Derek Williams - Consumers Bancorp Sr. VP of Retail Operations and Sales

CBKM Stock

USD 19.40 0.34 1.72%

SVP

Mr. Derek G. Williams Senior Vice President Retail Operations and Sales of the Company. He serves as Senior Vice President, Retail Operations and Sales, having been appointed to this position in March 2013. Mr. Williams previously served as Senior Vice President, Training and Sales Development Officer from July 2011 to March 2013. Prior to joining Consumers, Mr. Williams served as Vice President, Business Banker Senior for Huntington Bank and as Senior Vice President, Chief Deposit Officer at Ohio Legacy Bank since 2013.

Age	64
Tenure	12 years
Phone	330 868 7701
Web	https://www.consumers.bank

Williams has obtained a broad range of retail and commercial experience in his banking career that extends over 38 years.

Consumers Bancorp Management Efficiency

The company has return on total asset (ROA) of 0.0109 % which means that it generated a profit of $0.0109 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1733 %, meaning that it created $0.1733 on every $100 dollars invested by stockholders. Consumers Bancorp's management efficiency ratios could be used to measure how well Consumers Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.

Compare Consumers Bancorp to Peers

Predict price of Consumers Bancorp

Consumers Bancorp currently holds 8.26 M in liabilities with Debt to Equity (D/E) ratio of 8.83, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Consumers Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, Consumers Bancorp's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Consumers Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Consumers to invest in growth at high rates of return. When we think about Consumers Bancorp's use of debt, we should always consider it together with cash and equity.

Consumers Bancorp, Inc. operates as the bank holding company for the Consumers National Bank that provides various commercial and retail banking products and services for individuals, farmers, and small and medium-sized businesses. The company was founded in 1965 and is headquartered in Minerva, Ohio. Consumers Bancorp operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 171 people. Consumers Bancorp [CBKM] is traded as part of a regulated electronic over-the-counter service offered by the NASD.

Management Performance

	Return On Equity	0.17
	Return On Asset	0.0109

Consumers Bancorp Leadership Team

Elected by the shareholders, the Consumers Bancorp's board of directors comprises two types of representatives: Consumers Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Consumers. The board's role is to monitor Consumers Bancorp's management team and ensure that shareholders' interests are well served. Consumers Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Consumers Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.

	Renee Wood, CFO, Executive VP and Treasurer
	Stephen Badman, VP Director
	Vickie Ramsier, Sr Officer
	Hillary Hudak, VP Officer
	Scott Dodds, Executive VP and Sr. Loan Officer
	Kimberly Chuckalovchak, VP Officer
	Ralph II, CEO Pres
	Christina Montgomery, VP Officer
	Derek Williams, Sr. VP of Retail Operations and Sales
	Suzanne Mikes, VP Officer

Consumers Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right otc stock is not an easy task. Is Consumers Bancorp a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

	Return On Equity	0.17
	Return On Asset	0.0109
	Profit Margin	0.29 %
	Operating Margin	0.36 %
	Current Valuation	75.52 M
	Shares Outstanding	3.09 M
	Shares Owned By Insiders	11.41 %
	Shares Owned By Institutions	5.71 %
	Price To Earning	6.48 X
	Price To Book	1.48 X

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Other Information on Investing in Consumers OTC Stock

Consumers Bancorp financial ratios help investors to determine whether Consumers OTC Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Consumers with respect to the benefits of owning Consumers Bancorp security.

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