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CRMZ · CreditRiskMonitor.com, Inc.
OTC MARKETS - Real Time Price • USD
$2.10
+0.00
(+0.00%)
● Overnight
DAY'S RANGE
$2.10
$2.10
$2.10
52-WEEK RANGE
$2.10
$1.98
$2.99
What's happening
- CRMZ is up 0.00% today, trading at $2.10. — Live quote
- Reports earnings on 2026-11-09, 18 days away. (Finnhub earnings calendar)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Performance Overview (Trailing returns vs S&P 500 benchmark)
YTD RETURN
CRMZ
-22.22%
vs S&P 500
-31.45%
1-YEAR RETURN
CRMZ
+6.52%
vs S&P 500
-5.91%
6-MONTH RETURN
CRMZ
-23.64%
3-MONTH RETURN
CRMZ
-6.67%
Earnings Trends (Quarterly EPS Actual vs Estimate)
2023-10-26 (Q3 2023)
$0.04
Est. $—
Valuation Measures & Ratios
Enterprise Value4$13.3M
Forward P/E5—
PEG Ratio6—
Price / Sales (TTM1)1.11
Price / Book72.27
EV4 / Revenue0.65
EV4 / EBITDA17.00
Profit Margin1.05%
Operating Margin-1.58%
Return on Equity (ROE8)1.81%
Return on Assets (ROA9)0.83%
Avg Volume (3M)4,860
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Events
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
Loading chart…
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
No reviewed peer group is available for this symbol.
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 2.1% on the provider's reported measure. Finnhub fundamentals ↗
- Trailing 52-week price return is +6.5%. Finnhub market metrics ↗
Potential concerns
- Net profit margin is 1.1%. Finnhub fundamentals ↗
- Trailing P/E is 106.2, a high price relative to reported earnings. Finnhub fundamentals ↗
- Latest SEC filing is Form 8-K, filed 2026-09-18; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on CRMZ
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5.2M | $5.0M | $5.1M | $5.1M | $4.9M | $5.0M | $4.9M | $4.8M |
| Operating income | -$663.9K | -$93.7K | $127.4K | -$8.4K | $25.4K | $449.3K | -$25.6K | -$35.8K |
| Net income | -$474.8K | $58.3K | $244.9K | $135.4K | $159.1K | $551.6K | $129.2K | $127.4K |
| EPS (diluted) | $-0.04 | $0.01 | $0.02 | $0.01 | $0.01 | $0.05 | $0.01 | $0.01 |
| EPS (basic) | $-0.04 | $0.01 | $0.02 | $0.01 | $0.01 | $0.05 | $0.01 | $0.01 |
| Operating margin | -$13 | -$2 | $3 | -$0 | $1 | $9 | -$1 | -$1 |
| Net margin | -$9 | $1 | $5 | $3 | $3 | $11 | $3 | $3 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $25.8M | $25.1M | $26.3M | $25.9M | $26.1M | $24.4M | $24.9M | $25.7M |
| Total liabilities | $15.4M | $12.7M | $15.4M | $13.9M | $14.4M | $13.1M | $13.8M | $15.5M |
| Stockholders' equity | $10.4M | $10.8M | $10.9M | $11.9M | $10.4M | $10.2M | $10.2M | $10.2M |
| Total current assets | $22.4M | $21.7M | $21.8M | $16.9M | $15.2M | $12.3M | $13.7M | $14.9M |
| Total current liabilities | $15.3M | $12.1M | $15.2M | $13.2M | $13.7M | $12.3M | $13.1M | $13.6M |
| Cash & equivalents | $9.3M | $5.7M | $6.2M | $6.9M | $5.8M | $5.8M | $6.7M | $7.9M |
| Marketable securities (current) | — | — | — | — | — | — | — | — |
| Accounts receivable | $3.6M | $3.2M | $3.8M | $3.0M | $4.7M | $3.9M | $3.6M | $3.6M |
| Other current assets | $920.1K | $1.1M | $1.1M | $899.7K | $908.6K | $1.1M | $929.5K | $916.3K |
| Property, plant & equipment | $391.0K | $442.7K | $415.9K | $432.0K | $509.0K | $417.8K | $497.6K | $544.1K |
