Consumers Bancorp, Inc. Financial Ratios — CBKM Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	11.14	11.32	9.24	8.06	7.15	5.04	6.82	7.81	11.35	9.91	14.03	15.45	13.06	9.59	9.02
Return on Assets (%)	0.8	0.87	0.79	0.78	0.75	0.51	0.67	0.75	1.05	0.85	1.14	1.24	1.05	0.8	0.77
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.22	3.34	3.92	3.72	3.64	4.04	4.62	4.19	3.83	4.18	3.23	2.88	2.98	3.25	3.2
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	22.28	25.99	23.2	23.59	23.27	15.13	21.49	25.7	31.64	25.47	36.18	37.29	34.8	29.41	27.21
Profit Margin (%)	17.45	20.16	18.74	19.17	18.73	13.39	17.7	19.46	26.77	21.86	30	30.85	28.75	24.21	22.84
Net Income to Common Margin (%)	17.45	20.16	18.74	19.17	18.73	13.39	17.7	19.46	26.77	21.86	30	30.85	28.75	24.21	22.84
Effective Tax Rate (%)	21.65	22.42	19.19	18.73	19.53	11.5	17.63	24.29	15.4	14.16	17.07	17.29	17.4	17.7	16.05
Dvd Payout Ratio (%)	37.23	32.74	37.2	46.28	44.32	61.02	43.69	37.73	25.53	28.12	19.86	17.41	19.63	26.18	27.5
Sustainable Growth Rate (%)	6.99	7.61	5.8	4.33	3.98	1.96	3.84	4.86	8.45	7.12	11.25	12.76	10.5	7.08	6.54

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	25	20	6	6	6	17	12	12	23	31	18	30	10	24	23
ST Debt	17	14	- -	- -	- -	- -	- -	- -	- -	- -	- -	21	1	10	- -
LT Debt	8	6	6	6	6	17	12	12	23	31	18	8	9	14	23
Total Debt/EBITDA	45.21	44.03	11.41	11.43	10.85	26.71	15.77	15.25	28.48	29.45	18.67	28.28	9.01	20.58	18.59
Net Debt/EBITDA	25.24	17.16	-8.48	-9.9	-10.88	4.96	-1.33	1.51	14.3	10.49	3.44	13.89	-3.85	5.21	2.62
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.96	8.35	8.68	10.61	10.45	10.01	9.77	9.35	9.23	8.16	8.12	7.9	8.14	8.45	8.53
Long-Term Debt/Equity (%)	29.75	23.11	22.62	15.66	15.05	39.46	28.3	26.86	44.37	49.27	25.82	15.3	15.82	21.53	29.57
Long-Term Debt/Capital (%)	16.59	13.4	17.6	13.43	12.88	28.64	21.59	20.02	30.74	34.02	21.06	7.73	9.12	11.78	18.49
Long-Term Debt/Total Assets (%)	2.51	1.93	1.85	1.65	1.54	4.02	2.69	2.34	4.1	4.21	2.16	0.84	0.83	1.25	1.94
Total Debt/Equity (%)	96.93	72.31	22.62	15.66	15.05	39.46	28.3	26.86	44.37	49.27	25.82	54.75	17.98	37.23	29.57
Total Debt/Capital (%)	54.03	41.92	17.6	13.43	12.88	28.64	21.59	20.02	30.74	34.02	21.06	27.68	10.37	20.36	18.49
Total Debt/Total Assets (%)	8.18	6.02	1.85	1.65	1.54	4.02	2.69	2.34	4.1	4.21	2.16	3.02	0.94	2.16	1.94
Net Debt to Equity	54.11	28.18	-16.81	-13.57	-15.09	7.33	-2.39	2.67	22.27	17.55	4.75	26.9	-7.68	9.42	4.16
Net Debt/Capital (%)	39.62	21.95	-18.87	-15.54	-17.4	6.94	-2.38	2.43	18.22	15.51	4.68	15.83	-5.19	6.08	3.09
