CHMI-PA Financials
This page shows CHMI-PA (CHMI-PA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Asset growth has been funded mainly by liabilities and fresh equity, while cash generation lags reported earnings and dividends.
From FY2022 to FY2025, total assets increased by$132M while equity fell by$26M and retained earnings became more negative, so the balance sheet expanded without building a larger owner cushion. That helps explain why dividends outpaced internally generated cash in FY2025, with$28.7M paid against$19.1M of operating cash flow.
Accounting profit and cash flow have not moved together: FY2024 posted
The reported debt-to-equity ratio understates how liability-funded the business is, because FY2025 ended with
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of CHMI-PA's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
CHMI-PA carries a low D/E ratio of 0.62, meaning only $0.62 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 89/100, indicating a strong balance sheet with room for future borrowing.
CHMI-PA generates a 2.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 12/100. This is down from 5.3% the prior year.
CHMI-PA passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, CHMI-PA generates $2.75 in operating cash flow ($19.1M OCF vs $6.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
CHMI-PA generated $23.3M in revenue in fiscal year 2025. This represents a decrease of 32.5% from the prior year.
CHMI-PA reported $6.9M in net income in fiscal year 2025. This represents a decrease of 43.1% from the prior year.
CHMI-PA earned $-0.09 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 228.6% from the prior year.
Cash & Balance Sheet
CHMI-PA held $54.9M in cash against $146.3M in long-term debt as of fiscal year 2025.
CHMI-PA paid $0.50 per share in dividends in fiscal year 2025. This represents a decrease of 16.7% from the prior year.
CHMI-PA had 37M shares outstanding in fiscal year 2025. This represents an increase of 16.2% from the prior year.
Margins & Returns
CHMI-PA's gross margin was 60.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 3.9 percentage points from the prior year.
CHMI-PA's net profit margin was 29.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 5.5 percentage points from the prior year.
CHMI-PA's ROE was 2.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.4 percentage points from the prior year.
Capital Allocation
CHMI-PA Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $11.8M+37.2% | $8.6M+42.0% | $6.0M | N/A | $18.7M | N/A | $6.6M-59.8% | $16.3M |
| Cost of Revenue | $2.5M+8.0% | $2.3M+17.7% | $2.0M-23.3% | $2.5M-18.5% | $3.1M-2.6% | $3.2M-7.2% | $3.5M+31.2% | $2.6M |
| Gross Profit | $9.3M+47.9% | $6.3M+53.6% | $4.1M+173.0% | -$5.6M-135.9% | $15.6M+251.7% | -$10.3M-429.2% | $3.1M-77.2% | $13.7M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $1.5M-28.3% | $2.2M+10.6% | $1.9M-5.4% | $2.1M-17.9% | $2.5M-22.5% | $3.2M+1.1% | $3.2M+86.2% | $1.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $12.6M+2.3% | $12.3M+1.4% | $12.2M-3.7% | $12.6M-12.2% | $14.4M+1.2% | $14.2M+5.2% | $13.5M-1.0% | $13.6M |
| Income Tax | $619K+118.0% | $284K-74.7% | $1.1M+548.0% | $173K-92.9% | $2.5M+759.6% | $285K-57.1% | $664K-5.5% | $703K |
| Net Income | $7.9M+74.0% | $4.5M+189.2% | $1.6M+122.3% | -$7.0M-159.2% | $11.8M+194.9% | -$12.4M-1687.2% | $784K-93.5% | $12.1M |
| EPS (Diluted) | N/A | $0.05+266.7% | $-0.03+89.7% | $-0.29 | N/A | $-0.49-716.7% | $-0.06-118.8% | $0.32 |
CHMI-PA Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B+1.3% | $1.5B+2.1% | $1.5B+2.8% | $1.4B-2.8% | $1.5B-3.9% | $1.6B+9.5% | $1.4B+0.8% | $1.4B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $54.9M-0.9% | $55.4M-4.5% | $58.0M+22.7% | $47.3M+2.1% | $46.3M-7.7% | $50.2M-4.3% | $52.4M+10.3% | $47.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.3B+1.2% | $1.3B+2.2% | $1.3B+3.1% | $1.2B-3.0% | $1.3B-4.1% | $1.3B+11.3% | $1.2B+2.0% | $1.2B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $146.3M-1.2% | $148.0M-1.4% | $150.1M0.0% | $150.1M-1.3% | $152.1M+0.2% | $151.8M-5.4% | $160.5M-4.2% | $167.5M |
