CONSUMERS BANCORP INC /OH/

CBKM · National Commercial Banks · 3.1M shares · +2%/yr ↑ shares · EDGAR filings ↗

Reference price $29.25 · est. market cap ~$92M — last insider purchase, 2026-06-17 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

C64

Consumers Bancorp (OH) — small Ohio bank with solid ROE, low ROA.

Strengths

ROE 11.4% (68th pct)

Risks

ROA 19th and weak FCF (9th)
Very small scale

Notable findings

RestatementFTE income includes tax-exempt income, restated to a pre-tax equivalent, based on the statutory federal income tax rate of 21 8-K ↗
Insider buyingInsider buying — 28 open-market buy(s) by 11 insider(s) (cluster of 11 insiders, ~$197,221, last 6mo) Form 4 ↗

Key metrics

Return on equity

11.4%

Return on assets

0.7%

Net-income growth

1.0%

Free cash flow

$5M

Tangible book value

$74M

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-06-17	Lober Ralph J II	Buy	500	$29.25
2026-06-16	Parkinson John W	Buy	500	$28.95
2026-06-16	Lober Ralph J II	Buy	76	$29.25
2026-06-15	PADEN FRANK L	Buy	197	$28.97
2026-06-15	WILLIAMS DEREK G	Buy	100	$29.44
2026-06-15	Bickerton David R	Buy	50	$29.20
2026-06-15	Bickerton David R	Buy	150	$28.99
2026-06-15	Hudak Hillary A	Buy	124	$28.97
2026-06-15	Chuckalovchak Kimberly K	Buy	69	$28.97
2026-06-12	Parkinson John W	Buy	400	$28.30
2026-05-20	Benavides David E	Buy	100	$26.87
2026-05-20	Bickerton David R	Buy	150	$26.75
2026-05-20	Bickerton David R	Buy	100	$26.87
2026-05-20	Benavides David E	Buy	150	$26.75
2026-05-12	Gano Ann M	Buy	500	$27.45
2026-05-07	Lober Ralph J II	Buy	300	$27.25
2026-05-01	Gerzina Joseph A	Buy	1.5K	$27.00
2026-03-19	WILLIAMS DEREK G	Buy	20	$25.77
2026-03-19	WILLIAMS DEREK G	Buy	100	$25.85
2026-03-17	Lober Ralph J II	Buy	513	$25.97
2026-03-16	Parkinson John W	Buy	420	$25.90
2026-03-13	Kiko Richard T Jr	Buy	192	$25.99
2026-03-13	Kiko Richard T Jr	Buy	195	$25.99
2026-03-13	PADEN FRANK L	Buy	218	$25.99
2026-03-13	Lober Ralph J II	Buy	87	$25.98
2026-03-13	Hudak Hillary A	L	96	$25.99
2026-01-30	Lober Ralph J II	Buy	300	$26.60
2026-01-23	Bickerton David R	Buy	100	$27.33
2026-01-23	Bickerton David R	Buy	100	$27.40
2025-12-24	Parkinson John W	Buy	250	$24.10
2025-12-24	Kiko Richard T Jr	Buy	250	$24.10
2025-12-23	Mikes Suzanne N	Buy	100	$24.10
2025-12-16	PADEN FRANK L	Buy	234	$23.96
2025-12-15	Lober Ralph J II	Buy	90	$23.90
2025-12-15	WILLIAMS DEREK G	Buy	150	$24.20
2025-12-15	Lober Ralph J II	Buy	500	$24.00
2025-12-10	Bickerton David R	Buy	200	$23.32
2025-12-10	Goris Bradley	Buy	300	$23.30
2025-12-05	Lober Ralph J II	Buy	300	$23.38
2025-10-22	Lober Ralph J II	Buy	500	$23.45
2025-09-22	Lober Ralph J II	Buy	500	$23.00
2025-09-19	Lober Ralph J II	Buy	94	$22.77
2025-09-19	Mikes Suzanne N	Buy	205	$22.95
2025-09-17	Bickerton David R	Buy	100	$21.82
2025-09-17	Bickerton David R	Buy	125	$21.78
2025-09-16	Parkinson John W	Buy	462	$21.52
2025-09-16	PADEN FRANK L	Buy	257	$21.63
2025-09-15	WILLIAMS DEREK G	Buy	200	$21.25
2025-08-26	Lober Ralph J II	Buy	3.0K	$20.70
2025-08-25	Bickerton David R	Buy	200	$20.84
2025-08-25	Bickerton David R	Buy	50	$21.00
2025-08-20	Goris Bradley	Buy	400	$21.49
2025-08-19	Lober Ralph J II	Buy	400	$21.60
2025-08-06	Parkinson John W	Grant	500	$22.45
2025-08-04	Parkinson John W	Inherited	501	—
2025-08-01	Lober Ralph J II	Grant	300	$21.85
2025-08-01	Bickerton David R	Buy	250	$21.25
2025-06-30	Chuckalovchak Kimberly K	Option exercise	167	—
2025-06-30	Mikes Suzanne N	Option exercise	257	—
2025-06-30	WOOD RENEE	Option exercise	481	—
2025-06-30	Bickerton David R	Grant	258	$19.00
2025-06-30	Hudak Hillary A	Option exercise	204	—
2025-06-30	Chuckalovchak Kimberly K	Option exercise	167	—
2025-06-30	WOOD RENEE	Option exercise	481	—
2025-06-30	DODDS SCOTT E	Option exercise	477	—
2025-06-30	Mikes Suzanne N	Option exercise	257	—
2025-06-30	WILLIAMS DEREK G	Option exercise	209	—
2025-06-30	Lober Ralph J II	Option exercise	1.5K	—
2025-06-30	Hudak Hillary A	Option exercise	204	—
2025-06-16	Parkinson John W	Buy	500	$19.76
2025-06-16	WILLIAMS DEREK G	Buy	100	$20.00
2025-06-16	WILLIAMS DEREK G	Buy	16	$19.97
2025-06-13	Lober Ralph J II	Buy	100	$19.89
2025-06-13	PADEN FRANK L	Buy	209	$19.90
2025-06-13	Bickerton David R	Buy	200	$19.80
2025-06-13	Bickerton David R	Buy	100	$19.64
2025-05-28	Bickerton David R	Buy	100	$19.40
2025-05-28	Bickerton David R	Buy	100	$19.25
2025-05-16	Lober Ralph J II	Buy	200	$19.40
2025-05-15	PADEN FRANK L	Buy	305	$19.00
2025-05-02	PADEN FRANK L	Buy	195	$19.00
2025-04-26	Parkinson John W	Buy	260	$19.08
2025-04-24	Parkinson John W	Buy	260	$19.08
2025-04-23	Lober Ralph J II	Buy	200	$19.12
2025-03-18	Bickerton David R	Buy	500	$19.06
2025-03-17	Parkinson John W	Buy	300	$18.95
2025-03-14	Lober Ralph J II	Buy	100	$19.00
2025-03-14	Lober Ralph J II	Buy	200	$19.00
2025-03-07	Gerzina Joseph A	Buy	1.0K	$19.40
2025-02-14	Goris Bradley	Buy	1.0K	$19.25
2025-02-12	Lober Ralph J II	Buy	500	$19.20
2025-02-07	Parkinson John W	Buy	300	$19.11
2025-02-07	L'italien Shawna	Buy	525	$19.10

