CJ
CJMB
—
Nasdaq
Transaction Processing Services
Callan Jmb Inc.
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
5,9M USD
P/E
—
EV / Rev
0,3x
Div yield
—
Op margin
-122,9 %
ROE
-498,0 %
Net margin
-139,2 %
Debt / equity
—
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$0,80
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
Callan JMB Inc. operates as a transaction processing services provider within the payment networks industry, generating revenue through cross-selling solutions and proprietary inventory management software.
Business. CALLAN JMB INC. (CJMB) is a financial services company operating in the Transaction Processing Services industry, specifically within the Payment Networks activity. The firm is headquartered in the United States and is listed on the Nasdaq stock exchange. As segment and geographic breakdowns are not provided, the company is described at the industry level as a provider of transaction processing services.
Classification78 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupTransaction Processors
IndustryTransaction Processing Services
ActivityPayment Networks
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership→
Geode Capital Management, L.L.C.
largest disclosed fund holder
Profitability→
-498,0 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to CJMB. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
CALLAN JMB INC. (CJMB) is a financial services company operating in the Transaction Processing Services industry, specifically within the Payment Networks activity. The firm is headquartered in the United States and is listed on the Nasdaq stock exchange. As segment and geographic breakdowns are not provided, the company is described at the industry level as a provider of transaction processing services.
Classification78 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupTransaction Processors
IndustryTransaction Processing Services
ActivityPayment Networks
AI synthesis
GENERATEDCallan JMB Inc. maintains a debt-free capital structure with zero short-term debt and a debt-to-equity ratio of 0.0, supported by $1.42 million in cash and equivalents against total assets of $5.71 million. The current ratio stands at 2.0, indicating adequate short-term liquidity coverage despite negative operating cash flow of -$1.68 million in Q1 2026. The company’s market capitalization of $3.15 million implies a price-to-book ratio of 1.97, while the enterprise value-to-revenue multiple is 0.3, reflecting a distressed valuation profile.
Profitability metrics are severely negative, with a net income of -$3.22 million and an operating income of -$1.70 million for the quarter. Return on equity is -4.98 and return on assets is -1.40, indicating significant erosion of shareholder value. The gross profit of $427,235 on revenue of $1.11 million suggests a gross margin of approximately 38.6%, but operating expenses far exceed this contribution, leading to substantial net losses.
Key takeaways
- The company reports a net loss of -$3.22 million in Q1 2026, with negative operating cash flow of -$1.68 million.
- Debt-free balance sheet with $1.42 million in cash, but going-concern language raises liquidity concerns.
- Recent equity issuances for ELOC-related expenses contribute to medium dilution risk.
- Valuation multiples are distressed, with EV/Revenue of 0.3 and P/B of 1.97.
- Critical 8-K filing indicates material corporate developments requiring close monitoring.
Bull / Bear case
Generated · model-assistedBULL CASE · 5
Callan Jmb Inc. maintains a zero debt-to-equity ratio, significantly below the cohort median of 0.36, indicating a conservative capital structure.
The company's cash conversion ratio of 0.57 exceeds the cohort median of 0.13, demonstrating superior ability to convert earnings into cash.
Equity grew by 177.2% year-over-year in FY2025, suggesting significant capital strengthening or retained earnings accumulation despite net losses.
Revenue increased by 14.7% year-over-year in FY2025, reaching $6.56 million, showing top-line growth momentum in the latest period.
The current ratio of 2.16 indicates strong short-term liquidity, providing a buffer against immediate financial obligations and operational needs.
BEAR CASE · 3
Return on equity of -4.98% ranks in the bottom quartile compared to the cohort median of -0.11%, indicating poor capital efficiency.
The company faces a high liquidity risk flag, signaling potential difficulties in meeting short-term financial obligations despite current ratios.
Total assets declined by 12.0% year-over-year in FY2025, suggesting a shrinking balance sheet and potential contraction in business scale.
In focus — financials by report
Quarterly
Annual
QUARTERLYFiled 2026-03-31
Q4 2025 · Quarter highlights
Revenue $1.1M; Operating income -$1.7M.
Revenue$1.1M
Operating income-$1.7M
Net income-$3.2M
Free cash flow-$1.7M
EPS—
Operating cash flow-$1.7M
Financials
Income statement
Revenue$1.1M
Gross profit$427.2k
Operating income-$1.7M
Net income-$3.2M
Margins
Gross margin38.6%
Operating margin-153.8%
Net margin-290.7%
FCF margin-155.1%
Balance sheet
Total assets$5.7M
Total liabilities$4.1M
Total equity$1.6M
Cash & equivalents$1.4M
Long-term debt—
Cash flow
Operating cash flow-$1.7M
CapEx$35.3k
Free cash flow-$1.7M
SBC$394.3k
P&L flow · revenue → net income
Highlights
- ▍Revenue $1.1M
- ▍Operating income -$1.7M
- ▍Net margin -290.7%
QUARTERLYFiled 2025-09-30
Q2 2025 · Quarter highlights
Revenue $4.6M; Operating income -$4.5M.
