Consumers Bancorp Delivers 29% Q4 Net Income Surge and Record Loan Growth

summarizeSummary

Consumers Bancorp posted Q4 FY2026 net income of $3.0 million ($0.94/share), capping a year of 28.8% earnings growth on record loan production and wider margins. Asset quality is excellent, and book value per share reached $28.47.

check_boxKey Events · Earnings and Guidance · CBKM

• Q4 Net Income Up 29%

  For the quarter ended June 30, 2026, net income reached $3.0 million, or $0.94 per share, compared with $2.3 million, or $0.73 per share, a year ago.

• Full-Year Earnings Surge 28.8%

  Fiscal 2026 net income reached $11.2 million ($3.55/share) vs. $8.7 million ($2.77/share) in fiscal 2025, driven by a $5.7 million increase in net interest income.

• Record Loan Growth

  Total loans grew $124.1 million, or 15.3%, to $937.5 million; loan commitments booked in fiscal 2026 jumped 52.3% to $411.1 million.

• Net Interest Margin Expands

  The full-year net interest margin improved to 3.45% from 3.15% a year ago, reflecting higher asset yields and a lower cost of funds.

auto_awesomeAnalysis · CBKM · Finance

A powerful finish to fiscal 2026 saw Consumers Bancorp lift net income by 29% in the fourth quarter and 28.8% for the full year. The engine was a 16.6% jump in net interest income, powered by a 15.3% expansion in the loan portfolio and a 30-basis-point widening of the net interest margin. Asset quality remains pristine — non-performing loans are just 0.07% of total loans — while book value per share climbed 17.4% to $28.47. The bank is investing in new branches and talent to sustain momentum, but the core story is one of accelerating profitability and disciplined growth in a community banking franchise trading near its 52-week high.