| Goodwill | $2.0M | $2.0M | $2.0M | $2.0M | $2.0M | $2.0M | $2.0M | $2.0M |
| Other non-current assets | — | — | — | — | — | — | $0 | $18.1K |
| Accounts payable | $193.5K | $151.2K | $170.0K | $191.6K | $219.3K | $188.5K | $319.7K | $72.9K |
| Accrued liabilities | $3.8M | $1.2M | $4.1M | $2.1M | $1.7M | $1.2M | $1.9M | $2.4M |
| Deferred revenue (current) | $11.2M | $10.8M | $10.9M | $10.9M | $11.8M | $11.0M | $10.9M | $10.9M |
| Other non-current liabilities | — | — | — | — | — | — | — | — |
| Common stock & paid-in capital | $107.7K | $107.7K | $107.7K | $107.7K | $107.7K | $107.2K | $107.2K | $107.2K |
| Retained earnings | -$20.1M | -$18.0M | -$19.5M | -$18.4M | -$19.9M | -$20.1M | -$20.1M | -$19.9M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $413.8K | -$452.1K | -$617.5K | $1.4M | $1.0M | -$837.6K | $662.5K | $648.9K |
| Investing cash flow | $3.2M | -$80.7K | -$52.7K | -$283.2K | -$1.2M | $309 | -$1.9M | -$5.1M |
| Financing cash flow | $0 | — | $0 | $0 | $96.9K | — | $0 | $0 |
| Free cash flow | $413.8K | -$532.8K | -$670.2K | $1.4M | $792.3K | -$843.6K | $561.8K | $568.1K |
| Capital expenditures | $0 | $80.7K | $52.7K | $1.3K | $208.2K | $6.0K | $100.7K | $80.8K |
| Share-based compensation | $37.0K | $25.7K | $24.3K | $22.8K | $23.2K | $27.3K | $25.1K | $26.3K |
| Deferred income taxes | — | — | -$125.8K | — | — | — | $130.8K | — |
| Change in accounts receivable | $432.2K | -$576.4K | $810.0K | -$1.7M | $817.7K | $265.9K | $65.0K | $8.8K |
| Change in accounts payable | $42.3K | -$18.8K | -$21.6K | -$27.7K | $30.9K | -$131.3K | $246.8K | -$5.9K |
| Purchases of investments | — | — | — | — | — | — | — | — |
| Sales/maturities of investments | — | — | — | — | — | — | — | — |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $20.1M | $19.8M | $18.9M | $18.0M | $17.1M |
| Operating income | $582.0K | $1.2M | $1.5M | $1.6M | $2.3M |
| Net income | $1.0M | $1.7M | $1.7M | $1.4M | $3.4M |
| EPS (diluted) | $0.09 | $0.16 | $0.16 | $0.13 | $0.31 |
| EPS (basic) | $0.09 | $0.16 | $0.16 | $0.13 | $0.31 |
| Operating margin | $3 | $6 | $8 | $9 | $13 |
| Net margin | $5 | $8 | $9 | $8 | $20 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $26.2M | $24.9M | $24.1M | $22.5M | $20.4M |
| Total liabilities | $13.9M | $13.8M | $14.7M | $14.9M | $14.3M |
| Stockholders' equity | $12.4M | $11.1M | $9.4M | $7.6M | $6.1M |
| Total current assets | $21.8M | $13.7M | $19.2M | $18.1M | $15.8M |
| Total current liabilities | $13.3M | $13.1M | $12.7M | $12.6M | $11.8M |
| Cash & equivalents | $6.2M | $6.7M | $11.0M | $9.9M | $12.4M |
| Marketable securities (current) | — | — | — | — | — |
| Accounts receivable | $3.8M | $3.6M | $3.9M | $3.5M | $2.8M |
| Other current assets | $1.1M | $929.5K | $788.7K | $656.4K | $581.1K |
| Property, plant & equipment | $415.9K | $497.6K | $557.6K | $481.8K | $606.2K |
| Goodwill | $2.0M | $2.0M | $2.0M | $2.0M | $2.0M |
| Other non-current assets | — | $0 | $18.1K | $163.5K | $86.7K |
| Accounts payable | $170.0K | $319.7K | $142.0K | $245.9K | $358.3K |
| Accrued liabilities | $2.2M | $1.9M | $2.1M | $2.2M | $1.7M |
| Deferred revenue (current) | $10.9M | $10.9M | $10.3M | $10.0M | $9.5M |
| Other non-current liabilities | — | — | — | — | — |
| Common stock & paid-in capital | $107.7K | $107.2K | $107.2K | $107.2K | $107.2K |