Revenue$4.6M
Operating income-$4.5M
Net income-$5.4M
Free cash flow-$4.5M
EPS—
Operating cash flow-$3.9M
Financials
Income statement
Revenue$4.6M
Gross profit$1.8M
Operating income-$4.5M
Net income-$5.4M
Margins
Gross margin38.4%
Operating margin-99.2%
Net margin-117.8%
FCF margin-98.7%
Balance sheet
Total assets$7.7M
Total liabilities$3.6M
Total equity$4.2M
Cash & equivalents$2.8M
Long-term debt—
Cash flow
Operating cash flow-$3.9M
CapEx$616.9k
Free cash flow-$4.5M
SBC$1.2M
P&L flow · revenue → net income
Highlights
- ▍Revenue $4.6M
- ▍Operating income -$4.5M
- ▍Net margin -117.8%
QUARTERLYFiled 2025-06-30
Q1 2025 · Quarter highlights
Revenue $3.1M; Operating income -$2.6M.
Revenue$3.1M
Operating income-$2.6M
Net income-$2.6M
Free cash flow-$2.6M
EPS—
Operating cash flow-$2.1M
Financials
Income statement
Revenue$3.1M
Gross profit$1.3M
Operating income-$2.6M
Net income-$2.6M
Margins
Gross margin40.3%
Operating margin-84.9%
Net margin-84.8%
FCF margin-82.6%
Balance sheet
Total assets$9.0M
Total liabilities$3.1M
Total equity$5.8M
Cash & equivalents$4.2M
Long-term debt—
Cash flow
Operating cash flow-$2.1M
CapEx$447.5k
Free cash flow-$2.6M
SBC$749.9k
P&L flow · revenue → net income
Highlights
- ▍Revenue $3.1M
- ▍Operating income -$2.6M
- ▍Net margin -84.8%
ANNUALFiled 2025-12-31
FY 2025 · Full-year highlights
Revenue $5.7M; Operating income -$7.0M.
Revenue$5.7M
Operating income-$7.0M
Net income-$8.0M
Free cash flow-$5.2M
EPS—
Operating cash flow-$4.5M
Financials
Income statement
Revenue$5.7M
Gross profit$2.1M
Operating income-$7.0M
Net income-$8.0M
Margins
Gross margin36.8%
Operating margin-122.9%
Net margin-139.2%
FCF margin-90.2%
Balance sheet
Total assets$5.8M
Total liabilities$3.4M
Total equity$2.3M
Cash & equivalents$2.1M
Long-term debt—
Cash flow
Operating cash flow-$4.5M
CapEx$616.9k
Free cash flow-$5.2M
SBC$1.6M
P&L flow · revenue → net income
Highlights
- ▍Revenue $5.7M
- ▍Operating income -$7.0M
- ▍Net margin -139.2%
ANNUALFiled 2024-12-31
FY 2024 · Full-year highlights
Revenue $6.6M; Operating income -$2.3M.
Revenue$6.6M
Operating income-$2.3M
Net income-$2.3M
Free cash flow$494.2k
EPS—
Operating cash flow$540.4k
Financials
Income statement
Revenue$6.6M
Gross profit$2.6M
Operating income-$2.3M
Net income-$2.3M
Margins
Gross margin39.1%
Operating margin-34.7%
Net margin-34.9%
FCF margin7.5%
Balance sheet
Total assets$5.1M
Total liabilities$1.9M
Total equity$3.2M
Cash & equivalents$2.1M
Long-term debt—
Cash flow
Operating cash flow$540.4k
CapEx$46.2k
Free cash flow$494.2k
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue $6.6M
- ▍Operating income -$2.3M
- ▍Net margin -34.9%
ANNUALFiled 2024-12-31
FY 2025 · Full-year highlights
Revenue $6.6M; Operating income -$2.3M.
Revenue$6.6M
Operating income-$2.3M
Net income-$2.3M
Free cash flow$494.2k
EPS—
Operating cash flow$540.4k
Financials
Income statement
Revenue$6.6M
Gross profit$2.6M
Operating income-$2.3M
Net income-$2.3M
Margins
Gross margin39.1%
Operating margin-34.7%
Net margin-34.9%
FCF margin7.5%
Balance sheet
Total assets$5.1M
Total liabilities$1.9M
Total equity$3.2M
Cash & equivalents$2.1M
Long-term debt—
Cash flow
Operating cash flow$540.4k
CapEx$46.2k
Free cash flow$494.2k
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue $6.6M
- ▍Operating income -$2.3M
- ▍Net margin -34.9%
ANNUALFiled 2023-12-31
FY 2024 · Full-year highlights
Revenue $13.2M; Operating income $2.2M.
