Continued strong loan growth (15.3% YoY) and margin expansion support sustained earnings momentum. With no guidance provided, monitor upcoming quarters for loan yield trends and deposit cost stability, as loan-to-deposit ratio reached 83.6%. The company is investing in new branches, which may lift expenses near-term but support future growth.
Price Chart
Executive Summary
Consumers Bancorp reported Q4 FY2026 net income of $3.0 million ($0.94 EPS), up 29.0% YoY, and full-year net income of $11.2 million ($3.55 EPS), up 28.8%. Loan growth of 15.3% and net interest margin expansion to 3.47% drove the strong performance, with asset quality remaining excellent (non-performing loans at 0.07%). No forward guidance was provided, but sustained momentum in loan origination and deposit growth signals continued operational strength.
Key Financial Metrics
Key Facts
- Q4 FY2026 net income $3.0M vs $2.3M YoY, +29.0%
- Q4 EPS $0.94 vs $0.73 YoY, +28.8%
- Full-year net income $11.2M vs $8.7M YoY, +28.8%
- Full-year EPS $3.55 vs $2.77 YoY, +28.2%
- Net interest income Q4 $10.3M, +11.2% YoY
- Net interest margin Q4 3.47% vs 3.39% YoY
- Total loans $937.5M, +15.3% YoY
- Total deposits $1.12B, +8.1% YoY
- Non-performing loans / total loans: 0.07%
- Book value $28.47/share, +17.4% YoY
- ROAA 0.92% vs 0.78%, ROAE 13.11% vs 12.05%
Financial Impact
Net income increased $2.5M for the full year; net interest income rose $5.7M; earnings per share grew $0.78 for the year.
Risk Factors
- Expense growth (salaries and benefits +14.7% YoY, occupancy +15.6%) could pressure margins if loan growth slows
- Net interest margin dipped slightly QoQ to 3.47% from 3.53% in Q3, indicating potential peak in margin cycle
- Deposit cost of funds ticked up to 2.26% from 2.23% a year ago; further Fed rate changes could impact funding costs
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001437749-26-024757 |
| Document: cbkm20260728_8k.htm | 0001437749-26-024757 |
| Document: 0001437749-26-024757-index-headers.html | 0001437749-26-024757 |
| Document: 0001437749-26-024757-index.html | 0001437749-26-024757 |
| Document: 0001437749-26-024757.txt | 0001437749-26-024757 |
| 8-K Data (Synthetic) | 0001437749-26-024757 |
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 19w ago | Insider Cluster | $28.75 $32.89 | ▲ +14.40% | ▲ +13.14% | $31.55 (+9.74%) |
Jun 16, 2026 19w ago | Insider Cluster | $28.75 $32.89 | ▲ +14.40% | ▲ +13.14% | $31.55 (+9.74%) |
Jun 16, 2026 19w 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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