Consumers BancorpCBKM 62 5-Year Yield-on-Cost % is 3.98 as of Jul. 13, 2026, which is 6% below its 10-year median of 4.24. GuruFocus rates CBKM with a GF Score™ of 62/100 and a GF Value™ of $22.34 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,258 Banks companies, Consumers Bancorp ranks better than 51.59% on this metric.
Consumers Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 3.98.
The historical rank and industry rank for Consumers Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
CBKM'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.75 Med: 4.24 Max: 6.41
Current: 3.98
During the past 13 years, Consumers Bancorp's highest Yield on Cost was 6.41. The lowest was 2.75. And the median was 4.24.
CBKM's 5-Year Yield-on-Cost % is ranked better than 51.59% of 1258
companies
in the Banks industry
Industry Median: 3.89
vs CBKM: 3.98
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Consumers Bancorp 5-Year Yield-on-Cost % Related Terms
CBKM vs PBKC, UBCP, SSBI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Consumers Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Consumers Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Consumers Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Consumers Bancorp (CBKM) has a 5-Year Yield-on-Cost % of 3.98 as of Jul. 13, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Consumers Bancorp and its competitors. This is near median its historical median of 4.24. Over the past decade, Consumers Bancorp's 5-Year Yield-on-Cost % has ranged from 2.75 to 6.41. According to the industry distribution chart, Consumers Bancorp ranks #609 out of 1258 companies in the Banks industry, placing it in the top 48.4%.
Is Consumers Bancorp's 5-Year Yield-on-Cost % too high?
Consumers Bancorp's current 5-Year Yield-on-Cost % of 3.98 is near median its 10-year median of 4.24. Over the past 10 years, this metric has ranged from a low of 2.75 to a high of 6.41. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Consumers Bancorp's value of 3.98 is 2.3% above this industry median. Based on the distribution chart, Consumers Bancorp ranks #609 out of 1258 companies in the Banks industry, which is above the industry midpoint. Overall, Consumers Bancorp has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Consumers Bancorp's 5-Year Yield-on-Cost % compare to PBKC and UBCP?
According to the Banks industry distribution chart, Consumers Bancorp ranks #609 out of 1258 companies for 5-Year Yield-on-Cost %. This puts Consumers Bancorp in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Consumers Bancorp's value of 3.98 is 2.3% above this benchmark. Historically, Consumers Bancorp's own 5-Year Yield-on-Cost % has ranged from 2.75 to 6.41 over the past decade. While the company's 10-year median is 4.24 vs. the industry median of 3.89, Consumers Bancorp has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,258 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Consumers Bancorp's current 5-Year Yield-on-Cost % of 3.98 is 2.3% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Consumers Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Consumers Bancorp's current 5-Year Yield-on-Cost % is 3.98, which is near median its own 10-year median of 4.24. 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 Significantly Overvalued. The stock's GF Value™ is $22.34, compared to a current price of $29.59 — trading 32.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.98, which is near median its 10-year median of 4.24 and 2.3% above the Banks industry median of 3.89. Consumers Bancorp's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Consumers Bancorp (CBKM), the current 5-Year Yield-on-Cost % is 3.98 as of Jul. 13, 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 $29.59 is trading 32.5% above its estimated GF Value™ of $22.34.
GuruFocus considers Consumers Bancorp to be Significantly Overvalued.
Key valuation signals for CBKM:
5-Year Yield-on-Cost %: 3.98 (near median its 10-year median of 4.24)
GF Value™: $22.34 vs. price of $29.59 (32.5% above fair value)
Industry Position: 2.3% above the Banks median (#609 of 1258)
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.
62GF Score
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