Revenue$13.2M
Operating income$2.2M
Net income$2.2M
Free cash flow$6.5M
EPS—
Operating cash flow$7.0M
Financials
Income statement
Revenue$13.2M
Gross profit$5.6M
Operating income$2.2M
Net income$2.2M
Margins
Gross margin42.8%
Operating margin16.7%
Net margin16.5%
FCF margin49.3%
Balance sheet
Total assets$9.7M
Total liabilities$910.3k
Total equity$8.8M
Cash & equivalents$5.2M
Long-term debt—
Cash flow
Operating cash flow$7.0M
CapEx$490.0k
Free cash flow$6.5M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue $13.2M
- ▍Operating income $2.2M
- ▍Net margin 16.5%
Valuation FY
Market price
$1,54
Market cap
$3.2M
Enterprise valueⓘ
$1.7M
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
0.3x
EV / Op incomeⓘ
—
EV / OCFⓘ
—
P / Bⓘ
2.0x
P / Tangible bookⓘ
2.0x
Tangible book
$1.6M
Net cashⓘ
$1.4M
Current ratioⓘ
2.0
Debt / equityⓘ
—
ROAⓘ
-1.4%
ROEⓘ
-5.0%
Cash conversionⓘ
57.0%
CapEx / revenueⓘ
10.8%
SBC / revenueⓘ
27.3%
Dilution ratioⓘ
-31.6%
Revenue by segment
Business relationships
Business relationships3 disclosed relationships · 1 type · extracted from filings & disclosures
Supply chain
Vendors → CJMB ↔ Partners → Customers · click any node to drill
3 mentions in 10-K0 from corporate websites0 from news dispatches
Updated 2026-07-04Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
— missing data
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskMedium
Liquidity riskHigh
Filing-based flags
- Filings reference going-concern or substantial-doubt language.
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Op Margin-122,9 %Bottom quartile
Net Margin-139,2 %Bottom quartile
ROE-498,0 %Bottom quartile
Capex / Rev10,8 %Best in class
D/E0,00Above median
Cash Conv0,57Above median
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
How metrics are computed
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Return On Assetsnet_income / total_assets
- Capex To Revenuecapital_expenditure / revenue
- Enterprise Valuemarket_cap - net_cash
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Source documents
- CALLAN JMB INC. company facts · 2026-07-04
- CALLAN JMB INC. 10-Q 2026-05-15 · 2026-07-04
- CALLAN JMB INC. 10-K 2026-03-31 · 2026-07-04
- CALLAN JMB INC. 10-Q 2025-11-14 · 2026-07-04
- CALLAN JMB INC. 10-Q 2025-08-14 · 2026-07-04
- 8-K (sec_8k_material) on CJMB · 2026-07-04
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
Insider activity
Net buying13 buys · 0 sellsnet $166K4 insiders · last 365d
- Chief Medical Officer, 10% owner · Common StockBought 10 195 @ $1,75$18K · 2026-03-20
- Chief Medical Officer, 10% owner · Common StockBought 14 805 @ $1,76$26K · 2026-03-06
- Director · Common StockBought 461 @ $1,22$562 · 2025-12-30
- Director · Common StockBought 10 000 @ $0,76$8K · 2025-12-30
- Director · Common StockBought 1 539 @ $1,20$2K · 2025-12-30
- Director, CEO, Chairman and President, 10% owner · Common StockBought 5 000 @ $1,73$9K · 2025-12-16
- Director, CEO, Chairman and President, 10% owner · Common StockBought 10 810 @ $1,70$18K · 2025-12-15
- Director, CEO, Chairman and President, 10% owner · Common StockBought 4 926 @ $1,75$9K · 2025-12-12
- Director, CEO, Chairman and President, 10% owner · Common StockBought 30 856 @ $1,65$51K · 2025-12-11
- Director, CEO, Chairman and President, 10% owner · Common StockBought 62 @ $1,79$111 · 2025-12-11
- Director, CEO, Chairman and President, 10% owner · Common StockBought 13 689 @ $1,65$23K · 2025-12-10
- Director · Common StockBought 612 @ $1,52$930 · 2025-12-09
- Director · Common StockBought 900 @ $1,56$1K · 2025-12-08
Short positioning
26.2Kshares short-69.5% vs prior
1days to cover
41.5%short of daily vol
681fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
CJMBCanonical
Nasdaq · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskMedium
Liquidity riskHigh
Filings reference going-concern or substantial-doubt language.
