Owner Scorecard


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CMDB, Costamare Bulkers Holdings Limited

Marine Shipping capital-intensive UnprofitableDistress / turnaround

A capital-intensive business, run on heavy physical assets that must be kept working and earn a return above what they cost to maintain.

Latest annual: FY2025 20-F · US listing is the ordinary share
CMDB · Costamare Bulkers Holdings Limited
I

The business

What it sells, where the money comes from, the kind of company it is.

Revenue · FY2025
$597M
Vital signs · TTM, with 3-yr average
Revenue $597M 3-yr avg $199M
Operating margin −5.1% 3-yr avg −5.1%
ROIC −4% 3-yr avg −2%

The business in brief

What this business is and what moves its needle, from its own SEC filings.

Situation
Unprofitable. No sustained operating profit across the record; an earnings multiple has nothing to rest on. What the record does show is revenue, the gross-margin trajectory, and the burn against the cash on hand. Distress / turnaround. Thin interest coverage, or operating cash burned against real debt, across the record. The balance sheet carries this situation; the debt schedule sets the clock.
What moves the needle
Whether the heavy assets earn more than they cost to keep. What decides it: the return on the capital sunk into them, how much of the capex is merely standing still versus growing, and what a downturn does to a fixed-cost base. Here the balance sheet is the defense and cyclicality the enemy.

Every line is arithmetic on the company's filings, shown in full in the sections below.

II

The record

Ten years of arithmetic, read across the cycle.

The record, 2023–2025

realized figures from each filing · older years to the left
2023’232024’242025’25TTMTTMDec 2025
Income statement
$0$0$597M$597MRevenueRevenue
$0$0($31M)($31M)Operating incomeOp. inc.
−5.1%−5.1%Operating marginOp. mgn
$0$6K($37M)($37M)Net incomeNet inc.
Cash flow & returns
$0$4K$76M$76MOperating cash flowOp. cash
$0$0$28M$28MDepreciationDeprec.
$0($2K)$85M$85MWorking capital & otherWC & other
0%-4%-4%ROICROIC
100%-6%-6%Return on equityROE
100%−6%−6%Retained to equityRetained/eq
Balance sheet
$4K$212M$212MCash & investmentsCash+inv
$0$14M$14MInventoryInvent.
$0$14M$14MOperating working capitalOper. WC
$6K$294M$294MCurrent assetsCur. assets
$2M$123M$123MCurrent liabilitiesCur. liab.
0.0×2.4×2.4×Current ratioCurr. ratio
$2M$929M$929MTotal assetsAssets
$0$156M$156MTotal debtDebt
($4K)($56M)($56M)Net debt / (cash)Net debt
-3.8×-3.8×Interest coverageInt. cov.
$0$6K$666M$666MShareholders’ equityEquity
Per share
10K24.2M24.2MShares out (diluted)Shares
$0.00$24.70$24.70Revenue / shareRev/sh
$0.60$-1.54$-1.54EPS (diluted)EPS
$0.60$27.53$27.53Book value / shareBVPS

The diluted share count moved ×2418.05 into 2025 — shares issued, not a split the totals corroborate — and the per-share figures carry the counts as filed.

III

Quality & stewardship

Returns, the balance sheet, capital allocation, and pay.

Owner’s Scorecard

FY2025 20-F · source on SEC EDGAR →

Will it survive?

  • Does not cover its interest
    Operating income ($31M) ÷ interest expense $8M
    What this means

    A full year of operating profit didn't cover the interest bill. This is the zombie zone: the business depends on refinancing, asset sales, or forbearance to service its debt.

  • Net cash
    Cash $212M − debt $156M
    What this means

    Cash and short-term investments exceed every dollar of debt by $56M, on net the company owes nothing, and can act from strength when others can't. Net debt is the leverage figure that matters: the cash is already set against the debt. Strategic or illiquid investments aren't counted here.

  • Not enough data
    What this means

    The filing data didn't include the inputs for this check.

Is it a good business?

  • Below average
    NOPAT ($24M) ÷ invested capital $609M (debt + equity − cash)
    Industry peers: median 4%
    What this means

    The rate the business earns on the money tied up in it, Buffett's north star, because over time a stock tracks the ROIC beneath it. Above ~15% sustained hints at a moat; a return below the cost of capital (~8%) erodes value as a business grows rather than building it — the test Buffett weighs most. Asset-light businesses (R&D expensed, little capital) read artificially high, pair this with Owner Earnings.

  • Not enough data
    Industry peers: median 12%
    What this means

    The filing data didn't include the inputs for this check.

  • Loss, but cash-generative
    Net income ($37M) · cash from operations $76M
    What this means

    The company reported a net loss, so a conversion ratio isn't meaningful. What matters then is whether operations still threw off cash, here, they did.

How is the cash used?

  • Not enough data
    What this means

    The filing data didn't include the inputs for this check.

  • Investing or harvesting?
    Not enough data
    What this means

    The filing data didn't include the inputs for this check.

Graham’s defensive tests · 2 of 3 met

Graham’s numerical criteria for the defensive investor (The Intelligent Investor, ch. 14), run on the filings. A floor of safety, not a buy signal; many fine modern businesses fail his strictest liquidity rules by design.