All non-derivative Form 4 activity (SEC), newest first.

Notable events (8-K)

Date	Items
2026-04-20	ResultsExhibits	filing ↗
2026-01-20	ResultsExhibits	filing ↗
2025-10-28	Shareholder vote	filing ↗
2025-10-17	ResultsExhibits	filing ↗
2025-07-29	ResultsExhibits	filing ↗
2025-04-17	ResultsExhibits	filing ↗
2025-02-18	Exec/director changeExhibits	filing ↗
2025-01-23	ResultsExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
10-Q	2026-05-08	2026-03-31	0001437749-26-015787 ↗
8-K	2026-04-20	2026-04-20	0001437749-26-012779 ↗
10-Q	2026-02-06	2025-12-31	0001437749-26-003344 ↗
8-K	2026-01-20	2026-01-20	0001437749-26-001503 ↗
10-Q	2025-11-07	2025-09-30	0001437749-25-033730 ↗
8-K	2025-10-28	2025-10-23	0001437749-25-031870 ↗
8-K	2025-10-17	2025-10-17	0001437749-25-031207 ↗
10-K	2025-09-05	2025-06-30	0001437749-25-028445 ↗
8-K	2025-07-29	2025-07-29	0001437749-25-023737 ↗
10-Q	2025-05-08	2025-03-31	0001437749-25-015399 ↗
8-K	2025-04-17	2025-04-17	0001437749-25-012230 ↗
8-K	2025-02-18	2025-02-13	0001437749-25-004166 ↗