✨ Free AI Report
Consumers Bancorp, Inc.: Key Facts, Business Model & Financial Analysis Read the overview below or get the full interactive report with Cyborg Score, analyst debate audio & saved-company playlists — free, no credit card.
Get Free Report →
Home Company Research Consumers Bancorp, Inc.
Company Research

Consumers Bancorp, Inc.: Business Overview, Financials & Competitive Analysis

Consumers Bancorp, Inc. scores 6/10 on the AskCyborg Cyborg Score (Solid). Small-cap community bank with accelerating profitability and board-backed dividend growth, trading at a valuation discount to regional peers. Net income increased 28.8% to $11.2 million for the twelve months ended June 30, 2026, up from $8.7 million in the prior year. The bank achieved return on average equity of.

What is Consumers Bancorp, Inc.'s industry? Consumers Bancorp, Inc. (consumers.bank) operates in Retail Banking. AskCyborg classifies Consumers Bancorp, Inc. under Retail Banking in its company registry.

Consumers Bancorp, Inc. is a bank holding company headquartered in Minerva, Ohio. Through its subsidiary, Consumers National Bank, the company provides a range of commercial and consumer banking services, including ch...

6/ 10Solid

Cyborg Score thesis

Small-cap community bank with accelerating profitability and board-backed dividend growth, trading at a valuation discount to...

Read the full analyst-debate transcript →
Industry Retail Banking
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 5, 2026
AI-Verified Research
30+ Page Report

Get the Latest Consumers Bancorp, Inc. Report

Up-to-date AI-powered research, analyst debate audio & saved-company playlists

Get Current Report Free
✓ No credit card required
or get it by email

Analyst-debate audio for Consumers Bancorp, Inc.

AskCyborg analysts argue the bull and bear cases for Consumers Bancorp, Inc. across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

Play the free intro →
Free intro · Pro unlocks the full analyst debate
What's in This Report
Consumers Bancorp, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
Get Interactive Report Freeor start reading below

Consumers Bancorp, Inc. Overview

Pro stress-test →

Consumers Bancorp, Inc. is a bank holding company headquartered in Minerva, Ohio. Through its subsidiary, Consumers National Bank, the company provides a range of commercial and consumer banking services, including checking and savings accounts, money market accounts, certificates of deposit, residential mortgage loans, commercial loans, and consumer installment loans. The bank operates 22 branch locations and one loan production office in Carroll, Columbiana, Jefferson, Mahoning, Stark, Summit and contiguous counties in Ohio, Pennsylvania and West Virginia.

Strategic Profile

Pro stress-test →

As an independent community bank, it serves individuals, small businesses, and agricultural clients. The company targets regional market penetration in Appalachian Ohio and neighboring states with a focus on local decision-making and personalized service. CEO insider buying activity signals management confidence in the company's outlook.

Competitive Landscape

Pro stress-test →

Consumers Bancorp competes in the fragmented regional banking sector dominated by larger institutions such as PNC Financial Services, Huntington Bancshares, and Fifth Third Bancorp, which offer broader geographic reach and product suites. At the community bank tier, local and regional independents in Ohio and Appalachia provide similar service models but with varying scale and technology capabilities. Consumers' competitive advantage stems from localized decision-making, personalized service, and deep community ties rather than product innovation or pricing power.

Industry Context

Consumers Bancorp, Inc. operates in Retail Banking.

Key facts

Founded: 1965 · Headquarters: Minerva, Ohio, USA · Employees: 178-201 · Revenue: $55.9M (TTM as of June 2026) · Market cap: $104M

What the analysts stress-tested

The top findings that survived the multi-agent debate for Consumers Bancorp, Inc..

  • Net income surged 28.8% to $11.2 million for fiscal year ending June 30, 2026, driven by expanded lending and deposit operations, demonstrating strong operational leverage and loan quality.
  • In August 2026, the board increased the quarterly dividend by 4.8% to $0.22 per share, signaling confidence in sustained earnings growth and shareholder return priorities.
+1 more stress-tested counter-arguments unlock with Pro. Read the full analyst debate →

Recent developments

Material events tracked by the AskCyborg corpus.

  • September 2026CEO purchases 70 shares continuing insider accumulation pattern
  • August 2026Board declares 4.8% increase in quarterly dividend to $0.22 per share
  • +1 moreTrack every material event for Consumers Bancorp, Inc. as it happens. Explore monitoring →
Get alerted when Consumers Bancorp, Inc. has a new material development →

Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

PNC Financial ServicesLarge regional bank with multistate network→Huntington BancsharesRegional bank serving Midwest and Mid-Atlantic markets→Fifth Third BancorpRegional bank with Ohio and Midwest operations→

Compare Consumers Bancorp, Inc. with another company

Pick any company in the AskCyborg corpus to see side-by-side Cyborg Scores and insights.

vs
Side-by-side opens in your AskCyborg account

Industry context

Consumers Bancorp, Inc. operates in Retail Banking. See how the rest of the sector scores on the Cyborg framework.

Browse Retail Banking research →
NEW · MCP server

Ask your AI assistant about Consumers Bancorp, Inc.

Install the free AskCyborg MCP server in Claude, Cursor, Cline, Continue, or Windsurf and ask any of these in-line:

“Compare Consumers Bancorp, Inc. and its top competitor on Cyborg Score”
“What did Consumers Bancorp, Inc. do this quarter?”
“Is Consumers Bancorp, Inc. a defensible business in 5 years?”
Install the MCP server (10 sec) →
Free, anonymous, no API key required

How AskCyborg builds confidence

⚔

Analyst debate, not single-author opinion

Every report is stress-tested by a panel of AI analysts arguing across 11 dimensions. The output is the part of the case that survived pushback.

📊

Recalibrated weekly

The Cyborg Score is recomputed weekly against fresh data. Recent material developments are continuously tracked and surfaced.

🔗

Methodology open at /methodology

The framework, dimensions, and band breakdowns are documented. The same company gets the same score from any analyst running the framework.

🔒

Free tier is free

No credit card to read the research. Pro adds saved-company audio playlists, monitoring, audio briefings on demand, and PDF export for $39/mo annual.

Sources: public filings, regulatory data, news flow, and proprietary analyst signals. Read the methodology →

Frequently asked questions

What does Consumers Bancorp, Inc. do?+
Consumers Bancorp, Inc. is a bank holding company headquartered in Minerva, Ohio. Through its subsidiary, Consumers National Bank, the company provides a range of commercial and consumer banking services, including ch...
What is Consumers Bancorp, Inc.'s Cyborg Score?+
Consumers Bancorp, Inc. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Consumers Bancorp, Inc.'s main competitors?+
Named competitors include PNC Financial Services, Huntington Bancshares, Fifth Third Bancorp. The full competitive landscape is in the AskCyborg report.
How can I get the full Consumers Bancorp, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Consumers Bancorp, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

Track Consumers Bancorp, Inc. over time

Pro members get saved-company audio playlists, Cyborg Score recalibrations, and monitoring for material events across the AskCyborg corpus.

See Pro features
From $39/mo annual

More Retail Banking research

Companies in the same sector and named competitors, ranked by Cyborg Score.

8Fifth Third Bancorp