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Consumers Bancorp (Consumers Bancorp) Cyclically Adjusted PB Ratio : 0.78 (As of Jun. 09, 2024)


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What is Consumers Bancorp Cyclically Adjusted PB Ratio?

As of today (2024-06-09), Consumers Bancorp's current share price is $16.55. Consumers Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2024 was $21.34. Consumers Bancorp's Cyclically Adjusted PB Ratio for today is 0.78.

The historical rank and industry rank for Consumers Bancorp's Cyclically Adjusted PB Ratio or its related term are showing as below:

CBKM' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.72   Med: 1.22   Max: 1.8
Current: 0.78

During the past years, Consumers Bancorp's highest Cyclically Adjusted PB Ratio was 1.80. The lowest was 0.72. And the median was 1.22.

CBKM's Cyclically Adjusted PB Ratio is ranked better than
58.21% of 1194 companies
in the Banks industry
Industry Median: 0.91 vs CBKM: 0.78

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Consumers Bancorp's adjusted book value per share data for the three months ended in Mar. 2024 was $19.927. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $21.34 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Consumers Bancorp Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Consumers Bancorp's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Consumers Bancorp Cyclically Adjusted PB Ratio Chart

Consumers Bancorp Annual Data
Trend Jun14 Jun15 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.18 0.86 1.07 0.94 0.86

Consumers Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.90 0.86 0.79 0.83 0.77

Competitive Comparison of Consumers Bancorp's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, Consumers Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Consumers Bancorp's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Consumers Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Consumers Bancorp's Cyclically Adjusted PB Ratio falls into.



Consumers Bancorp Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Consumers Bancorp's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=16.55/21.34
=0.78

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Consumers Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Consumers Bancorp's adjusted Book Value per Share data for the three months ended in Mar. 2024 was:

Adj_Book=Book Value per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=19.927/131.7762*131.7762
=19.927

Current CPI (Mar. 2024) = 131.7762.

Consumers Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201406 14.757 100.560 19.338
201409 14.836 100.428 19.467
201412 15.127 99.070 20.121
201503 15.366 99.621 20.326
201506 15.222 100.684 19.923
201509 15.559 100.392 20.423
201512 15.574 99.792 20.566
201603 16.005 100.470 20.992
201606 16.078 101.688 20.835
201609 16.163 101.861 20.910
201612 15.498 101.863 20.049
201703 15.663 102.862 20.066
201706 15.985 103.349 20.382
201709 16.219 104.136 20.524
201712 16.182 104.011 20.502
201803 15.865 105.290 19.856
201806 16.032 106.317 19.871
201809 16.084 106.507 19.900
201812 17.154 105.998 21.326
201903 17.964 107.251 22.072
201906 18.716 108.070 22.822
201909 19.301 108.329 23.479
201912 19.681 108.420 23.921
202003 20.337 108.902 24.609
202006 20.971 108.767 25.407
202009 21.607 109.815 25.928
202012 22.360 109.897 26.812
202103 22.315 111.754 26.313
202106 23.084 114.631 26.537
202109 23.339 115.734 26.574
202112 23.975 117.630 26.858
202203 20.292 121.301 22.044
202206 17.656 125.017 18.611
202209 14.203 125.227 14.946
202212 16.313 125.222 17.167
202303 18.203 127.348 18.836
202306 17.921 128.729 18.345
202309 15.942 129.860 16.177
202312 20.404 129.419 20.776
202403 19.927 131.776 19.927

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Consumers Bancorp  (OTCPK:CBKM) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Consumers Bancorp Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Consumers Bancorp's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Consumers Bancorp (Consumers Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
614 East Lincoln Way, P.O. Box 256, Minerva, OH, USA, 44657
Consumers Bancorp Inc is engaged in the financial services sector. It is a bank holding company for Consumers National Bank and performs commercial and retail banking tasks. Its business involves attracting deposits from businesses and individual customers and using such deposits to originate a commercial, mortgage and consumer loans in the United States market. The company's business banking division provides checking, including business entree checking, business savings, loans and cash management services. Its personal banking services include checking, mortgage loans, loans and credit and savings, CDS and IRAS.
Executives
Lober Ralph J Ii director, officer: CEO/President 9084 EMERALD ISLE ST NW, CANAL FULTON OH 44614
Frank L Paden director 7465 JAGUAR DR, BOARDMAN OH 44512
Suzanne N Mikes officer: VP, Chief Credit Officer 4028 TROON DR, UNIONTOWN OH 44685
Bradley Goris director 3075 SOUTH UNION AVE, ALLIANCE OH 44601-5362
John W Parkinson director 199 ORLANDO MANOR, WINTERSVILLE OH 43953
Kiko Richard T Jr director 103 OVERWOOD RD, AKRON OH 44313
Derek G Williams officer: SVP, Training & Sales Develop 1221 CENTURY HILL STREET, LOUISVILLE OH 44641-2720
Shawna L'italien director 617 BRICKER FARMS LANE, SALEM OH 44460
Ann M Gano director 2053 MAY VALLEY RD SW, NEW PHILADELPHIA OH 44663
Laurie L Mcclellan director, 10 percent owner, officer: CHAIRMAN OF BOD 28 TEPEE DR, MINERVA OH 44644
Schmuck Harry W Jr director 7200 RAVENNA AVE, LOUISVILLE OH 44641
Scott E Dodds officer: EVP, Senior Loan Officer 2669 MT PLEASANT ST NE, NORTH CANTON OH 44721
John P/ Furey director 8050 AVALON RD NW, MALVERN OH 44644
Kimberly K Chuckalovchak officer: SVP, Chief Information Officer 10020 LINDEN RD NW, MINERVA OH 44657
Hillary A Hudak officer: SVP, Chief People Officer 3037 KINGSTON CIR, SILVER LAKE OH 44224

Consumers Bancorp (Consumers Bancorp) Headlines

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