Callan JMB Inc. Financials
This page shows Callan JMB Inc. (CJMB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 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).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Callan JMB Inc. has an operating margin of -34.7%, meaning the company retains $-35 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from 16.7% the prior year.
Callan JMB Inc.'s revenue declined 50.3% year-over-year, from $13.2M to $6.6M. This contraction results in a growth score of 0/100.
Callan JMB Inc. carries a low D/E ratio of 0.60, meaning only $0.60 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.
With a current ratio of 2.60, Callan JMB Inc. holds $2.60 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 84/100.
Callan JMB Inc. has a free cash flow margin of 7.5%, earning a moderate score of 38/100. The company generates positive cash flow after capital investments, but with room for improvement.
Callan JMB Inc. passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Callan JMB Inc. generates $-0.24 in operating cash flow ($540K OCF vs -$2.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Callan JMB Inc. earns $-423.5 in operating income for every $1 of interest expense (-$2.3M vs $5K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Callan JMB Inc. generated $6.6M in revenue in fiscal year 2024. This represents a decrease of 50.3% from the prior year.
Callan JMB Inc.'s EBITDA was -$2.1M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 192.5% from the prior year.
Callan JMB Inc. generated $494K in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 92.4% from the prior year.
Callan JMB Inc. reported -$2.3M in net income in fiscal year 2024. This represents a decrease of 205.2% from the prior year.
Callan JMB Inc. held $2.1M in cash against $0 in long-term debt as of fiscal year 2024.
Callan JMB Inc. had 3M shares outstanding in fiscal year 2024.
Callan JMB Inc.'s gross margin was 39.1% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is down 3.7 percentage points from the prior year.
Callan JMB Inc.'s operating margin was -34.7% in fiscal year 2024, reflecting core business profitability. This is down 51.3 percentage points from the prior year.
Callan JMB Inc.'s net profit margin was -34.9% in fiscal year 2024, showing the share of revenue converted to profit. This is down 51.5 percentage points from the prior year.
Callan JMB Inc. invested $46K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 90.6% from the prior year.
CJMB Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|
| Revenue | $1.4M-13.2% | $1.7M+15.0% | $1.4M+7.2% | $1.4M-31.9% | $2.0M+10.9% | $1.8M | N/A |
| Cost of Revenue | $954K-6.7% | $1.0M+22.7% | $833K-10.6% | $933K-8.9% | $1.0M-4.6% | $1.1M | N/A |
| Gross Profit | $493K-23.4% | $644K+4.5% | $616K+47.0% | $419K-56.5% | $962K+34.1% | $718K | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $2.4M+15.9% | $2.0M+10.4% | $1.9M+9.6% | $1.7M+54.4% | $1.1M+36.1% | $805K | N/A |
| Operating Income | -$1.9M-34.0% | -$1.4M-13.3% | -$1.2M+2.7% | -$1.3M-854.1% | -$133K-52.6% | -$87K | N/A |
| Interest Expense | $473 | N/A | $63+6200.0% | $1-99.9% | $2K-41.9% | $3K | N/A |
| Income Tax | N/A | -$3K-171.1% | $4K-82.8% | $25K+226.8% | -$20K-233.3% | -$6K | N/A |
| Net Income | -$2.7M-95.4% | -$1.4M-12.6% | -$1.2M+4.2% | -$1.3M-1051.4% | -$112K-38.6% | -$81K | N/A |
| EPS (Diluted) | $-0.61-96.8% | $-0.31+3.1% | $-0.32+39.6% | $-0.53-1225.0% | $-0.04-33.3% | $-0.03 | N/A |
CJMB Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|
| Total Assets | $7.7M-13.7% | $9.0M+6.0% | $8.5M+66.4% | $5.1M | N/A | N/A | $9.7M |
| Current Assets | $4.3M-23.2% | $5.6M-17.8% | $6.8M+104.9% | $3.3M | N/A | N/A | $8.5M |
| Cash & Equivalents | $2.8M-34.0% | $4.2M-19.1% | $5.2M+148.8% | $2.1M | N/A | N/A | $5.2M |
| Inventory | $223K+13.0% | $198K-8.6% | $216K+36.4% | $158K | N/A | N/A | $115K |
| Accounts Receivable | $946K+54.0% | $614K-26.4% | $835K+34.0% | $623K | N/A | N/A | $2.9M |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $3.6M+13.4% | $3.1M+90.5% | $1.6M-13.7% | $1.9M | N/A | N/A | $910K |
| Current Liabilities | $1.2M-9.2% | $1.3M+25.0% | $1.0M-17.7% | $1.3M | N/A | N/A | $770K |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $4.2M-28.3% | $5.8M-14.4% | $6.8M+114.5% | $3.2M-39.2% | $5.2M0.0% | $5.2M-40.7% | $8.8M |
| Retained Earnings | -$7.7M-55.3% | -$4.9M-39.7% | -$3.5M-54.1% | -$2.3M | N/A | N/A | N/A |
CJMB Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$1.8M-213.0% | -$563K+63.9% | -$1.6M-116.0% | -$723K-369.2% | $269K+3828.7% | $7K | N/A |