EBITDA	1	- -	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	-1	-1	- -	-1	-5	-2	- -	- -	-1	1	- -	- -	-1	- -	-2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.96	8.35	8.68	10.61	10.45	10.01	9.77	9.35	9.23	8.16	8.12	7.9	8.14	8.45	8.53
Long-Term Debt/Equity (%)	29.75	23.11	22.62	15.66	15.05	39.46	28.3	26.86	44.37	49.27	25.82	15.3	15.82	21.53	29.57
Long-Term Debt/Capital (%)	16.59	13.4	17.6	13.43	12.88	28.64	21.59	20.02	30.74	34.02	21.06	7.73	9.12	11.78	18.49
Long-Term Debt/Total Assets (%)	2.51	1.93	1.85	1.65	1.54	4.02	2.69	2.34	4.1	4.21	2.16	0.84	0.83	1.25	1.94
Total Debt/Equity (%)	96.93	72.31	22.62	15.66	15.05	39.46	28.3	26.86	44.37	49.27	25.82	54.75	17.98	37.23	29.57
Total Debt/Capital (%)	54.03	41.92	17.6	13.43	12.88	28.64	21.59	20.02	30.74	34.02	21.06	27.68	10.37	20.36	18.49
Total Debt/Total Assets (%)	8.18	6.02	1.85	1.65	1.54	4.02	2.69	2.34	4.1	4.21	2.16	3.02	0.94	2.16	1.94
CFO/Total Liabilities	1.51	1.51	1.76	1.17	1.55	1	1.3	1.28	1.27	0.83	1.83	1.62	1.33	0.91	0.73
CFO/CapEx	2.64	3.45	10.79	2.56	1.03	1.46	8.99	8.5	3.82	11.25	12.14	10.12	7.31	9.54	2.58
Altman's Z-Score	0.2	0.2	0.2	0.22	0.22	0.2	0.2	0.21	0.19	0.15	0.16	0.16	0.16	0.15	0.16

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	5.12	6.02	6.43	6.94	8.24	8.31	7.25	6.17	7.78	8.97	9.52	5.58	2.24	1.52	3.21
Days Sales Outstanding	71.32	60.64	56.78	52.61	44.3	43.91	50.31	59.11	46.93	40.7	38.35	65.44	162.96	239.86	113.6
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	25	31	33	52	50	45	52	66	50	41	59	58	56	51	63
- Cash & Cash Equivalents	11	12	11	12	12	14	13	11	11	20	15	15	14	18	19
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	25	20	6	6	6	17	12	12	23	31	18	30	10	24	23
Enterprise Value	39	-67	-69	-80	-93	-85	-91	-77	-82	-92	-146	-223	-228	-208	-96
Total Capital	45	48	36	47	48	60	57	59	74	92	86	107	96	116	122
Total Debt/Capital (%)	54.03	41.92	17.6	13.43	12.88	28.64	21.59	20.02	30.74	34.02	21.06	27.68	10.37	20.36	18.49
Total Debt / EV	0.63	-0.3	-0.09	-0.08	-0.07	-0.2	-0.13	-0.15	-0.28	-0.34	-0.12	-0.13	-0.04	-0.11	-0.23
EV/Sales	3.03	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	71.89	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	6.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	25	31	33	52	50	45	52	66	50	41	59	58	56	51	63
Diluted Enterprise Value	39	39	28	47	44	48	51	67	62	52	62	73	51	57	66
EV per Share	19.11	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	13	14	14	15	16	16	17	18	21	25	30	36	37	35	38
TTM EBITDA	1	- -	1	1	1	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	5	6	4	6	4	5	6	6	6	14	15	13	9	8
TTM Free Cash Flow to Firm	6	6	6	6	11	6	6	7	8	6	15	16	15	10	11

