Consumers Bancorp Reports Strong Q2 Earnings with 20.5% Net Income Growth and Robust Loan Expansion
CBKM sits 70% above its 52-week low of $15.55 on light trading volume (0.1× avg).
Summary
Consumers Bancorp reported a significant 20.5% increase in net income for Q2 FY26, driven by strong net interest income growth and substantial loan and deposit expansion, while maintaining excellent asset quality.
Key Events · Earnings and Guidance · CBKM
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Strong Net Income Growth
Net income for Q2 FY26 increased by 20.5% to $2.8 million, with EPS rising to $0.87 from $0.73 in the prior year.
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Robust Net Interest Income
Net interest income grew by 19.1% to $9.9 million for the quarter, driven by increased interest-earning assets and an improved net interest margin of 3.43%.
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Significant Loan and Deposit Expansion
Total loans increased by an annualized 14.5% and total deposits by an annualized 10.1% over the six-month period ended December 31, 2025.
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Improved Book Value and Asset Quality
Book value per share rose to $27.39, and non-performing loans remained low at 0.11% of total loans, indicating strong financial health.
Analysis · CBKM · Finance
Consumers Bancorp delivered a strong financial performance for the second quarter and first half of fiscal year 2026, with net income increasing by over 20% year-over-year. This growth was fueled by a nearly 19% rise in net interest income and healthy annualized loan and deposit growth of 14.5% and 10.1% respectively. The company also improved its net interest margin and saw a notable increase in book value per share. Asset quality remains robust with very low non-performing loans. The positive results, coupled with the company's expansion of its branch network and positive outlook on interest rates, support its current trading near 52-week highs. The addition of a new Senior Loan Officer also strengthens its lending leadership.
At the time of this filing, CBKM was trading at $26.49 on OTC in the Finance sector, with a market capitalization of approximately $83.3M. The 52-week trading range was $15.55 to $26.50. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.