  • Adequate size Miss
    Revenue ≥ $2B · $597M
    What this means

    Big enough to weather a storm. Graham's 1972 floor was ~$100M of sales (≈ $700M today); we use a $2B revenue line as a conservative modern stand-in.

  • Strong liquidity Pass
    Current ratio ≥ 2× · 2.38×
    What this means

    Current assets at least twice current liabilities, near-term bills covered without touching the business. Strict by design: many cash-rich modern firms run leaner and miss it, holding their cushion in longer-dated securities.

  • Conservative debt Pass
    Debt ≤ working capital · $156M vs $170M WC
    What this means

    Graham's rule that borrowings not exceed net current assets. Capital-heavy and buyback-heavy firms routinely fail it, read it next to interest coverage, not alone.

  • Moderate price
    P/E ≤ 15 and P/E × P/B ≤ 22.5 · decided by the price
    What this means

    Graham's valuation gate, the wall he kept between a sound business and a sound investment. Three-year average earnings are $-0.51/share (latest year $-1.54), the averaged base the calculator's gate runs on, and book value is $27.53/share. Enter a price in “What the price implies” just below for the P/E, P/B, and whether it clears. But this is the rule Buffett outgrew: there's no hard P/E law, and a wonderful business can deserve a far richer multiple if the thesis holds, treat it as the bargain-hunter's floor, not a verdict on the price.

Does AI threaten the moat?

Low contestability

The moat is physical, regulated or balance-sheet-funded, the kind AI cuts costs within but does not contest.

AI is unlikely to contest a moat that is physical, regulated or balance-sheet-funded; here it reads more as a cost tool than a threat.

Read from the filing's own risk factors, paired with the industry's structure under its SIC code; the durability is read above, the price below.

All figures as filed; the source filing is linked above.

Current Position

as of fiscal year-end, Dec 31, 2025

Can the business pay what it owes this year, off the freshest balance sheet: the quality of the assets, the debt actually coming due, and what a low ratio means here.

Current assets$294M
  • Cash & short-term investments$212M
  • Inventory$14M
  • Other current assets$68M
Current liabilities$123M
  • Debt due within a year$15M
  • Other current liabilities$108M
Current ratio2.38×all current assets ÷ what's due · Graham looked for 2×
Quick ratio2.27×stricter: inventory excluded
Cash ratio1.72×strictest: cash alone against what's due
Working capital$170Mthe cushion left after near-term bills
Debt due this year vs. cash$15M due · $212M cash covered by cash on hand, no refinancing forced · both figures from the Dec 31, 2025 balance sheet
Deeper floors
Tangible book value$666Mequity stripped of goodwill & intangibles
Debt incl. operating leases$195M$39M of it operating leases
Deferred revenue$12Mcustomer cash collected before delivery; operating float

From the company's latest filing.

Peers, Marine Shipping

The same industry, side by side on owner economics. Each figure is a through-cycle median, so a peak or trough year can’t distort it; the group median at the foot is the line to read each against.

CompanyRevenueGross marginOp. marginROICOwner earn. margin
KEXKirby$3.4B7.7%4%10%
MATXMatson$3.3B96%11.4%11%12%
TDWTidewater Inc.$1.4B-12.5%-6%3%
INSWInternational Seaways Inc. Common Stock$843M12.3%3%33%
PANLPangaea Logistics Solutions Ltd.$632M7.7%10%10%
CMDBCostamare Bulkers Holdings Limited$597M-5.1%-4%
LPGDorian LPG Ltd.$482M35.2%7%38%
GNKGenco Shipping & Trading Limited$342M-1.1%-0%31%
Group median7.7%3%
IV

The price

What a price has to assume.

What the price implies

reverse-DCF

Enter the US price, in dollars: the NYSE/Nasdaq quote you hold. Costamare Bulkers Holdings Limited's US listing is the ordinary share itself. The record tables elsewhere on this page remain as filed.

The owner-earnings base could not be formed from this filing’s tagged data (operating cash flow or capital spending is missing), so the owner-earnings reverse-DCF has no base to grow. We read the price from both ends instead: type a price to see the profitability it demands, then set the mature margin you would believe and weigh the two against each other. Nothing leaves your browser unless you enter it in your notebook.

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The assumptions

Enter a price to run it.

Owner earnings it must reach
Margin the price demands
Owner-earnings margin today

Two reads of one future. From your price: the owner earnings the company must reach, valued at a mature multiple and discounted back at your rate, expressed as the margin it implies on revenue grown at your rate. From your belief: the mature margin you would credit, set on the dial above. When the margin the price demands runs above the one you would believe, you are paying for a future taken on faith. For a deep cyclical at a trough, normalized through-cycle earnings are the better lens; this mode is for the genuinely unprofitable, and for the profitable business whose capital spending currently outruns its cash.

Cite: Owner Scorecard, "Costamare Bulkers Holdings Limited (CMDB), the owner's record," https://ownerscorecard.com/c/CMDB, data as of 2026-07-09.

Manual order: ← CMCM its page in the Manual CMRE →

Industry order: ← CMBT the Marine Shipping chapter CMRE →