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	4.41	5.14	5.46	9.38	4.55	6.98	8.65	10.03	6.26	6.71	3.88	3.56	3.68	4.92	5.69
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	39	-67	-69	-80	-93	-85	-91	-77	-82	-92	-146	-223	-228	-208	-96
Low Price	10.75	10.75	14.55	15.35	17.41	15.5	15.3	18.51	16.85	12.73	14.34	18.25	13.05	15.02	15.55
EV/Sales	3.03	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	71.89	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.27	11.13	12.4	18.33	16.88	21.08	17.27	18.32	9.07	7.39	6.54	5.22	5.22	5.94	7.22
Price/Earnings Average	10.95	9.47	12.44	17.06	16.73	21.93	15.38	15.82	10.16	9.11	5.97	5.9	5.42	6.1	6.69
Price/Earnings High	12.59	11.13	17.05	20.93	18.12	23.42	17.61	19.08	11.83	10.42	6.73	6.66	6.23	6.72	7.31
Price/Earnings Low	9.77	7.98	11.28	14.62	15.97	19.62	13.91	14.13	8.26	6.63	4.81	4.96	3.78	5.44	5.61
Price/Book Value	1.21	1.1	1.11	1.28	1.18	1.05	1.16	1.4	0.99	0.68	0.87	0.76	0.65	0.55	0.63
Price/Book Value Average	1.18	0.94	1.11	1.19	1.17	1.09	1.03	1.21	1.11	0.83	0.79	0.86	0.67	0.56	0.58
Price/Book Value High	1.36	1.1	1.53	1.46	1.27	1.17	1.18	1.45	1.29	0.95	0.89	0.97	0.77	0.62	0.64
Price/Book Value Low	1.05	0.79	1.01	1.02	1.12	0.98	0.93	1.08	0.9	0.61	0.64	0.72	0.47	0.5	0.49
Price/Tangible Book Value	1	1.1	1.18	1.29	1.2	1.03	1.19	1.5	0.99	0.66	0.85	1.14	1.06	0.84	0.85
Price/Tangible Book Value Average	0.98	0.94	1.18	1.2	1.19	1.08	1.06	1.29	1.1	0.81	0.78	1.29	1.1	0.86	0.79
Price/Tangible Book Value High	1.12	1.1	1.62	1.48	1.29	1.15	1.21	1.56	1.29	0.93	0.88	1.46	1.26	0.95	0.86
Price/Tangible Book Value Low	0.87	0.79	1.07	1.03	1.14	0.96	0.96	1.16	0.9	0.59	0.63	1.09	0.77	0.77	0.66
Price/Sales	1.97	2.24	2.32	3.52	3.16	2.82	3.06	3.56	2.43	1.62	1.96	1.61	1.5	1.44	1.65
Price/Sales Average	1.91	1.91	2.33	3.27	3.13	2.94	2.72	3.08	2.72	1.99	1.79	1.82	1.56	1.48	1.53
Price/Sales High	2.2	2.24	3.2	4.01	3.39	3.14	3.12	3.71	3.17	2.28	2.02	2.05	1.79	1.63	1.67
Price/Sales Low	1.71	1.61	2.11	2.8	2.99	2.63	2.46	2.75	2.21	1.45	1.44	1.53	1.09	1.32	1.28
Price/Cash Flow	6.08	6.63	5.97	13.04	8.91	11.75	9.61	11.21	7.9	7.3	4.2	3.91	4.18	5.44	7.89
Price/Cash Flow Average	5.91	5.64	5.99	12.14	8.83	12.23	8.56	9.68	8.85	9	3.83	4.42	4.34	5.59	7.31
Price/Cash Flow High	6.8	6.63	8.21	14.89	9.56	13.06	9.8	11.68	10.31	10.29	4.32	4.99	5	6.15	7.99
Price/Cash Flow Low	5.28	4.75	5.43	10.4	8.43	10.94	7.74	8.65	7.2	6.55	3.09	3.71	3.03	4.98	6.13
Price/Free Cash Flow Average	4.29	4.38	5.48	8.73	4.51	7.26	7.71	8.67	7.02	8.27	3.54	4.02	3.82	5.06	5.27
Price/Free Cash Flow High	4.93	5.14	7.51	10.71	4.89	7.75	8.82	10.45	8.17	9.45	3.99	4.54	4.39	5.57	5.76
