Exploring Creative Medical Technology Holdings, Inc. (CELZ) Investor Profile: Who’s Buying and Why?

You're looking at Creative Medical Technology Holdings, Inc. (CELZ) and wondering who is actually holding the bag, and more importantly, why the smart money isn't piling in yet-it's a fair question for a micro-cap biotech. What you see is a company with a small market capitalization of roughly $11.27 million, where institutional ownership sits at a surprisingly low 1.96%, meaning retail investors still drive the vast majority of the trading volume. This dynamic is critical, because it means the stock's movement is highly sensitive to sentiment, not just fundamentals; for instance, the recent October 2025 announcement of warrant exercises for $4.2 million in gross proceeds was a necessary capital infusion, but it also points to the constant need for funding in a pre-profit stage. Can a regenerative medicine company with a nine-month 2025 net loss of $4.11 million truly deliver on its forecast of 67% annual revenue growth over the next three years, or is this a speculative bet on their AlloStem and ImmCelz platforms? You need to understand the profile of the investors who are defintely buying now, and what they see that the big funds are waiting for.

Who Invests in Creative Medical Technology Holdings, Inc. (CELZ) and Why?

If you're looking at Creative Medical Technology Holdings, Inc. (CELZ), you need to understand that this is not a broad-based institutional holding; it's a nanocap biotechnology play where the ownership structure tells the real story. The stock is defintely driven by a small, concentrated group of insiders and a highly motivated retail base, all betting on a future clinical breakthrough.

The core takeaway is this: institutional money holds a minimal stake, so the stock's volatility and price action are largely controlled by internal decisions and retail sentiment. This is a high-risk, high-reward profile, plain and simple.

The Ownership Split: Insider vs. The Street

Creative Medical Technology Holdings, Inc.'s investor base is heavily skewed toward those closest to the company. As of late 2025, the most striking figure is the high level of insider ownership, which stands at approximately 92.56%. This means management and directors hold the vast majority of the equity, aligning their long-term interests directly with the company's success.

In contrast, institutional ownership is quite low, a common trait for micro- or nanocap stocks like CELZ, which has a market capitalization of around $8.13 million as of November 2025. Only about 1.42% to 2.71% of the stock is held by institutions, which translates to a total of roughly 106,141 shares held by only 19 institutional owners. These institutional investors are typically a mix of:

• Passive Index Funds: Funds like Vanguard Group Inc. and Geode Capital Management, Llc hold shares primarily because CELZ is included in a broader index, such as the Vanguard Extended Market Index Fund Investor Shares (VEXMX). They are not making an active, fundamental bet on the company.
• Hedge Funds & Active Managers: A few, like Citadel Advisors Llc, might engage in short-term trading or arbitrage strategies, given the stock's volatility.
• Retail Investors: The remaining float is largely held by individual, non-professional investors who are attracted to the speculative growth potential of a clinical-stage biotech company.

The Core Motivation: Pipeline Catalysts

Investors are buying Creative Medical Technology Holdings, Inc. not for current revenue-which was only about $6.00K for the twelve months ending September 30, 2025-but for the future value locked in its regenerative medicine pipeline. The motivation is pure growth and the massive upside that comes with clinical success. You are buying a potential future cash flow, not a present one.

The near-term focus is on two key FDA-cleared programs, both leveraging the AlloStem platform, which are seen as critical catalysts for 2026:

• CELZ-201-DDT (ADAPT): For degenerative disc disease, which has secured FDA Fast Track designation. Topline results are expected in the first half of 2026.
• CELZ-201 (CREATE-1): For new-onset Type 1 Diabetes, with early data also anticipated in 2026.

Plus, the company has been actively bolstering its financial position to fund these trials, securing approximately $4.2 million in gross proceeds from the exercise of warrants in October 2025. This provides a crucial cash runway for continued operations, a major concern for any clinical-stage biotech. You should also check out the Mission Statement, Vision, & Core Values of Creative Medical Technology Holdings, Inc. (CELZ) to understand the long-term strategic vision that underpins these investments.

Strategies in a Nanocap Biotech

The strategies employed by CELZ investors reflect the company's profile as a high-risk, pre-commercial entity. Here's the quick math: with a Q3 2025 loss per share of -$0.48, this is a bet on a scientific payoff, not an earnings turnaround.

The primary strategies break down into three camps, which often overlap:

For the long-term investor, the strategy is a 'binary event' bet. A positive Phase 2 result for CELZ-201-DDT, for example, could send the stock soaring toward the analyst-estimated fair value of $4.00 per share or higher, based on Discounted Cash Flow (DCF) models. What this estimate hides, however, is the complete loss of capital risk if the clinical trials fail. Your action here is simple: Finance needs to model the cash burn rate against the $5.38 million cash on hand from the last reported quarter to estimate the next financing event by the end of Q1 2026.

