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Consumers Bancorp, Inc. functions as the holding company for Consumers National Bank, delivering a comprehensive suite of commercial and retail banking solutions. These services cater to a diverse client base, including individual customers, agricultural businesses, and small to medium-sized enterprises. The bank's financial products include a variety of deposit accounts. Its extensive lending portfolio features commercial loans for equipment, inventory, and accounts receivable, alongside commercial real estate financing for farmers, developers, owners of multi-family investment properties, and other commercial properties. Additionally, it offers residential real estate loans, covering one-to-four-family homes and home equity, as well as various consumer credit options like automobile loans, personal lines of credit, and unsecured personal loans. Beyond traditional banking, Consumers Bancorp, Inc. also strategically invests in securities, such as obligations from United States government-sponsored entities, municipal bonds, and mortgage-backed securities. As of June 30, 2021, the company maintained a network of 19 full-service branches and one dedicated loan production office. These operations span Carroll, Columbiana, Jefferson, Stark, Summit, Wayne, and adjacent counties within Ohio. Founded in 1965, the company maintains its corporate headquarters in Minerva, Ohio.
Ohio's Consumers Bancorp Appears Undervalued After Wrapping Up Record Fiscal Year
Consumers Bancorp offers compelling value, with robust earnings growth and a healthy loan portfolio, yet trades at a significant discount to peers. CBKM reported FY 2026 EPS of $3.55, up 28.2% year-over-year, driven by a 15% loan portfolio expansion and improved net interest margin. Asset quality remains exceptional, with nonperforming loans at just 0.07% of total loans and ample credit loss reserves.