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CBKM (Consumers Bancorp) Piotroski F-Score : 4 (As of Jul. 22, 2025)


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What is Consumers Bancorp Piotroski F-Score?

The zones of discrimination were as such:

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Consumers Bancorp has an F-score of 4 indicating the company's financial situation is typical for a stable company.

The historical rank and industry rank for Consumers Bancorp's Piotroski F-Score or its related term are showing as below:

CBKM' s Piotroski F-Score Range Over the Past 10 Years
Min: 3   Med: 5   Max: 8
Current: 4

During the past 13 years, the highest Piotroski F-Score of Consumers Bancorp was 8. The lowest was 3. And the median was 5.


Consumers Bancorp Piotroski F-Score Historical Data

The historical data trend for Consumers Bancorp's Piotroski F-Score 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 Piotroski F-Score Chart

Consumers Bancorp Annual Data
Trend Jun15 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24
Piotroski F-Score
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.00 6.00 7.00 4.00 5.00

Consumers Bancorp Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Piotroski F-Score 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 5.00 5.00 4.00 4.00 4.00

Competitive Comparison of Consumers Bancorp's Piotroski F-Score

For the Banks - Regional subindustry, Consumers Bancorp's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Consumers Bancorp's Piotroski F-Score distribution charts can be found below:

* The bar in red indicates where Consumers Bancorp's Piotroski F-Score falls into.


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How is the Piotroski F-Score calculated?

* 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.

This Year (Mar25) TTM:Last Year (Mar24) TTM:
Net Income was 2.103 + 2.236 + 2.287 + 1.851 = $8.48 Mil.
Cash Flow from Operations was 1.644 + 1.142 + 3.214 + 2.038 = $8.04 Mil.
Revenue was 8.798 + 9.074 + 9.37 + 9.438 = $36.68 Mil.
Average Total Assets from the begining of this year (Mar24)
to the end of this year (Mar25) was
(1090.887 + 1097.089 + 1123.853 + 1111.193 + 1133.769) / 5 = $1111.3582 Mil.
Total Assets at the begining of this year (Mar24) was $1,090.89 Mil.
Long-Term Debt & Capital Lease Obligation was $4.07 Mil.
Total Assets was $1,133.77 Mil.
Total Liabilities was $1,060.31 Mil.
Net Income was 2.694 + 2.41 + 2.015 + 2.052 = $9.17 Mil.

Revenue was 9.088 + 8.999 + 8.898 + 8.747 = $35.73 Mil.
Average Total Assets from the begining of last year (Mar23)
to the end of last year (Mar24) was
(1049.369 + 1060.024 + 1057.516 + 1081.344 + 1090.887) / 5 = $1067.828 Mil.
Total Assets at the begining of last year (Mar23) was $1,049.37 Mil.
Long-Term Debt & Capital Lease Obligation was $8.12 Mil.
Total Assets was $1,090.89 Mil.
Total Liabilities was $1,028.79 Mil.

*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.

Profitability

Question 1. Return on Assets (ROA)

Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Consumers Bancorp's current Net Income (TTM) was 8.48. ==> Positive ==> Score 1.

Question 2. Cash Flow Return on Assets (CFROA)

Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Consumers Bancorp's current Cash Flow from Operations (TTM) was 8.04. ==> Positive ==> Score 1.

Question 3. Change in Return on Assets

Compare this year's return on assets (1) to last year's return on assets.

Score 1 if it's higher, 0 if it's lower.

ROA (This Year)=Net Income/Total Assets (Mar24)
=8.477/1090.887
=0.00777074

ROA (Last Year)=Net Income/Total Assets (Mar23)
=9.171/1049.369
=0.00873954

Consumers Bancorp's return on assets of this year was 0.00777074. Consumers Bancorp's return on assets of last year was 0.00873954. ==> Last year is higher ==> Score 0.

Question 4. Quality of Earnings (Accrual)

Compare Cash flow return on assets (2) to return on assets (1)

Score 1 if CFROA > ROA, 0 if CFROA <= ROA.

Consumers Bancorp's current Net Income (TTM) was 8.48. Consumers Bancorp's current Cash Flow from Operations (TTM) was 8.04. ==> 8.04 <= 8.48 ==> CFROA <= ROA ==> Score 0.

Funding

Question 5. Change in Gearing or Leverage

Compare this year's gearing (long-term debt divided by average total assets) to last year's gearing.

Score 0 if this year's gearing is higher, 1 otherwise.

