Consumers BancorpCBKM 63 Pretax Margin % is 30.03% as of Mar. 2026, which is 6% above its 10-year median of 28.31. 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 1,528 Banks companies, Consumers Bancorp ranks worse than 65.71% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Consumers Bancorp Pretax Margin % Related Terms
Consumers Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Consumers Bancorp's Pretax 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.
CBKM vs PBKC, UBCP, SSBI: Pretax Margin % Comparison
For the Banks - Regional subindustry, Consumers Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Consumers Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Consumers Bancorp's Pretax 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 Pretax Margin % of 30.03% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Consumers Bancorp and its competitors. This is near median its historical median of 28.31. Over the past decade, Consumers Bancorp's Pretax Margin % has ranged from 15.13 to 37.29. According to the industry distribution chart, Consumers Bancorp ranks #1004 out of 1528 companies in the Banks industry, placing it in the top 65.7%.
Is Consumers Bancorp's Pretax Margin % too high?
Consumers Bancorp's current Pretax Margin % of 30.03% is near median its 10-year median of 28.31. Over the past 10 years, this metric has ranged from a low of 15.13 to a high of 37.29. The Banks industry median Pretax Margin % is 34.72. Consumers Bancorp's value of 30.03% is 13.5% below this industry median. Based on the distribution chart, Consumers Bancorp ranks #1004 out of 1528 companies in the Banks industry, which is below 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 Pretax Margin % compare to PBKC and UBCP?
According to the Banks industry distribution chart, Consumers Bancorp ranks #1004 out of 1528 companies for Pretax Margin %. This places Consumers Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.72. Consumers Bancorp's value of 30.03% is 13.5% below this benchmark. Historically, Consumers Bancorp's own Pretax Margin % has ranged from 15.13 to 37.29 over the past decade. While the company's 10-year median is 28.31 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumers Bancorp's current Pretax Margin % of 30.03% is 13.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Consumers Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumers Bancorp's current Pretax Margin % is 30.03%, which is near median its own 10-year median of 28.31. 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 Pretax Margin % is 30.03%, which is near median its 10-year median of 28.31 and 13.5% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Consumers Bancorp (CBKM), the current Pretax Margin % is 30.03% 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:
Pretax Margin %: 30.03% (near median its 10-year median of 28.31)
GF Value™: $22.33 vs. price of $28.79 (28.9% above fair value)
Industry Position: 13.5% below the Banks median (#1004 of 1528)
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
Get the complete analysis for CBKM
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CBKM has been successfully added to your 