Institutional Ownership and Major Shareholders of Creative Medical Technology Holdings, Inc. (CELZ)

If you are looking at Creative Medical Technology Holdings, Inc. (CELZ), the first thing to understand is that institutional money is not the primary driver here. As a clinical-stage biotechnology company, CELZ exhibits a high-risk, high-reward profile, and its ownership structure reflects that reality. Institutional investors hold a very small fraction of the company, which is a critical point for any decision-maker to grasp.

The total institutional ownership of CELZ stock is remarkably low, hovering around 2.71% of the shares outstanding, as of the most recent filings. To put that in perspective, the average for the U.S. Biotechnology industry is dramatically higher, sometimes cited as high as 295.31%. This means the stock's price action is overwhelmingly driven by retail investors, who own an estimated 95.93% of the company.

The institutional players who are involved are typically those with a mandate to capture the entire market, like index funds, or specialized funds making small, calculated bets. These are the top institutional investors, holding a total of approximately 106,141 shares across 19 institutional owners:

• Geode Capital Management, Llc: Holds 20,876 shares, valued at approximately $66.18k.
• Vanguard Group Inc: Holds 17,629 shares, valued at approximately $55.88k.
• Northern Trust Corp: Holds 11,707 shares.
• Citadel Advisors Llc: Holds 11,145 shares.

The big names you might expect, like BlackRock, are not among the top shareholders, which tells you this is a micro-cap play, not a core holding for major asset managers.

Recent Shifts in Institutional Stakes (Q2 2025)

Looking at the second quarter of the 2025 fiscal year, we saw a mixed, but telling, picture of institutional sentiment. This is where you see the tactical maneuvering of funds. Specifically, 6 institutional investors added shares to their portfolios, while 5 decreased their positions.

The most significant move was a complete exit: Armistice Capital, LLC removed 148,000 shares from their portfolio, a -100.0% change, estimated at a value of $392,200. That's a large chunk of institutional capital pulling out, which often signals a loss of confidence in the near-term catalyst. To be fair, two other firms, HRT Financial LP and Virtu Financial LLC, also fully exited their positions.

However, there were notable buyers, indicating some funds are still accumulating. Northern Trust Corp and Citadel Advisors LLC both made new, notable additions, and Geode Capital Management, LLC increased its position by 14.3% (2,608 shares). Here's the quick math on some of the key Q2 2025 moves:

The Minimal Impact of Institutional Investors on CELZ

The primary role of these large investors in CELZ is less about driving the stock price and more about providing a baseline of credibility and liquidity. When institutional ownership is this low, the stock price is highly sensitive to retail sentiment and company news, making it volitile. This is a classic characteristic of a micro-cap biotech stock.

The real influence on strategy comes from the high insider ownership-around 1.36%-and the company's ability to execute on its regenerative medicine pipeline, particularly the ImmCelz platform, which recently secured two cornerstone U.S. patents in Q3 2025. The company's recent capital raise in October 2025, securing approximately $4.2 million through warrant exercises, is a far more critical factor for its near-term operations than any institutional trading volume.

What this low institutional ownership hides is the high-stakes nature of the business. You are investing in the science and the management's ability to hit clinical milestones, not a consensus-backed stock. For a deeper dive into the company's foundation and mission, you can check out Creative Medical Technology Holdings, Inc. (CELZ): History, Ownership, Mission, How It Works & Makes Money.

Your action item is clear: do not rely on institutional ownership as a validation signal for CELZ. Focus your due diligence on the clinical trial progress, the strength of the patent portfolio, and the cash runway against the Q3 2025 reported Earnings Per Share (EPS) of -$0.48.

Key Investors and Their Impact on Creative Medical Technology Holdings, Inc. (CELZ)

If you're looking at Creative Medical Technology Holdings, Inc. (CELZ), the first thing to understand is that this is defintely a story driven by retail investors and company insiders, not the institutional giants. The direct takeaway is this: institutional ownership is remarkably low, meaning the stock's volatility is high, and company decisions are heavily influenced by the executive team and individual investors.

As of late 2025, institutional shareholders own only about 2.71% of the stock, which is tiny for a Nasdaq-listed biotech company. The vast majority-around 95.93%-is held by retail investors, who are often more reactive to news and social sentiment than large funds. This ownership structure is why you see the stock's beta (a measure of volatility) sitting high at 4.6.

Notable Investors and Their Stakes

While the institutional presence is small, a few recognizable names are on the shareholder list. These funds typically invest passively, often through index-tracking strategies, which is common for smaller, micro-cap stocks like Creative Medical Technology Holdings, Inc. (CELZ). They are buying because the stock is in an index, not because they've done a deep-dive, activist-style analysis.

The largest individual shareholder, and a key insider, is President and CEO Timothy Warbington, who holds 34,904.00 shares, representing 1.35% of the company. This level of insider ownership, which one source suggests is as high as 92.56% when considering all insider-related holdings, means management has significant control over the company's direction.