Gearing (This Year: Mar25)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Mar24 to Mar25
=4.065/1111.3582
=0.00365769

Gearing (Last Year: Mar24)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Mar23 to Mar24
=8.122/1067.828
=0.00760609

Consumers Bancorp's gearing of this year was 0.00365769. Consumers Bancorp's gearing of last year was 0.00760609. ==> This year is lower or equal to last year. ==> Score 1.

Question 6. Change in Working Capital (Liquidity)

Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.

Score 1 if this year's current ratio is higher, 0 if it's lower

* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.

Current Ratio (This Year: Mar25)=Total Assets/Total Liabilities
=1133.769/1060.312
=1.06927867

Current Ratio (Last Year: Mar24)=Total Assets/Total Liabilities
=1090.887/1028.79
=1.06035926

Consumers Bancorp's current ratio of this year was 1.06927867. Consumers Bancorp's current ratio of last year was 1.06035926. ==> This year's current ratio is higher. ==> Score 1.

Question 7. Change in Shares in Issue

Compare the number of shares in issue this year, to the number in issue last year.

Score 0 if there is larger number of shares in issue this year, 1 otherwise.

Consumers Bancorp's number of shares in issue this year was 3.139. Consumers Bancorp's number of shares in issue last year was 3.116. ==> There is larger number of shares in issue this year. ==> Score 0.

Efficiency

Question 8. Change in Gross Margin

Compare this year's gross margin (Gross Profit divided by sales) to last year's.

Score 1 if this year's gross margin is higher, 0 if it's lower.

* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.

Net Margin (This Year: TTM)=Net Income/Revenue
=8.477/36.68
=0.23110687

Net Margin (Last Year: TTM)=Net Income/Revenue
=9.171/35.732
=0.2566607

Consumers Bancorp's net margin of this year was 0.23110687. Consumers Bancorp's net margin of last year was 0.2566607. ==> Last year's net margin is higher ==> Score 0.

Question 9. Change in asset turnover

Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.

Score 1 if this year's asset turnover ratio is higher, 0 if it's lower

Asset Turnover (This Year)=Revenue/Total Assets at the Beginning of This Year (Mar24)
=36.68/1090.887
=0.03362401

Asset Turnover (Last Year)=Revenue/Total Assets at the Beginning of Last Year (Mar23)
=35.732/1049.369
=0.03405094

Consumers Bancorp's asset turnover of this year was 0.03362401. Consumers Bancorp's asset turnover of last year was 0.03405094. ==> Last year's asset turnover is higher ==> Score 0.

Evaluation

Piotroski F-Score= Que. 1+ Que. 2+ Que. 3+Que. 4+Que. 5+Que. 6+Que. 7+Que. 8+Que. 9
=1+1+0+0+1+1+0+0+0
=4

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Consumers Bancorp has an F-score of 4 indicating the company's financial situation is typical for a stable company.

Consumers Bancorp  (OTCPK:CBKM) Piotroski F-Score Explanation

The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.

He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.

In 2000, he wrote a research paper called "Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers" (pdf).

He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.

What he found was something that exceeded his most optimistic expectations.

Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.

Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).

Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.


Consumers Bancorp Piotroski F-Score Related Terms

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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. 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.
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
John W Parkinson director 199 ORLANDO MANOR, WINTERSVILLE OH 43953
Bradley Goris director 3075 SOUTH UNION AVE, ALLIANCE OH 44601-5362
Shawna L'italien director 617 BRICKER FARMS LANE, SALEM OH 44460
Derek G Williams officer: SVP, Training & Sales Develop 1221 CENTURY HILL STREET, LOUISVILLE OH 44641-2720
Laurie L Mcclellan director, 10 percent owner, officer: CHAIRMAN OF BOD 28 TEPEE DR, MINERVA OH 44644
Kiko Richard T Jr director 103 OVERWOOD RD, AKRON OH 44313
Scott E Dodds officer: EVP, Senior Loan Officer 2669 MT PLEASANT ST NE, NORTH CANTON OH 44721
Suzanne N Mikes officer: VP, Chief Credit Officer 4028 TROON DR, UNIONTOWN OH 44685
Renee Wood officer: Chief Financial Officer 1025 40TH STREET NE, CANTON OH 44714
Ann M Gano director 2053 MAY VALLEY RD SW, NEW PHILADELPHIA OH 44663
Schmuck Harry W Jr director 7200 RAVENNA AVE, LOUISVILLE OH 44641
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