| Total Equity | $236.0M+1.2% | $233.1M+1.4% | $229.9M+1.5% | $226.6M-1.6% | $230.3M-2.7% | $236.7M+0.9% | $234.5M-5.0% | $247.0M |
| Retained Earnings | -$270.4M+0.6% | -$272.0M-0.6% | -$270.2M-2.4% | -$263.9M-5.7% | -$249.6M+1.7% | -$253.9M-8.3% | -$234.4M-2.8% | -$228.0M |
CHMI-PA Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.4M+449.5% | -$2.4M-119.2% | $12.5M+1725.7% | $682K-88.5% | $5.9M+35.8% | $4.4M+7.5% | $4.1M+121.3% | -$19.1M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$42.3M-70.2% | -$24.8M-30.5% | -$19.0M-197.7% | $19.5M-26.3% | $26.4M+127.2% | -$96.9M-536.5% | -$15.2M+72.6% | -$55.5M |
| Financing Cash Flow | $31.7M+32.9% | $23.9M-5.5% | $25.3M+160.7% | -$41.6M-156.5% | -$16.2M-118.3% | $88.7M+423.3% | $17.0M-70.8% | $58.0M |
| Dividends Paid | $6.2M-21.6% | $7.9M+6.4% | $7.4M+1.9% | $7.2M-1.2% | $7.3M+3.9% | $7.1M+3.6% | $6.8M-2.1% | $7.0M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
CHMI-PA Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 78.9%+5.7pp | 73.2%+5.5pp | 67.7% | N/A | 83.3% | N/A | 47.5%-36.4pp | 83.9% |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 66.8%+14.1pp | 52.7%+26.8pp | 25.9% | N/A | 63.1% | N/A | 11.9%-61.8pp | 73.8% |
| Return on Equity | 3.3%+1.4pp | 1.9%+1.3pp | 0.7%+3.8pp | -3.1%-8.2pp | 5.1%+10.4pp | -5.3%-5.6pp | 0.3%-4.6pp | 4.9% |
| Return on Assets | 0.5%+0.2pp | 0.3%+0.2pp | 0.1%+0.6pp | -0.5%-1.3pp | 0.8%+1.6pp | -0.8%-0.9pp | 0.1%-0.8pp | 0.9% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.62-0.0 | 0.63-0.0 | 0.650.0 | 0.660.0 | 0.66+0.0 | 0.64-0.0 | 0.680.0 | 0.68 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Frequently Asked Questions
What is CHMI-PA's annual revenue?
CHMI-PA (CHMI-PA) reported $23.3M in total revenue for fiscal year 2025. This represents a -32.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is CHMI-PA's revenue growing?
CHMI-PA (CHMI-PA) revenue declined by 32.5% year-over-year, from $34.6M to $23.3M in fiscal year 2025.
Is CHMI-PA profitable?
Yes, CHMI-PA (CHMI-PA) reported a net income of $6.9M in fiscal year 2025, with a net profit margin of 29.8%.
How much debt does CHMI-PA have?
As of fiscal year 2025, CHMI-PA (CHMI-PA) had $54.9M in cash and equivalents against $146.3M in long-term debt.
What is CHMI-PA's gross margin?
CHMI-PA (CHMI-PA) had a gross margin of 60.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is CHMI-PA's net profit margin?
CHMI-PA (CHMI-PA) had a net profit margin of 29.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does CHMI-PA pay dividends?
Yes, CHMI-PA (CHMI-PA) paid $0.50 per share in dividends during fiscal year 2025.
What is CHMI-PA's return on equity (ROE)?
CHMI-PA (CHMI-PA) has a return on equity of 2.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is CHMI-PA's operating cash flow?
CHMI-PA (CHMI-PA) generated $19.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are CHMI-PA's total assets?
CHMI-PA (CHMI-PA) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What is CHMI-PA's debt-to-equity ratio?
CHMI-PA (CHMI-PA) had a debt-to-equity ratio of 0.62 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is CHMI-PA's return on assets (ROA)?
CHMI-PA (CHMI-PA) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is CHMI-PA's Piotroski F-Score?
CHMI-PA (CHMI-PA) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are CHMI-PA's earnings high quality?
CHMI-PA (CHMI-PA) has an earnings quality ratio of 2.75x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is CHMI-PA?
CHMI-PA (CHMI-PA) scores 17 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.