Consumers Bancorp Inc (CBKM) Q1 2025 Earnings Report

CBKM reported Q1 2025 with revenue of $9.07 million and net income of $2.24 million, translating to an EPS of $0.72 and an EBITDA of $2.72 million. The quarter shows a material year-over-year and quarter-over-quarter revenue decline (-22.68% YoY and -35.97% QoQ) but a relatively stable profitability profile, with net income margin around 24.6% and EBITDA margin near 29.9%. The discrepancy between revenue and gross profit in the reported data (gross profit of $14.55 million vs. revenue of $9.07 million) suggests potential data quality issues or unusual accounting classifications in the dataset; readers should treat margin signals with caution and corroborate with the filed 10-Q data. Notwithstanding, CBKM demonstrates strong liquidity and a conservative balance sheet, supported by a current ratio of 10.81 and total assets of $1.123 billion, with cash and short-term investments totaling approximately $293 million. The balance sheet features a low statutory debt load (total debt of $27.1 million) but a substantial amount of other non-current liabilities (~$1.023 billion), which warrants further disclosure in the accompanying filings. The company’s valuation metrics remain attractive relative to book and earnings, with a price-to-book around 0.76 and a price-to-earnings near 6.2, implying potential upside if profitability and revenue trajectory stabilize. Management commentary is not available in the provided transcript, limiting qualitative insights from the earnings call in this intake.