Price/Free Cash Flow Low	3.83	3.69	4.97	7.48	4.31	6.5	6.97	7.74	5.71	6.02	2.85	3.38	2.67	4.51	4.42
EV/Sales Average	2.97	2.48	2	2.9	2.74	3.14	2.66	3.14	3.27	2.43	1.9	2.22	1.44	1.65	1.61
EV/Sales High	3.26	2.82	2.86	3.65	3	3.34	3.05	3.78	3.72	2.72	2.13	2.45	1.68	1.8	1.75
EV/Sales Low	2.77	2.18	1.78	2.43	2.6	2.83	2.4	2.81	2.76	1.89	1.55	1.93	0.97	1.49	1.37
EV/EBITDA Average	70.56	74.34	51.01	77.96	75.2	77.73	57.64	75.01	85.23	58.07	58.93	77.08	48.41	50.68	50.43
EV/EBITDA High	77.34	84.35	73.09	97.88	82.33	82.67	66.17	90.15	96.94	64.91	65.97	85.19	56.24	55.27	54.85
EV/EBITDA Low	65.68	65.31	45.47	65.37	71.28	70.07	51.99	67.14	71.98	45.12	48.16	67	32.63	45.74	42.73
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	12.4	15	16	19.25	18.4	16.65	19	24	18.5	14.19	19.5	19.2	18	16.4	20
High Price	13.85	15	22	21.98	19.75	18.5	19.37	25	24.14	20	20.05	24.5	21.5	18.55	20.25
Enterprise Value Average	38	34	28	43	43	50	45	58	68	61	57	81	54	58	61
Enterprise Value High	42	39	41	54	47	53	52	70	77	69	64	89	62	64	67
Enterprise Value Low	36	30	25	36	41	45	41	52	57	48	47	70	36	53	52

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	2	2	2	3	3	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	2	2	2	3	3	3	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	2	2	2	3	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	6.3	6.68	6.88	5.48	5.82	5.9	6.22	6.73	7.62	8.78	9.93	11.93	12	11.4	12.13
EBITDA per Share	0.27	0.22	0.27	0.2	0.21	0.24	0.29	0.28	0.29	0.37	0.32	0.34	0.36	0.37	0.39
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.1	1.35	1.29	1.05	1.09	0.79	1.1	1.31	2.04	1.92	2.98	3.68	3.45	2.76	2.77
Basic EPS from Cont Ops	1.1	1.35	1.29	1.05	1.09	0.79	1.1	1.31	2.04	1.92	2.98	3.68	3.45	2.76	2.77
Diluted EPS, GAAP	1.1	1.35	1.29	1.05	1.08	0.79	1.1	1.31	2.04	1.92	2.98	3.68	3.45	2.76	2.77
Diluted EPS from Cont Ops	1.1	1.35	1.29	1.05	1.08	0.79	1.1	1.31	2.04	1.92	2.98	3.68	3.45	2.76	2.77
Dividend per Share	0.41	0.44	0.48	0.49	0.48	0.48	0.48	0.49	0.52	0.54	0.59	0.64	0.68	0.72	0.76
Cash Flow per Share	2.04	2.26	2.68	1.48	2.07	1.42	1.98	2.14	2.34	1.94	4.65	4.91	4.3	3.02	2.54
Free Cash Flow per Basic Share	1.27	1.61	2.43	0.9	0.05	0.45	1.76	1.89	1.73	1.77	4.26	4.43	3.72	2.7	1.55
Cash & Equivalents per Share	5.31	57.35	52.36	51.13	55.14	54.25	57.11	56.56	56.92	56.96	73.77	102.38	94.97	90.88	57.88
Book Value per Share	10.22	13.62	14.41	15.02	15.56	15.84	16.44	17.18	18.74	20.99	22.44	25.38	27.88	29.82	31.77
Tangible Book Value per Share	12.35	13.6	13.6	14.88	15.28	16.11	15.99	16.01	18.75	21.59	22.82	16.78	17.01	19.58	23.5

Consumers Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)