The significant earnings beat and improving credit quality suggest strong execution; monitor loan growth sustainability and margin trajectory in the next quarter as the bank benefits from higher yields and balance sheet optimization.
Price Chart
Executive Summary
Consumers Bancorp reported strong Q3 FY2026 earnings with net income up 52.2% YoY to $2.8 million and EPS of $0.90, driven by higher net interest income and improved asset quality. Loan and deposit growth remained robust.
Key Financial Metrics
Key Facts
- Q3 net income increased 52.2% YoY to $2.8 million, EPS rose to $0.90 from $0.59
- Net interest income grew 18.2% YoY to $10.1 million with net interest margin expanding to 3.53%
- Total loans increased by $90.6 million (annualized 14.9%) from June 30, 2025
- Non-performing loans to total loans improved to 0.06% from 0.09% in prior year
- Total deposits grew by $73.1 million (annualized 9.4%)
Financial Impact
Net income increased by $966 thousand (52.2%) compared to the same period last year
Risk Factors
- Potential margin compression if interest rates remain steady or rise further
- Credit quality deterioration in commercial real estate portfolio
- Slower loan growth than expected due to competitive pressures
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001437749-26-012779 |
| Document: cbkm20260417_8k.htm | 0001437749-26-012779 |
| Document: 0001437749-26-012779-index-headers.html | 0001437749-26-012779 |
| Document: 0001437749-26-012779-index.html | 0001437749-26-012779 |
| Document: 0001437749-26-012779.txt | 0001437749-26-012779 |
| 8-K Data (Synthetic) | 0001437749-26-012779 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 6d ago | 8-K | $31.93 | awaiting T+60 | — | $31.55 (−1.19%) |
Jul 29, 2026 12w ago | 8-K | $30.93 $31.90 | ▲ +3.14% | ▼ −3.11% | $31.55 (+2.00%) |
Jun 30, 2026 17w ago | 8-K | $28.50 $32.98 | ▲ +15.72% | ▲ +11.88% | $31.55 (+10.70%) |
Jun 16, 2026 18w ago | Insider Cluster | $28.75 $32.89 | ▲ +14.40% | ▲ +13.14% | $31.55 (+9.74%) |
Jun 16, 2026 18w ago | Insider Cluster | $28.75 $32.89 | ▲ +14.40% | ▲ +13.14% | $31.55 (+9.74%) |
Jun 16, 2026 18w ago | Insider Cluster | $28.75 $32.89 | ▲ +14.40% | ▲ +13.14% | $31.55 (+9.74%) |
Jun 15, 2026 19w ago | Insider Cluster | $28.99 $32.99 | ▲ +13.80% | ▲ +12.53% | $31.55 (+8.83%) |
May 21, 2026 22w ago | Insider Cluster | $26.82 $31.62 | ▲ +17.90% | ▲ +13.60% | $31.55 (+17.64%) |
May 7, 2026 24w ago | Insider Cluster | $27.04 $30.54 | ▲ +12.94% | ▲ +8.31% | $31.55 (+16.68%) |
Apr 20, 2026 27w ago | 8-K | $26.18 $29.58 | ▲ +12.99% | ▲ +6.21% | $31.55 (+20.51%) |
US Market Status
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