Here are some of the largest institutional holders and their approximate share counts as of 2025:

• Geode Capital Management, Llc: 20,876 shares
• Vanguard Group Inc: 17,629 shares
• Northern Trust Corp: 11,707 shares
• Citadel Advisors Llc: 11,145 shares

Investor Influence and Decision-Making

In a typical large-cap company, a handful of institutional investors like BlackRock or Vanguard could sway a shareholder vote or pressure management on strategy. Not here. The low institutional ownership means their influence is minimal, and they are not acting as activist investors.

The real influence rests with the insiders. When management holds a large portion of the equity, they are incentivized to make decisions that, in theory, boost long-term shareholder value, but they also face less external pressure to perform in the near-term. This high insider control is a double-edged sword for retail investors. You're riding on the conviction of the leadership team, which you can learn more about in Creative Medical Technology Holdings, Inc. (CELZ): History, Ownership, Mission, How It Works & Makes Money.

The stock is a retail-driven story, period.

Recent Notable Moves in 2025

The most significant investor-related move in 2025 was a capital raise, not a major institutional investment. In late October 2025, Creative Medical Technology Holdings, Inc. secured approximately $4.2 million in gross proceeds. This came from agreements with warrant holders for the immediate exercise of 1,116,136 shares at an exercise price of $3.75 per share.

This move is crucial because it immediately injects cash for general corporate and working capital purposes, which is vital for a clinical-stage biotech. However, it also means dilution, as the number of outstanding shares increases. Also, the company granted new warrants for up to 2,790,340 shares as part of the deal.

On the insider front, there has been some selling activity. Insider transactions in Q1 2025 showed a net selling trend. For example, Independent Director Michael Finger sold 1,500 shares at $5.38 per share in February 2025, totaling $8,062.5. This is not a massive sell-off, but it's a data point you need to track.

Here's the quick math on the recent financing:

What this estimate hides is the potential future dilution from the newly issued warrants, which could put downward pressure on the stock price later. Finance: continue monitoring the warrant exercise terms and the resulting share count by year-end.

Market Impact and Investor Sentiment

If you're looking at Creative Medical Technology Holdings, Inc. (CELZ), the first thing you notice is an investor profile that screams high-risk, high-reward. The current sentiment is defintely mixed, leaning toward cautious, which makes sense for a clinical-stage biotechnology company.

The core of the investor base is retail, holding an overwhelming 95.93% of the shares. This leaves institutional ownership, the big money that provides stability, at a very low range of 1.42% to 2.71%. That low float means the stock price is highly sensitive to news, social media trends, and small trading volumes. This is a classic biotech setup: high volatility driven by individual investors chasing clinical milestones.

• Retail investors drive 95.93% of the stock.
• Institutional stability is minimal at < 3% ownership.
• Insider sentiment is negative, with $16.1K in net selling over the last year.

Recent Market Reactions to Ownership Shifts

The market has reacted sharply to capital-raising events this year, which is typical when a company needs cash to fund its pipeline. In March 2025, the company secured approximately $3.7 million in gross proceeds from the immediate exercise of existing warrants. While this provided a cash infusion, it also meant dilution, and the stock price of $3.00/share as of early November 2025 is down 14.53% from a year prior.

The insider activity also tells a story. Over the last 12 months, insiders have been net sellers, moving about $16.1K worth of shares. When the people who know the company best are selling, even in small amounts, it's a negative signal to the market. Plus, the short interest-investors betting the price will fall-has recently increased by a significant 61.27%, pushing the technical sentiment to a general 'Bearish' outlook as of November 2025. That's a clear near-term risk. For a deeper look at the company's background, you can check out Creative Medical Technology Holdings, Inc. (CELZ): History, Ownership, Mission, How It Works & Makes Money.

Divergent Analyst Perspectives and Valuation

Analyst coverage is sparse and highly divergent, which is a key challenge for investors here. You have two extremes: the cautious and the highly optimistic. One consensus rating suggests investors should 'Reduce' their holdings, with one analyst even forecasting a potential downside of -100.00%, which is a stark warning about the risk of total loss.

But then you have the optimists. Separately, one Wall Street analyst has a 'Very Bullish' rating and a 12-month price target of $20.00 as of April 2025. This massive spread-from zero to twenty-shows the market is valuing the company on binary clinical outcomes, not steady earnings. The company's financial results underscore the risk, with Q3 2025 Earnings Per Share (EPS) at -$0.48, missing estimates. Analysts forecast an average loss of -$7,896,428 for the full 2025 fiscal year. This is a speculation play, pure and simple.

Here's the quick math on the analyst divergence:

What this estimate hides is the true nature of biotech valuation: the optimistic target is based on successful clinical trials for platforms like ImmCelz or AlloStem, while the cautious view is based on the current financial burn rate and the high probability of further dilution or failure to meet a milestone. You have to decide which outcome you are investing in.