| Capital Expenditures | $169K-60.8% | $433K+2783.4% | $15K | $0-100.0% | $1K-97.3% | $45K | N/A |
| Free Cash Flow | -$1.9M-94.0% | -$996K+36.8% | -$1.6M-118.0% | -$723K-370.4% | $267K+807.3% | -$38K | N/A |
| Investing Cash Flow | -$169K+60.8% | -$433K-2783.4% | -$15K | $0+100.0% | -$1K+97.3% | -$45K | N/A |
| Financing Cash Flow | $498K | $0-100.0% | $4.7M+39668.8% | $12K+115.3% | -$77K+97.8% | -$3.5M | N/A |
| Dividends Paid | N/A | N/A | N/A | -$54K-5400000.0% | $1-100.0% | $3.4M | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
CJMB Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 34.1%-4.6pp | 38.6%-3.9pp | 42.5%+11.5pp | 31.0%-17.5pp | 48.5%+8.4pp | 40.1% | N/A |
| Operating Margin | -129.9%-45.7pp | -84.2%+1.3pp | -85.4%+8.7pp | -94.2%-87.4pp | -6.7%-1.8pp | -4.9% | N/A |
| Net Margin | -188.8%-104.9pp | -83.9%+1.7pp | -85.6%+10.2pp | -95.8%-90.1pp | -5.7%-1.1pp | -4.5% | N/A |
| Return on Equity | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Assets | -35.3%-19.7pp | -15.6%-0.9pp | -14.7%+10.8pp | -25.5% | N/A | N/A | N/A |
| Current Ratio | 3.60-0.7 | 4.26-2.2 | 6.49+3.9 | 2.60 | N/A | N/A | 10.98 |
| Debt-to-Equity | 0.85+0.3 | 0.54+0.3 | 0.24-0.4 | 0.60 | N/A | N/A | 0.10 |
| FCF Margin | -133.5%-73.8pp | -59.8%+49.0pp | -108.8%-55.3pp | -53.5%-67.0pp | 13.5%+15.6pp | -2.1% | N/A |
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Frequently Asked Questions
What is Callan JMB Inc.'s annual revenue?
Callan JMB Inc. (CJMB) reported $6.6M in total revenue for fiscal year 2024. This represents a -50.3% 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 Callan JMB Inc.'s revenue growing?
Callan JMB Inc. (CJMB) revenue declined by 50.3% year-over-year, from $13.2M to $6.6M in fiscal year 2024.
Is Callan JMB Inc. profitable?
No, Callan JMB Inc. (CJMB) reported a net income of -$2.3M in fiscal year 2024, with a net profit margin of -34.9%.
What is Callan JMB Inc.'s earnings per share (EPS)?
Callan JMB Inc. (CJMB) reported diluted earnings per share of $-0.87 for fiscal year 2024. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Callan JMB Inc.'s EBITDA?
Callan JMB Inc. (CJMB) had EBITDA of -$2.1M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
What is Callan JMB Inc.'s gross margin?
Callan JMB Inc. (CJMB) had a gross margin of 39.1% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.
What is Callan JMB Inc.'s operating margin?
Callan JMB Inc. (CJMB) had an operating margin of -34.7% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Callan JMB Inc.'s net profit margin?
Callan JMB Inc. (CJMB) had a net profit margin of -34.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Callan JMB Inc.'s free cash flow?
Callan JMB Inc. (CJMB) generated $494K in free cash flow during fiscal year 2024. This represents a -92.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Callan JMB Inc.'s operating cash flow?
Callan JMB Inc. (CJMB) generated $540K in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Callan JMB Inc.'s total assets?
Callan JMB Inc. (CJMB) had $5.1M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Callan JMB Inc.'s capital expenditures?
Callan JMB Inc. (CJMB) invested $46K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Callan JMB Inc. have outstanding?
Callan JMB Inc. (CJMB) had 3M shares outstanding as of fiscal year 2024.
What is Callan JMB Inc.'s current ratio?
Callan JMB Inc. (CJMB) had a current ratio of 2.60 as of fiscal year 2024, which is generally considered healthy.
What is Callan JMB Inc.'s debt-to-equity ratio?
Callan JMB Inc. (CJMB) had a debt-to-equity ratio of 0.60 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Callan JMB Inc.'s return on assets (ROA)?
Callan JMB Inc. (CJMB) had a return on assets of -45.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Callan JMB Inc.'s Piotroski F-Score?
Callan JMB Inc. (CJMB) has a Piotroski F-Score of 2 out of 9, indicating weak 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Callan JMB Inc.'s earnings high quality?
Callan JMB Inc. (CJMB) has an earnings quality ratio of -0.24x, considered mixed 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.
Can Callan JMB Inc. cover its interest payments?
Callan JMB Inc. (CJMB) has an interest coverage ratio of -423.5x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Callan JMB Inc.?
Callan JMB Inc. (CJMB) scores 42 out of 100 on our Financial Profile, indicating moderate 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.