Consumers Bancorp FY2026 Net Income Rises 28.8% to $11.2M; NIM Expands to 3.45%
CBKM sits 80% above its 52-week low of $18.36.
Summary
Consumers Bancorp reported FY2026 net income of $11.2 million ($3.55/share), up 28.8% year-over-year, driven by a 30-basis-point expansion in net interest margin and 15.3% loan growth. Asset quality improved with non-performing loans at just 0.07% of total loans.
Key Events · Earnings and Guidance · CBKM
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FY2026 Net Income Up 28.8%
Net income rose to $11.164 million ($3.55/share) from $8.667 million ($2.77/share) in FY2025, driven by higher net interest income and improved asset quality.
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Net Interest Margin Expands 30 bps
FTE net interest margin improved to 3.45% from 3.15% as loans and securities repriced to higher market rates; net interest income grew 16.6% to $39.8 million.
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Loan Growth of 15.3%
Total loans increased $124.1 million to $937.5 million, led by commercial & industrial and consumer lending; total deposits grew 8.1% to $1.12 billion.
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Asset Quality Improves
Non-performing loans declined to $696 thousand (0.07% of total loans) from $1.031 million (0.11%); net charge-offs fell to 0.02% of total loans from 0.07%.
Analysis · CBKM · Finance
A strong fiscal 2026 for Consumers Bancorp saw net income climb 28.8% to $11.2 million, or $3.55 per share. The net interest margin widened 30 basis points to 3.45% as loans repriced higher, while asset quality strengthened with non-performing loans falling to just 0.07% of total loans. Loan growth of 15.3% and deposit growth of 8.1% demonstrate profitable expansion across the franchise. Trading near its 52-week high, the stock reflects market recognition of this performance. The bank remains well-capitalized and plans to elect the simplified Community Bank Leverage Ratio framework, which should reduce regulatory burden.
How filings like this one have moved
In the 30 days to Sep 10, 2026, 30% of the 1973 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.12%. These are measured outcomes after filings of this importance, not a forecast for this one.
Measured one observation per ticker per day, after exclusions. Current figures: Filing Impact Tracker · open dataset
At the time of this filing, CBKM was trading at $32.99 on OTC in the Finance sector, with a market capitalization of approximately $103.7M. The 52-week trading range was $18.36 to $32.99. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.