Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $7.45 Mil. Therefore, Consumers Bancorp's EV-to-FCF for today is 11.32.
The historical rank and industry rank for Consumers Bancorp's EV-to-FCF or its related term are showing as below:
CBKM'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.11 Med: 9.13 Max: 38.37
Current: 11.32
During the past 13 years, the highest EV-to-FCF of Consumers Bancorp was 38.37. The lowest was 3.11. And the median was 9.13.
CBKM's EV-to-FCF is ranked worse than 65.35% of 1192
companies
in the Banks industry
Industry Median: 6.68
vs CBKM: 11.32
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Consumers Bancorp's PE Ratio (TTM) for today is calculated as:
Consumers Bancorp's share price for today is $29.98.
Consumers Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.340.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Consumers Bancorp EV-to-FCF Related Terms
Consumers Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Consumers Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Consumers Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Consumers Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Consumers Bancorp's EV-to-FCF falls into.
Consumers Bancorp's current Enterprise Value is $84.30 Mil.
Consumers Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.45 Mil.
* 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 EV-to-FCF of 11.32 as of Jul. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Consumers Bancorp and its competitors. This is 24% above median its historical median of 9.13. Over the past decade, Consumers Bancorp's EV-to-FCF has ranged from 3.11 to 38.37. According to the industry distribution chart, Consumers Bancorp ranks #779 out of 1192 companies in the Banks industry, placing it in the top 65.4%.
Is Consumers Bancorp's EV-to-FCF too high?
Consumers Bancorp's current EV-to-FCF of 11.32 is 24% above median its 10-year median of 9.13. Over the past 10 years, this metric has ranged from a low of 3.11 to a high of 38.37. The Banks industry median EV-to-FCF is 6.68. Consumers Bancorp's value of 11.32 is 69.5% above this industry median. Based on the distribution chart, Consumers Bancorp ranks #779 out of 1192 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to PBKC and UBCP?
According to the Banks industry distribution chart, Consumers Bancorp ranks #779 out of 1192 companies for EV-to-FCF. This places Consumers Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.68. Consumers Bancorp's value of 11.32 is 69.5% above this benchmark. Historically, Consumers Bancorp's own EV-to-FCF has ranged from 3.11 to 38.37 over the past decade. While the company's 10-year median is 9.13 vs. the industry median of 6.68, Consumers Bancorp has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumers Bancorp's current EV-to-FCF of 11.32 is 69.5% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Consumers Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumers Bancorp's current EV-to-FCF is 11.32, which is 24% above median its own 10-year median of 9.13. 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 $22.34, compared to a current price of $29.98 — trading 34.2% above its estimated fair value. The current EV-to-FCF is 11.32, which is 24% above median its 10-year median of 9.13 and 69.5% above the Banks industry median of 6.68. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Consumers Bancorp (CBKM), the current EV-to-FCF is 11.32 as of Jul. 26, 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 $29.98 is trading 34.2% above its estimated GF Value™ of $22.34.
GuruFocus considers Consumers Bancorp to be Significantly Overvalued.
Key valuation signals for CBKM:
EV-to-FCF: 11.32 (24% above median its 10-year median of 9.13)
GF Value™: $22.34 vs. price of $29.98 (34.2% above fair value)
Industry Position: 69.5% above the Banks median (#779 of 1192)
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
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CBKM has been successfully added to your 
