Bimini Capital Management AI Stock Analysis
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Bimini Capital Management (BMNM) AI Stock Analysis
Bimini Capital Management
(Other OTC:BMNM)
The score is capped primarily by balance-sheet risk (extreme reported TTM leverage), which outweighs the improving profitability and solid TTM cash generation. Valuation is a positive (low P/E), while technicals and the latest earnings call are mixed—showing strategic progress via TJIM but meaningful exposure to difficult fixed-income conditions, rising funding-cost risk, and an approaching NOL tax headwind.
Bimini Capital Management (BMNM) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $28.57M
- Dividend Yield
- ―
- Average Volume (3M)
- 5,201
- Price to Earnings (P/E)
- 5.1
- Beta (1Y)
- 0.41
- Revenue Growth
- 19.37%
- EPS Growth
- 509.53%
- Country
- US
- Employees
- 10
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Asset Management
Bimini Capital Management Business Overview & Revenue Model
Company Description
Bimini Capital Management, Inc. operates as an asset management company within the United States, conducting its business through various subsidiaries. Its operations are divided into two primary segments: Asset Management and Investment Portfolio. T...
How the Company Makes Money
Public information does not provide a clear, current breakdown of BMNM’s revenue model and recurring revenue streams. Historically (based on legacy descriptions of the business), companies of this type may generate earnings from: (1) net interest inc...
Bimini Capital Management Earnings Call Summary
The call presented a mixed but constructive outlook. Bimini reported substantial year-to-date revenue growth, a profitable and cash-flow-positive business, strong relative equity performance at TJIM, and strategic diversification through the TJIM acquisition. However, these positives were offset by severe RMBS and fixed-income market conditions, Orchid's negative 12.5% quarterly economic return, lower management fees and portfolio net revenue, expiring NOL benefits, and potential increases in funding costs. Highlights and lowlights were relatively balanced.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Bimini said its goal is to enhance the consistency of earnings “in the near term, but also beyond” by diversifying assets under management away from the sole focus on the Agency RMBS market, and it hopes to help TJIM grow its AUM “over time”; by the end of 2028, all but approximately $5.5 million of the former mortgage company’s NOLs will have been used or expired, dropping to approximately $1 million by the end of 2029, while additional NOLs do not expire until 2036, after which Bimini will become a taxpaying entity once available NOLs are utilized or expire; given the possibility of increasing funding costs should the Federal Reserve continue to raise the Fed funds rate “in the near term,” the company is considering paying down its trust preferred debt with available cash, which matures at the end of 2035.
Bimini Capital Management Financial Statement Overview
Summary
Income and cash flow show a meaningful recovery (TTM net margin ~24.6%, revenue up ~7.5%, and ~$7M TTM operating/free cash flow with ~1:1 FCF-to-net income). However, the balance sheet is a major risk factor: reported TTM leverage is extraordinarily high (debt-to-equity ~1,612x), which materially increases sensitivity to funding costs, asset values, and liquidity conditions.
Income Statement
72PositiveBalance Sheet
18Very NegativeCash Flow
64Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.08B | 23.48M | 20.61M | 16.06M | 15.36M | 14.27M |
| Gross Profit | 6.91B | 21.64M | 17.06M | 10.64M | 15.21M | 14.14M |
| EBITDA | 9.69M | 11.38M | 9.43M | 5.64M | -5.76M | 1.09M |
| Net Income | 5.58M | 5.80M | -1.31M | -3.98M | -19.82M | 275.41K |
Balance Sheet | ||||||
| Total Assets | 64.61B | 129.69M | 154.85M | 125.60M | 86.32M | 122.08M |
| Cash, Cash Equivalents and Short-Term Investments | 8.72B | 14.32B | 5.67M | 3.72M | 6.01M | 8.42M |
| Total Debt | 27.33B | 112.67M | 144.55M | 114.30M | 71.23M | 86.32M |
| Total Liabilities | 46.73M | 117.07M | 148.03M | 117.47M | 74.19M | 89.08M |
| Stockholders Equity | 14.57B | 12.62M | 6.82M | 8.13M | 12.12M | 33.00M |
Cash Flow | ||||||
| Free Cash Flow | 4.87M | 2.88M | 3.19M | 1.70M | 5.43M | 5.53M |
| Operating Cash Flow | 4.87M | 2.88M | 3.19M | 1.70M | 5.48M | 5.53M |
| Investing Cash Flow | 75.75M | 35.89M | -30.49M | -47.06M | 7.62M | 1.35M |
| Financing Cash Flow | -84.98M | -31.88M | 30.25M | 43.05M | -16.14M | -7.98M |
Bimini Capital Management Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BMNM, the sentiment is Positive. The current price of 2.90 is above the 20-day moving average (MA) of 2.86, below the 50-day MA of 3.06, and above the 200-day MA of 2.88, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 49.33 is Neutral, neither overbought nor oversold. The STOCH value of 25.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BMNM.
Bimini Capital Management Risk Analysis
Bimini Capital Management disclosed 56 risk factors in its most recent earnings report. Bimini Capital Management reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksBimini Capital Management Peers Comparison
Overall Rating
LOAN74Outperform- BMNM59Neutral
CHMI54Neutral
SACH50Neutral
LFT41Neutral
GPMT39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| LOAN | 74Outperform | $38.24M | 8.01 | 11.14% | 13.28% | -9.48% | -9.46% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BMNM | 59Neutral | $28.75M | 5.11 | 0.15% | ― | 19.37% | 509.53% |
| CHMI | 54Neutral | $83.87M | 175.59 | 4.63% | 17.94% | 0.45% | 14.51% |
| SACH | 50Neutral | $39.08M | -3.01 | -4.70% | 15.19% | 69.76% | 71.12% |
| LFT | 41Neutral | $23.18M | -1.22 | -6.31% | 36.95% | -22.88% | -293.89% |
| GPMT | 39Underperform | $13.74M | -0.09 | -28.30% | 58.00% | -30.05% | -123.68% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BMNM | Bimini Capital | 2.90 | 1.15 | 65.43% | |
| LOAN | Manhattan Bridge Capital | 3.35 | -1.08 | -24.41% | |
| LFT | Lument Finance Trust, Inc. | 4.33 | -9.14 | -67.84% | |
| CHMI | Cherry Hill Mortgage Investment | 2.23 | 0.23 | 11.61% | |
| SACH | Sachem Capital Corp. | 0.79 | -0.15 | -15.87% | |
| GPMT | Granite Point Mortgage Trust | 2.76 | -21.81 | -88.77% |
Bimini Capital Management Corporate Events
Bimini Capital Adds TJIM Leader to Board of Directors
PositiveOn September 14, 2026, Bimini Capital Management appointed Richard H. Parry, President and Chief Investment Officer of its 80%-owned subsidiary Tom Johnson Investment Management, LLC, as a Class II director with a term running until the 2029 annual m...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 06, 2026