| Retained earnings | -$18.1M | -$19.1M | -$20.7M | -$22.4M | -$23.8M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $968.2K | $2.9M | $1.4M | $1.7M | $2.0M |
| Investing cash flow | -$1.5M | -$7.2M | -$311.0K | -$4.3M | $101.4K |
| Financing cash flow | $96.9K | $0 | — | — | $0 |
| Free cash flow | $699.9K | $2.5M | $1.1M | $1.5M | $1.6M |
| Capital expenditures | $268.3K | $378.7K | $303.9K | $258.0K | $356.8K |
| Share-based compensation | $97.5K | $99.0K | $103.1K | $80.4K | $63.7K |
| Deferred income taxes | -$125.8K | $130.8K | $18.0K | -$75.2K | $74.4K |
| Change in accounts receivable | $155.7K | -$310.2K | $440.9K | $697.0K | $245.8K |
| Change in accounts payable | -$149.7K | $177.8K | -$103.9K | -$112.5K | $228.2K |
| Purchases of investments | — | — | — | — | — |
| Sales/maturities of investments | — | — | — | — | $458.2K |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding CRMZ as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Institutional ownership is not available for this symbol right now.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2008-08-28 to 2020-07-24
Insider purchases & sales, last 6 months
Purchases (open market)0 sh(0 txns)
Sales (open market)0 sh(0 txns)
Net Shares+0
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| LIPPE RICHARD A | Director | Open market purchase | 2020-07-24 | 4,000 |
| Danner William B | President | Open market purchase | 2017-05-12 | 500 |
| Geisenheimer Jeffrey S | Director | Option exercise | 2015-06-24 | 30,000 |
| Fensterstock Lawrence | Snr. VP, CFO and Secretary | Option exercise | 2013-07-31 | 5,000 |
| FLUM JEROME S | COB and CEO | Gift | 2012-12-18 | 221,000 |
| Flum Joshua Matthew | Director | Gift | 2012-12-18 | 5,000 |
| FLUM PARTNERS | 10% owner | Other acquisition/disposition | 2012-04-11 | 234,736 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-21 23:35 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-09-18 | 8-K | 2026-09-14 | View on SEC.gov → |
| 2026-08-19 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-08-17 | 8-K | 2026-08-12 | View on SEC.gov → |
| 2026-08-06 | 8-K | 2026-08-03 | View on SEC.gov → |
| 2026-05-12 | 10-Q | 2026-03-31 | View on SEC.gov → |
| 2026-03-24 | 10-K | 2025-12-31 | View on SEC.gov → |
| 2026-03-04 | 8-K | 2026-02-27 | View on SEC.gov → |
| 2025-11-10 | 10-Q | 2025-09-30 | View on SEC.gov → |
| 2025-09-24 | 8-K | 2025-09-23 | View on SEC.gov → |
| 2025-09-22 | 8-K | 2025-09-18 | View on SEC.gov → |
| 2025-08-06 | 10-Q | 2025-06-30 | View on SEC.gov → |
| 2025-05-08 | 10-Q | 2025-03-31 | View on SEC.gov → |
Recent news
Headlines about CRMZ (CreditRiskMonitor.com, Inc.). Links open the publisher — we don’t host full articles.
-
CreditRiskMonitor GAAP EPS of -$0.04, revenue of $5.16M
Seeking Alpha · 2026-08-20 -
CreditRiskMonitor Announces Second Quarter Results
Yahoo Finance · 2026-08-19 -
Nuvo Integrates CreditRiskMonitor Risk Intelligence into Agentic Order-to-Cash Network
Yahoo Finance · 2026-07-09 -
CreditRiskMonitor Announces First Quarter Results
Yahoo Finance · 2026-05-12 -
CreditRiskMonitor.com Achieves SOC 2 Type 1 Compliance
Yahoo Finance · 2026-01-23 -
CreditRiskMonitor Announces Third Quarter Results
Yahoo Finance · 2025-11-10
No headlines in this category right now — try “All”.