CBKM (Consumers Bancorp) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is Consumers Bancorp LT-Debt-to-Total-Asset?

Consumers Bancorp CBKM 63 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates CBKM with a GF Score™ of 63/100 and a GF Value™ of $22.33 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Consumers Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Consumers Bancorp's long-term debt to total assets ratio increased from Mar. 2025 (0.00) to Mar. 2026 (0.01). It may suggest that Consumers Bancorp is progressively becoming more dependent on debt to grow their business.

Consumers Bancorp (OTCPK:CBKM) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Consumers Bancorp LT-Debt-to-Total-Asset Related Terms

Consumers Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Consumers Bancorp's LT-Debt-to-Total-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.

Consumers Bancorp LT-Debt-to-Total-Asset Chart

Consumers Bancorp Annual Data

Trend

Jun16

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Jun25

LT-Debt-to-Total-Asset

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0.02

0.01

0.02

Consumers Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.02	0.00	0.00	0.01

63GF Score

Consumers Bancorp Inc CBKM

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Consumers Bancorp LT-Debt-to-Total-Asset Calculation

Consumers Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	22.551	/	1165.008
	=	0.02

Consumers Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	7.017	/	1238.168
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Consumers Bancorp (CBKM) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Consumers Bancorp and its competitors.

Is Consumers Bancorp's LT-Debt-to-Total-Asset too high?

Consumers Bancorp's current LT-Debt-to-Total-Asset is 0.01. Overall, Consumers Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Consumers Bancorp's LT-Debt-to-Total-Asset compare to PBKC and UBCP?

Consumers Bancorp's LT-Debt-to-Total-Asset of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Consumers Bancorp and its competitors. Consumers Bancorp's current LT-Debt-to-Total-Asset is 0.01. 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 Modestly Overvalued. The stock's GF Value™ is $22.33, compared to a current price of $28.79 — trading 28.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Consumers Bancorp (CBKM), the current LT-Debt-to-Total-Asset is 0.01 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 $28.79 is trading 28.9% above its estimated GF Value™ of $22.33. GuruFocus considers Consumers Bancorp to be Modestly Overvalued.

Key valuation signals for CBKM:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $22.33 vs. price of $28.79 (28.9% above fair value)
GF Score™: 63/100 with 6 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies PBKC UBCP SSBI FUSB JBTC BSFO STBK FDVA SEBC FNWB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

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.

63GF Score

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$28.79

Price

$22.33

GF Value

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