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 3 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).
Callan JMB shifted from cash-rich, high-margin operations to a financing-supported cost structure where overhead overwhelms sales.
Across FY2023-FY2025, gross margin only slipped from42.8% to36.8% , but selling and administrative expense expanded as revenue contracted, turning the problem into a cost-base mismatch rather than a collapse in unit economics. In FY2025, financing inflows of$5.2M largely offset operating cash burn of-$4.5M , so liquidity held up even as the core business consumed cash.
Short-term liquidity still looks workable with a current ratio of 2.2x, so the immediate strain is not a near-term payables squeeze. The deeper shift is in the capital structure: debt to equity moved from 0.1x in FY2023 to 1.5x in FY2025 as repeated losses shrank the equity cushion.
Earlier cash generation appears to have been helped by working-capital release, especially as receivables fell from
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Callan JMB Inc.'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.
Callan JMB Inc. has an operating margin of -122.9%, meaning the company retains $-123 of operating profit per $100 of revenue. This below-average margin results in a low score of 16/100, suggesting thin profitability after operating expenses. This is down from -34.7% the prior year.
Callan JMB Inc.'s revenue declined 12.8% year-over-year, from $6.6M to $5.7M. This contraction results in a growth score of 3/100.
Callan JMB Inc. has a moderate D/E ratio of 1.48. This balance of debt and equity financing earns a leverage score of 37/100.
Callan JMB Inc.'s current ratio of 2.16 indicates adequate short-term liquidity, earning a score of 62/100. The company can meet its near-term obligations, though with limited headroom.
While Callan JMB Inc. generated -$4.5M in operating cash flow, capex of $617K consumed most of it, leaving -$5.2M in free cash flow. This results in a low score of 10/100, reflecting heavy capital investment rather than weak cash generation.
Callan JMB Inc. generates a -342.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 12/100. This is down from -72.3% the prior year.
Callan JMB Inc. scores -4.43, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($4.3M) relative to total liabilities ($3.4M). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Callan JMB Inc. passes 1 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 1 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 $0.57 in operating cash flow (-$4.5M OCF vs -$8.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Callan JMB Inc. earns $-2629.7 in operating income for every $1 of interest expense (-$7.0M vs $3K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Callan JMB Inc. generated $5.7M in revenue in fiscal year 2025. This represents a decrease of 12.8% from the prior year.
Callan JMB Inc.'s EBITDA was -$6.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 223.0% from the prior year.
Callan JMB Inc. reported -$8.0M in net income in fiscal year 2025. This represents a decrease of 247.3% from the prior year.
Callan JMB Inc. earned $-1.82 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 109.2% from the prior year.
Cash & Balance Sheet
Callan JMB Inc. generated -$5.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 1144.9% from the prior year.
Callan JMB Inc. held $2.1M in cash against $0 in long-term debt as of fiscal year 2025.
Callan JMB Inc. had 5M shares outstanding in fiscal year 2025. This represents an increase of 62.0% from the prior year.
Margins & Returns
Callan JMB Inc.'s gross margin was 36.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 2.3 percentage points from the prior year.
Callan JMB Inc.'s operating margin was -122.9% in fiscal year 2025, reflecting core business profitability. This is down 88.3 percentage points from the prior year.
Callan JMB Inc.'s net profit margin was -139.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 104.2 percentage points from the prior year.
Callan JMB Inc.'s ROE was -342.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 269.9 percentage points from the prior year.
Capital Allocation
Callan JMB Inc. invested $617K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 1236.2% from the prior year.
