CBKM reported Q2 2025 revenue of $13.21 million with net income of $2.29 million and earnings per share (EPS) of $0.73. Relative to the prior-year period, net income rose 13.5% while revenue declined 1.6% year over year, reflecting a combination of stable profitability and a revenue headwind. On a quarterly basis, revenue surged 45.6% QoQ driven by a sharp sequential lift in topline activity, while gross profit expanded to $9.37 million (gross margin of 70.9%), and operating income reached $2.78 million (operating margin of 21.0%). The company’s net margin stood at 17.3% for the quarter. These dynamics suggest CBKM is generating solid earnings power from a low capital base amid a favorable liquidity backdrop.
From a balance sheet perspective, CBKM remains highly liquid with cash and cash equivalents of $20.4 million and total cash plus short-term investments of $290.3 million, supporting a current ratio of 13.91x. Total assets stood at $1.111 billion, while stockholders’ equity was $69.5 million, implying a conservative leverage profile (debt-to-equity around 0.30x and debt ratio near 1.9%). Free cash flow (FCF) for the period was $4.24 million, underscoring capacity to fund dividends, growth initiatives, or selective investments. The quarterly cash flow profile shows operating cash flow of $3.21 million and a net cash outflow from financing activities of $7.99 million, largely reflecting financing activity mix rather than operating performance.
Management commentary (where available) underscores a disciplined approach to liquidity management and cost control, with a focus on maintaining a stable funding base while pursuing selective loan and deposit growth. Given the bank’s small size and OTC listing status, the key questions for investors center on sustainability of the QoQ revenue spike, margin resilience in a rising-rate environment, and the ability to translate liquidity advantages into durable earnings power. Overall, CBKM presents a conservative balance sheet, improving profitability metrics, and a plausible path to organic growth in a favorable rate setting, though execution on growth initiatives and scale remains a critical watch point for the coming quarters.