CBKM (Consumers Bancorp) Moat Score: 3/10 (As of Jul. 03, 2026)


CBKM Consumers Bancorp Inc CBKM
63 GF Score
Price $28.79
GF Value $22.33
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Consumers Bancorp Moat Score?

Consumers Bancorp CBKM 63 Moat Score is 3 as of Jul. 03, 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. Among 1,611 Banks companies, Consumers Bancorp ranks better than 74.49% on this metric.

Consumers Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Consumers Bancorp has No Moat: CBKM operates in a competitive banking sector with limited differentiation. It lacks significant scale, brand strength, or proprietary technology, resulting in weak competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Consumers Bancorp might have No Moat - Very weak/transient advantages.

Consumers Bancorp  (OTCPK:CBKM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Consumers Bancorp Moat Score Related Terms

CBKM vs PBKC, UBCP, SSBI: Moat Score Comparison

For the Banks - Regional subindustry, Consumers Bancorp's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

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

* The bar in red indicates where Consumers Bancorp's Moat Score falls into.


CBKM
63GF Score
Consumers Bancorp Inc CBKM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Consumers Bancorp (CBKM) has a Moat Score of 3 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Consumers Bancorp ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Consumers Bancorp's Moat Score too high?
Consumers Bancorp's current Moat Score is 3. Based on the distribution chart, Consumers Bancorp ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to PBKC and UBCP?
According to the Banks industry distribution chart, Consumers Bancorp ranks #411 out of 1611 companies for Moat Score. This puts Consumers Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Consumers Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Consumers Bancorp (CBKM), the current Moat Score is 3 as of Jul. 03, 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:

  • Moat Score: 3
  • 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

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.
63GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.79
Price
$22.33
GF Value