Continued momentum from FY2026 with accelerating loan growth and stable NIM expansion. Two new branch openings (Jackson relocation Jan 2027, Boardman Q3 FY2027) should support further deposit and asset growth. Monitor expense trajectory — other expenses grew 9.5% YoY as the company invests in staff and branches.
Price Chart
Executive Summary
Consumers Bancorp reported Q1 FY2027 net income of $3.0M ($0.96 EPS), up 15.3% YoY from $2.6M ($0.84 EPS), driven by 12.9% net interest income growth to $10.8M and a 15bps NIM expansion to 3.52%. Loan growth accelerated to 13.2% annualized with asset quality remaining pristine (NPLs 0.06%, net charge-offs 0.01% annualized).
Key Financial Metrics
Key Facts
- Net income $3.0M vs $2.6M YoY, +15.3%
- EPS $0.96 vs $0.84 YoY, +14.3%
- Net interest income $10.8M vs $9.5M YoY, +12.9%
- Net interest margin 3.52% vs 3.37% YoY, +15bps
- Total loans $968.4M, +$30.8M or 13.2% annualized from June 30, 2026
- Total deposits $1.146B, +$24.7M or 8.8% annualized from June 30, 2026
- Non-performing loans / total loans 0.06% (ultra-low)
- Net charge-offs annualized 0.01% of total loans
- Book value per share $26.06 vs $28.47 at June 30, 2026 (decrease due to dividend and share count increase)
- New loan commitments $117.1M in Q1, +33.6% YoY
Financial Impact
Net income +15.3% YoY; NIM +15bps to 3.52%; loan growth 13.2% annualized
Risk Factors
- Expense growth (+9.5% YoY) outpacing revenue growth if loan growth decelerates
- Cost of funds rising (2.30% vs 2.26% linked quarter) could pressure NIM if asset yields don't keep pace
- Concentration in Ohio/Western PA economy — regional downturn could impact credit quality
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001437749-26-033076 |
| Document: cbkm20261021_8k.htm | 0001437749-26-033076 |
| Document: 0001437749-26-033076-index-headers.html | 0001437749-26-033076 |
| Document: 0001437749-26-033076-index.html | 0001437749-26-033076 |
| Document: 0001437749-26-033076.txt | 0001437749-26-033076 |
| 8-K Data (Synthetic) | 0001437749-26-033076 |
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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