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CBKM (Consumers Bancorp) GF Value : $18.09 (As of Jul. 16, 2025)


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What is Consumers Bancorp GF Value?

As of today (2025-07-16), Consumers Bancorp's share price is $20.25. Consumers Bancorp's GF Value is $18.09. Therefore, Consumers Bancorp's Price-to-GF-Value for today is 1.12. Based on the relationship between the current stock price and the GF Value, GuruFocus believes Consumers Bancorp is Modestly Overvalued.

The GF Value represents the intrinsic value of a stock, determined using GuruFocus' proprietary methodology. The GF Value Line on our stock Summary page provides an estimate of the stock’s fair-trading value.

To calculate this value, GuruFocus follows these steps:

  1. We analyze historical correlations between the stock price and key business performance metrics, such as revenue, earnings, cash flow, and book value.
  2. We identify the metrics that have the strongest historical correlation with the stock price and determine the historical multiples at which the stock has traded relative to these metrics.
  3. Using these historical multiples as a reference, we estimate the stock's fair value while accounting for future business growth. Adjustments may be made based on the company’s past returns and growth trends.

GuruFocus believes that the GF Value Line represents the fair value at which a stock should trade. Stock prices typically fluctuate around this line. If a stock’s price is significantly above the GF Value Line, it is considered overvalued, and its future returns are likely to be lower. Conversely, if the stock price is significantly below the GF Value Line, its future returns are likely to be higher.

Consumers Bancorp  (OTCPK:CBKM) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 ratings:

Posssible Evaluations All-in-One Screener Examples (1)
Possible Value Trap, Think TwicePredictable Companies that possibly be Value Traps
Significantly OvervaluedPredictable Companies which are Significantly Overvalued
Modestly OvervaluedPredictable Companies which are Modestly Overvalued
Fairly ValuedPredictable High Quality Companies which are Fairly Valued
Modestly Undervalued (2)Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (2)Predictable High Quality Companies which are Significantly Undervalued

(1) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(2) A sufficient margin of safety exists only when the stock is undervalued.


Possible Value Trap, Think Twice companies are those that appear significantly undervalued based on their Price-to-GF-Value ratio, but whose fundamentals show signs of weakness.

Indicators that a company may be a value trap include:

    * Deteriorating Financial Health: A low Altman Z-scores indicates a higher risk of bankruptcy, or a low Piotroski F-Score.
    * Earnings Manipulation: A high Beneish M-score indicates potential earnings manipulation, raising concerns about the reliability of reported financials.
    * Stagnant or Declining Growth: Lack of revenue or earnings growth, or a recent slowdown, may signal limited future prospects.

Investors should conduct thorough due diligence, examining financial statements and growth indicators, to avoid falling into value traps.


Consumers Bancorp's Price-to-GF-Value for today is calculated as

Price-to-GF-Value=Share Price/GF Value
=20.25/18.09
=1.12

* 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 GF Value Related Terms

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

Consumers Bancorp Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Consumers Bancorp Inc (OTCPK:CBKM) » Definitions » GF Value
Comparable Companies
JUVF BOTJ PBKC FFBW UWHR SOUB FBSI CZBT NSTS BYFC NSE:HDFCBANK SHSE:600036 NSE:ICICIBANK MIL:UCG XPAR:BNP SAU:1120 MIL:ISP SGX:D05 HKSE:01658 NSE:SBIN
Traded in Other Exchanges
N/A
Address
614 East Lincoln Way, P.O. Box 256, Minerva, OH, USA, 44657
Website
https://www.consumers.bank
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