showing the working

← Consumers Bancorp

The business behind the dividend

MeasureCBKMMedianFormula
Return on equity11.4%10.6%Net income ÷ shareholders’ equity
Return on capital employed——Operating income ÷ (equity + total debt)
Owner earnings$6.75m$120.90mNet income + depreciation & amortisation − capital expenditure
Free cash flow$4.86m$155.08mOperating cash flow − capital expenditure
Operating margin——Operating income ÷ revenue
Net margin——Net income ÷ revenue
Debt to equity——Total debt ÷ shareholders’ equity
Interest cover——Operating income ÷ interest expense
Current ratio——Current assets ÷ current liabilities
Long-term debt to working capital——Long-term debt ÷ (current assets − current liabilities)
Cash conversion——Operating cash flow ÷ net income
Accruals0.1%-3.1%(Net income − operating cash flow) ÷ total assets

Not computed here: Cash conversion, Current ratio, Debt to equity, Long-term debt to working capital, Interest cover, Return on capital employed — why a blank is not a zero.

Ten years of it

The same measures, for every year the filings support. One year is a fact; a row is a business.

Measure2025202420232022202120202019201820172016Median
Return on equity11.4%13.5%19.2%20.7%12.9%8.7%10.9%8.2%6.9%4.9%10.9%
Net margin————————19.2%14.7%14.7%

How it compares in banks & insurers

Among the 377 banks & insurers companies here measured on GAAP earnings, Consumers Bancorp pays out less than 215 of them. The median for that group is 30.6%, against this company’s 27.4%.

Closest on GAAP earnings

Same sector and same denominator, so the figures are comparable. All 377 in banks & insurers →