CJMB Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.1M-4.7% | $1.2M-19.8% | $1.4M-13.2% | $1.7M+15.0% | $1.4M+7.2% | $1.4M-5.8% | $1.4M-27.7% | $2.0M |
| Cost of Revenue | $679K-16.1% | $809K-15.1% | $954K-6.7% | $1.0M+22.7% | $833K-10.6% | $933K-3.9% | $971K-5.1% | $1.0M |
| Gross Profit | $427K+21.6% | $351K-28.8% | $493K-23.4% | $644K+4.5% | $616K+47.0% | $419K-9.8% | $464K-51.7% | $962K |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $2.1M-8.4% | $2.3M-2.1% | $2.4M+15.9% | $2.0M+10.4% | $1.9M+9.6% | $1.7M+35.9% | $1.2M+13.7% | $1.1M |
| Operating Income | -$1.7M+32.3% | -$2.5M-33.8% | -$1.9M-34.0% | -$1.4M-13.3% | -$1.2M+2.7% | -$1.3M-63.0% | -$781K-485.3% | -$133K |
| Interest Expense | $63 | N/A | $473 | N/A | $63+6200.0% | $1-99.8% | $458-74.6% | $2K |
| Income Tax | $306 | N/A | N/A | -$3K-171.1% | $4K-82.8% | $25K-2.4% | $26K+230.0% | -$20K |
| Net Income | -$3.2M-23.8% | -$2.6M+4.9% | -$2.7M-95.4% | -$1.4M-12.6% | -$1.2M+4.2% | -$1.3M-60.9% | -$805K-615.7% | -$112K |
| EPS (Diluted) | $-0.32 | N/A | $-0.61-96.8% | $-0.31+47.5% | $-0.59 | N/A | $-0.27-575.0% | $-0.04 |
CJMB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.7M-1.1% | $5.8M-25.3% | $7.7M-13.7% | $9.0M+6.0% | $8.5M+66.4% | $5.1M | N/A | N/A |
| Current Assets | $3.0M-0.8% | $3.1M-28.7% | $4.3M-23.2% | $5.6M-17.8% | $6.8M+104.9% | $3.3M | N/A | N/A |
| Cash & Equivalents | $1.4M-33.6% | $2.1M-23.6% | $2.8M-34.0% | $4.2M-19.1% | $5.2M+148.8% | $2.1M | N/A | N/A |
| Inventory | $218K-10.4% | $243K+9.0% | $223K+13.0% | $198K-8.6% | $216K+36.4% | $158K | N/A | N/A |
| Accounts Receivable | $824K+139.9% | $343K-63.7% | $946K+54.0% | $614K-26.4% | $835K+34.0% | $623K | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $4.1M+19.2% | $3.4M-3.2% | $3.6M+13.4% | $3.1M+90.5% | $1.6M-13.7% | $1.9M | N/A | N/A |
| Current Liabilities | $1.5M+7.2% | $1.4M+18.7% | $1.2M-9.2% | $1.3M+25.0% | $1.0M-17.7% | $1.3M | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $1.6M-31.3% | $2.3M-44.2% | $4.2M-28.3% | $5.8M-14.4% | $6.8M+114.5% | $3.2M-28.1% | $4.4M-15.4% | $5.2M |
| Retained Earnings | -$13.5M-31.3% | -$10.3M-33.8% | -$7.7M-55.3% | -$4.9M-39.7% | -$3.5M-54.1% | -$2.3M | N/A | N/A |
CJMB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$1.7M-154.9% | -$659K+62.6% | -$1.8M-213.0% | -$563K+63.9% | -$1.6M-116.0% | -$723K-173.2% | $988K+267.7% | $269K |
| Capital Expenditures | $35K | $0-100.0% | $169K-60.8% | $433K+2783.4% | $15K | $0-100.0% | $293-75.9% | $1K |
| Free Cash Flow | -$1.7M-160.3% | -$659K+65.9% | -$1.9M-94.0% | -$996K+36.8% | -$1.6M-118.0% | -$723K-173.2% | $988K+269.3% | $267K |
| Investing Cash Flow | -$35K | $0+100.0% | -$169K+60.8% | -$433K-2783.4% | -$15K | $0+100.0% | -$293+75.9% | -$1K |
| Financing Cash Flow | $1.0M+99999900.0% | $1-100.0% | $498K | $0-100.0% | $4.7M+39668.8% | $12K+145.2% | -$26K+66.2% | -$77K |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | -$54K-5399800.0% | -$1-200.0% | $1 |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
CJMB Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.6%+8.3pp | 30.3%-3.8pp | 34.1%-4.6pp | 38.6%-3.9pp | 42.5%+11.5pp | 31.0%-1.4pp | 32.4%-16.1pp | 48.5% |
| Operating Margin | -153.8%+62.9pp | -216.7%-86.8pp | -129.9%-45.7pp | -84.2%+1.3pp | -85.4%+8.7pp | -94.2%-39.8pp | -54.4%-47.7pp | -6.7% |
