Nope, you are very wrong. You cannot use your stem cells when you are sick, and you absolutely cannot use stem cells from your relatives, they are not a perfect cells match. That's not the same thing, and I don't know where you read this.
Do you know that in Europe there are already services for adult stem cells banking and for example many famous sports men are already banking their stem cells?
CLBE didn't get any revenues from stem cells for the simple fact that they have still not started their banking services despite what they told last year. They are one year late and they are starting stem cells banking this month.
Moreover you should also look at neostem (on the amex), which is in the same field, with just a much worse balance sheet and much more debts than clbe, but with a market cap which is 12 times bigger than CLBE just because they are putting out more prs to tease investors.