Consumers BancorpCBKM +3.47%63 FCF Margin % is 6.87% as of Mar. 2026, which is 73% below its 10-year median of 25.87. 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. Among 1,504 Banks companies, Consumers Bancorp ranks worse than 60.9% on this metric.
The historical rank and industry rank for Consumers Bancorp's FCF Margin % or its related term are showing as below:
CBKM'
s FCF Margin % Range Over the Past 10 Years
Min: 7.59 Med: 25.87 Max: 42.92
Current: 17.35
During the past 13 years, the highest FCF Margin % of Consumers Bancorp was 42.92%. The lowest was 7.59%. And the median was 25.87%.
CBKM's FCF Margin % is ranked worse than 60.9% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs CBKM: 17.35
Consumers Bancorp FCF Margin % Related Terms
Consumers Bancorp FCF Margin % Historical Data
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The historical data trend for Consumers Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Consumers Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Consumers Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 6.87% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Consumers Bancorp and its competitors. This is 73% below median its historical median of 25.87. Over the past decade, Consumers Bancorp's FCF Margin % has ranged from 7.59 to 42.92. According to the industry distribution chart, Consumers Bancorp ranks #916 out of 1504 companies in the Banks industry, placing it in the top 60.9%.
Is Consumers Bancorp's FCF Margin % too high?
Consumers Bancorp's current FCF Margin % of 6.87% is 73% below median its 10-year median of 25.87. Over the past 10 years, this metric has ranged from a low of 7.59 to a high of 42.92. The Banks industry median FCF Margin % is 26.50. Consumers Bancorp's value of 6.87% is 74.1% below this industry median. Based on the distribution chart, Consumers Bancorp ranks #916 out of 1504 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 FCF Margin % compare to PBKC and CULL?
According to the Banks industry distribution chart, Consumers Bancorp ranks #916 out of 1504 companies for FCF Margin %. This places Consumers Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.50. Consumers Bancorp's value of 6.87% is 74.1% below this benchmark. Historically, Consumers Bancorp's own FCF Margin % has ranged from 7.59 to 42.92 over the past decade. While the company's 10-year median is 25.87 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumers Bancorp's current FCF Margin % of 6.87% is 74.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Consumers Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumers Bancorp's current FCF Margin % is 6.87%, which is 73% below median its own 10-year median of 25.87. 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 FCF Margin % is 6.87%, which is 73% below median its 10-year median of 25.87 and 74.1% below the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Consumers Bancorp (CBKM), the current FCF Margin % is 6.87% 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:
FCF Margin %: 6.87% (73% below median its 10-year median of 25.87)
GF Value™: $22.33 vs. price of $29.49 (32.1% above fair value)
Industry Position: 74.1% below the Banks median (#916 of 1504)
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
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