| Net Margin | -290.6%-66.9pp | -223.8%-35.0pp | -188.8%-104.9pp | -83.9%+1.7pp | -85.6%+10.2pp | -95.8%-39.7pp | -56.1%-50.4pp | -5.7% |
| Return on Equity | -201.0%-89.5pp | -111.5%-46.1pp | -65.4%-41.4pp | -24.0%-5.8pp | -18.2%+22.6pp | -40.8%-22.6pp | -18.2%-16.1pp | -2.1% |
| Return on Assets | -56.3%-11.3pp | -45.0%-9.6pp | -35.3%-19.7pp | -15.6%-0.9pp | -14.7%+10.8pp | -25.5% | N/A | N/A |
| Current Ratio | 2.00-0.2 | 2.16-1.4 | 3.60-0.7 | 4.26-2.2 | 6.49+3.9 | 2.60 | N/A | N/A |
| Debt-to-Equity | 2.57+1.1 | 1.48+0.6 | 0.85+0.3 | 0.54+0.3 | 0.24-0.4 | 0.60 | N/A | N/A |
| FCF Margin | -155.1%-98.3pp | -56.8%+76.8pp | -133.5%-73.8pp | -59.8%+49.0pp | -108.8%-55.3pp | -53.5%-122.3pp | 68.8%+55.3pp | 13.5% |
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Frequently Asked Questions
What is Callan JMB Inc.'s annual revenue?
Callan JMB Inc. (CJMB) reported $5.7M in total revenue for fiscal year 2025. This represents a -12.8% 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 12.8% year-over-year, from $6.6M to $5.7M in fiscal year 2025.
Is Callan JMB Inc. profitable?
No, Callan JMB Inc. (CJMB) reported a net income of -$8.0M in fiscal year 2025, with a net profit margin of -139.2%.
What is Callan JMB Inc.'s EBITDA?
Callan JMB Inc. (CJMB) had EBITDA of -$6.9M in fiscal year 2025, 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 36.8% in fiscal year 2025, 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 -122.9% in fiscal year 2025, 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 -139.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Callan JMB Inc.'s return on equity (ROE)?
Callan JMB Inc. (CJMB) has a return on equity of -342.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Callan JMB Inc.'s free cash flow?
Callan JMB Inc. (CJMB) generated -$5.2M in free cash flow during fiscal year 2025. This represents a -1144.9% 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 -$4.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Callan JMB Inc.'s total assets?
Callan JMB Inc. (CJMB) had $5.8M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Callan JMB Inc.'s capital expenditures?
Callan JMB Inc. (CJMB) invested $617K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Callan JMB Inc.'s current ratio?
Callan JMB Inc. (CJMB) had a current ratio of 2.16 as of fiscal year 2025, 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 1.48 as of fiscal year 2025, 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 -137.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Callan JMB Inc.'s cash runway?
Based on fiscal year 2025 data, Callan JMB Inc. (CJMB) had $2.1M in cash against an annual operating cash burn of $4.5M. This gives an estimated cash runway of approximately 6 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Callan JMB Inc.'s Altman Z-Score?
Callan JMB Inc. (CJMB) has an Altman Z-Score of -4.43, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Callan JMB Inc.'s Piotroski F-Score?
Callan JMB Inc. (CJMB) has a Piotroski F-Score of 1 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 Callan JMB Inc.'s earnings high quality?
Callan JMB Inc. (CJMB) has an earnings quality ratio of 0.57x, considered low quality (accrual-driven). 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 -2629.7x, 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 23 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.