Consumers Bancorp, Inc. (CBKM) Fair Value 2026

CBKM · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.1 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (15/100)

Quick Summary — As of 2026-08-27, Consumers Bancorp, Inc. (CBKM) trades at $31.90, versus a $29.69 median fair value across its 6 active models — 6.9% below the current price. QOC: 8.1/10. Value Trap Risk: 15/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CBKM
Price
$31.90
Quality Score
8.1/10
Value Trap Risk
15/100
Models Active
6/13
Last Updated
Strength: Earnings Power Value suggests +7.9% upside with 72% confidence
Risk: Majority of models suggest overvaluation

Is Consumers Bancorp, Inc. (CBKM) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Consumers Bancorp, Inc. (CBKM) appears fairly valued as of : the median of 6 independent fair value estimates is $29.69, within 6.9% of the current price of $31.90. Estimates range from $18.12 to $45.37. CBKM scores 8.1/10 on fundamental quality and 15/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CBKM’s -6.9% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Consumers Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CBKM?

6 Intrinsic Value Models vs. Current Price ($31.90)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $34.41 +7.9%
Ensemble · Medium Conviction
 $29.54 -7.4%
Intrinsic · High Conviction
 $18.12 -43.2%
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What Is CBKM's Fair Value Range?

Spread across 6 independent models · $18.12 to $45.37

CirclFi's 6 active models place Consumers Bancorp, Inc. (CBKM) between $18.12 and $45.37 per share, a spread of 92% of the median. The median of that range — $29.69 — is the fair value CirclFi publishes for CBKM, against a current price of $31.90.

Low · Markov DDMHigh · ML-RIV
$18.12median $29.69$45.37
Where the range comes from
Most bearish modelMarkov DDM$18.12
Most bullish modelML Residual Income$45.37
Model agreement2 bullish · 4 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on CBKM, not a CirclFi price target. How each model works →

What Is Consumers Bancorp, Inc. (CBKM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on Consumers Bancorp, Inc. at its current price of $31.90. The median intrinsic value is estimated at $29.69 (-6.9% vs price), with 4 models flagging overvaluation risk. The most optimistic model, ML-RIV, places fair value at $45.37 (+42.2%), while Markov DDM — the most conservative — estimates $18.12 (-43.2%). This +85.4% gap reflects genuine analytical uncertainty about Consumers Bancorp, Inc.'s intrinsic worth. Among models with highest confidence, EPV lean bullish — adding weight to the bullish side of the thesis.

What Do the Models Say About CBKM?

6 of 13 models are currently active for CBKM. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for CBKM is $29.69 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CBKM Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CBKM ranks #159 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places CBKM in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Consumers Bancorp, Inc. competes in an environment where loan loss provisions often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is CBKM a Value Trap?

CirclFi's Value Trap algorithm assigns CBKM a score of 15/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Consumers Bancorp, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Consumers Bancorp, Inc. is rated at 8.1/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +85.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CBKM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CBKM's 6 active models, average confidence is 46%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Consumers Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

LSBKLake Shore Bancorp, Inc.QOC 8.1COSOCoastalSouth Bancshares, Inc.QOC 8.1FFINFirst Financial Bankshares, Inc.QOC 8.1PGCPeapack-Gladstone Financial CorporationQOC 8.1IBCPIndependent Bank CorporationQOC 8.1BCHBanco de ChileQOC 8.1FVCBFVCBankcorp, Inc.QOC 7.6CARVCarver Bancorp, Inc.QOC 5.7BOTJBank of the James Financial Group, Inc.QOC 8.4ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: LSBK · COSO · FFIN · PGC · IBCP · BCH · FVCB · CARV · BOTJ · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CBKM?

5 companies across all industries closest to CBKM’s Quality of Company score of 8.1/10.

EFCEllington Financial Inc.QOC 8.1DBXDropbox, Inc.QOC 8.1KRCKilroy Realty CorporationQOC 8.1DELLDell Technologies Inc.QOC 8.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: EFC · DBX · KRC · DELL · NVDA

Where Does CBKM Sit in CirclFi's Banks - Regional Rankings?

CBKM is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Consumers Bancorp, Inc.’s Valuation?

What is Consumers Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Consumers Bancorp, Inc. (CBKM)'s intrinsic value at $29.69 — the median of 6 independent model estimates as of 2026-08-27, ranging from $18.12 to $45.37. The Quality of Company score is 8.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CBKM overvalued or undervalued right now?

At $31.90, 2 of 6 active models suggest CBKM may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $29.69, within 6.9% of the current price of $31.90 — a consensus view that CBKM is fairly valued. The assessment depends on which methodology best fits Consumers Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.1 mean for CBKM?

Consumers Bancorp, Inc.'s QOC of 8.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CBKM?

CirclFi analyzes CBKM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CBKM?

Of the 6 models currently active on CBKM, ML Residual Income is the most bullish at $45.37 per share, and Markov DDM is the most bearish at $18.12. CirclFi's published fair value for CBKM is the median of that range, $29.69, not either extreme. The gap between the two ends equals 92% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is CBKM a value trap in 2026?

Consumers Bancorp, Inc.'s Value Trap score is 15/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Consumers Bancorp, Inc. (CBKM) has a median fair value of $29.69 — within 6.9% of the current price of $31.90 — as of 2026-08-27.” Source: circlfi.com/stock/CBKM/ · Methodology
Primary sources for this CBKM valuation
  • Financial statements: Consumers Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001006830) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CBKM as of ; valuations recomputed .

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