Source documents mention dilution or offering risk.
Relationship graph
This companySectorCustomers
Evidence & claims
From filings & derived data- Shares outstanding (annual): 4.86MUnknown
- Revenue (annual): USD 5.72MUnknown
- EPS (basic) (annual): USD-PER-SHARES -2Unknown
- Pre-tax income (annual): USD -7.97MUnknown
- Net income (annual): USD -7.97MUnknown
- Total assets (annual): USD 5.78MUnknown
- Current assets (annual): USD 3.06MUnknown
- Operating cash flow (annual): USD -4.55MUnknown
- Capex (annual): USD 616.9KUnknown
- EPS (diluted) (annual): USD-PER-SHARES -2Unknown
- Total liabilities (annual): USD 3.45MUnknown
- Gross profit (annual): USD 2.1MUnknown
- Shareholders' equity (annual): USD 2.33MUnknown
- Cash & equivalents (annual): USD 2.13MUnknown
- Current liabilities (annual): USD 1.41MUnknown
- Cost of revenue (annual): USD 3.62MUnknown
- Operating income (annual): USD -7.03MUnknown
- Revenue (annual): USD 6.56MUnknown
- Cash & equivalents (annual): USD 2.1MUnknown
- Total assets (annual): USD 5.08MUnknown
- Shares outstanding (annual): 3MUnknown
- Current assets (annual): USD 3.32MUnknown
- EPS (diluted) (annual): USD-PER-SHARES -1Unknown
- Cost of revenue (annual): USD 4MUnknown
Showing 24 of 34 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-07-29 22:34 UTCEVENTHa Price Listing CJMB remains DEFICIENT (NASDAQ) — cure period. closed below $1.00 for 37 consecutive trading days (last close $0.7). cure deadline 2027-01-17 (172 days remaining).
2026-07-03 04:32 UTCFILINGMaterial 8-K
2026-03-31EARNINGSQuarterly results — Q4 2025 Revenue USD 1.1M · Net USD -3.2M
2026-03-20 00:00 UTCINSIDER2 insider transactions — 2026-03
2026-03-20INSIDERCroyle David J bought 10.2k sh — Chief Medical Officer, 10% owner ~$18k
2026-03-06INSIDERCroyle David J bought 14.8k sh — Chief Medical Officer, 10% owner ~$26k
2025-12-31EARNINGSQuarterly results — Q3 2025
2025-12-31EARNINGSAnnual results — FY 2025 Revenue USD 5.7M · Net USD -8.0M
2025-12-30 00:00 UTCINSIDER11 insider transactions — 2025-12 · net buy $122k
2025-12-30INSIDERDial Gerald bought 461 sh — Director ~$1k
2025-12-30INSIDERDial Gerald bought 10.0k sh — Director ~$8k
2025-12-30INSIDERDial Gerald bought 1.5k sh — Director ~$2k
2025-12-16INSIDERWilliams Wayne D bought 5.0k sh — Director, CEO, Chairman and President, 10% owner ~$9k
2025-12-15INSIDERWilliams Wayne D bought 10.8k sh — Director, CEO, Chairman and President, 10% owner ~$18k
2025-12-12INSIDERWilliams Wayne D bought 4.9k sh — Director, CEO, Chairman and President, 10% owner ~$9k
2025-12-11INSIDERWilliams Wayne D bought 30.9k sh — Director, CEO, Chairman and President, 10% owner ~$51k
2025-12-11INSIDERWilliams Wayne D bought 62 sh — Director, CEO, Chairman and President, 10% owner ~$0k
2025-12-10INSIDERWilliams Wayne D bought 13.7k sh — Director, CEO, Chairman and President, 10% owner ~$23k
2025-12-09INSIDERDuke Liberty Smith bought 612 sh — Director ~$1k
2025-12-08INSIDERDuke Liberty Smith bought 900 sh — Director ~$1k
2025-09-30EARNINGSQuarterly results — Q2 2025 Revenue USD 4.6M · Net USD -5.4M
2025-06-30EARNINGSQuarterly results — Q1 2025 Revenue USD 3.1M · Net USD -2.6M
2025-03-27 00:00 UTCINSIDER1 insider transaction — 2025-03 · net buy $112k
2025-02-05 00:00 UTCINSIDER7 insider transactions — 2025-02 · net buy $350k 3 derivative
2024-12-31EARNINGSAnnual results — FY 2024 Revenue USD 6.6M · Net USD -2.3M
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data
Premium coverage