Consumers Bancorp Inc

Consumers Bancorp Inc has a total equity of $62.097 million and a debt-to-equity ratio of 0.47, indicating a relatively conservative capital structure. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt. The return on equity (ROE) is 3.3%, and the return on assets (ROA) is 0.19%, which are below the industry median for banks, suggesting room for improvement in asset utilization and profitability.

The company's net income of $20.52 million on revenue of $78.26 million results in a net profit margin of 26.2%, which is relatively strong compared to the industry median. However, the ROA of 0.19% is significantly below the industry median, indicating that the company is not generating as much profit per dollar of assets as its peers. The operating cash flow of $7.732 million supports the company's operations and debt obligations, but the capital expenditure of -$811,000 suggests a reduction in investment in physical assets.

The company's revenue is not segmented by geographic region or product line in the available data, making it difficult to assess the concentration of risk in specific markets or services. However, as a regional bank, it is likely that its operations are concentrated in the geographic areas where it has a physical presence.

The company's growth trajectory is not clearly defined in the available data, but the net income of $20.52 million on revenue of $78.26 million suggests a stable performance. The outlook for the current fiscal year is not provided, but the company's financial performance indicates a need for strategic initiatives to improve asset utilization and profitability.

The risk assessment indicates a medium liquidity risk and a low dilution risk. The company's capital structure is relatively conservative, with a debt-to-equity ratio of 0.47, but the negative net cash position after subtracting total debt is a concern. The company has not made any recent significant announcements or filings that would indicate a change in its strategic direction or financial performance.

Total assets grew 6.2% year-over-year to $1.17 billion, indicating steady balance sheet expansion.

Revenue increased 6.6% year-over-year to $34.1 million, demonstrating consistent top-line growth momentum.

Equity grew 19.8% year-over-year to $76.3 million, significantly strengthening the capital base.

Cash conversion of 3.77 ranks best-in-class among 941 peers, highlighting superior cash generation.

Dilution risk is assessed as low, suggesting minimal threat to existing shareholder value.

Return on equity of 3.3% is below the 6.0% median for the banking cohort.

Net income CAGR of -0.9% over four years indicates a long-term earnings decline.

Liquidity risk is rated medium, posing potential challenges for short-term obligations.