📊 BMNM Key Takeaways
Investment Thesis
Bimini Capital demonstrates strong profitability with exceptional net margin of 24.5% and impressive 46% ROE, supported by 43% YoY revenue growth. However, significant financial stress is evident through weak interest coverage of 0.7x, elevated leverage at 2.17x debt-to-equity, and concerning negative operating cash flow relative to net income suggests potential accounting quality issues.
BMNM Strengths
- Exceptional net profit margin of 24.5% indicates strong pricing power and cost control
- Robust 46% ROE demonstrates efficient capital deployment despite leverage
- Strong revenue growth of 43% YoY indicates expanding business operations
- Substantial net income swing (+544% YoY) shows improving operational performance
- Positive free cash flow of 2.9M demonstrates underlying business cash generation
BMNM Risks
- Critical interest coverage ratio of 0.7x suggests difficulty servicing debt obligations and potential distress
- High leverage at 2.17x debt-to-equity with 27.3M long-term debt against only 12.6M equity raises solvency concerns
- Significant discrepancy between 5.8M net income and 2.9M operating cash flow raises earnings quality concerns
- OTC exchange listing indicates lower liquidity and regulatory oversight compared to major exchanges
- Limited cash position of 12.7M relative to 27.3M long-term debt constrains financial flexibility
Key Metrics to Watch
- Interest coverage ratio trend - critical threshold for financial stability
- Operating cash flow versus net income reconciliation - assess sustainability of earnings
- Debt-to-equity trajectory - monitor deleveraging progress or deterioration
- Quarterly revenue and net income trends - validate 43% growth sustainability
- Cash position and debt maturity schedule - evaluate refinancing risk
BMNM Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BMNM Profitability Ratios
BMNM vs Default Sector
How BIMINI CAPITAL MANAGEMENT, INC. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BMNM Balance Sheet & Liquidity
BMNM 5-Year Financial Trend
5-Year Trend Summary: BIMINI CAPITAL MANAGEMENT, INC.'s revenue has grown significantly by 69% over the 5-year period, indicating strong business expansion.
BMNM Growth Metrics (YoY)
BMNM Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $3.3M | $42.7K | N/A |
| Q2 2025 | $3.2M | $42.7K | N/A |
| Q1 2025 | $2.9M | $213.1K | N/A |
| Q3 2024 | $3.3M | $195.5K | N/A |
| Q2 2024 | $3.2M | -$60.7K | N/A |
| Q1 2024 | $2.9M | $213.1K | N/A |
| Q3 2023 | $3.3M | $285.5K | N/A |
| Q2 2023 | $3.3M | $285.5K | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
BMNM Capital Allocation
BMNM SEC Filings
Access official SEC EDGAR filings for BIMINI CAPITAL MANAGEMENT, INC. (CIK: 0001275477)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BMNM
What is the AI rating for BMNM?
BIMINI CAPITAL MANAGEMENT, INC. (BMNM) has an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BMNM's key strengths?
Exceptional net profit margin of 24.5% indicates strong pricing power and cost control. Robust 46% ROE demonstrates efficient capital deployment despite leverage.
What are the risks of investing in BMNM?
Critical interest coverage ratio of 0.7x suggests difficulty servicing debt obligations and potential distress. High leverage at 2.17x debt-to-equity with 27.3M long-term debt against only 12.6M equity raises solvency concerns.
What is BMNM's revenue and growth?
BIMINI CAPITAL MANAGEMENT, INC. reported revenue of $23.7M.
Does BMNM pay dividends?
BIMINI CAPITAL MANAGEMENT, INC. does not currently pay dividends.
Where can I find BMNM SEC filings?
Official SEC filings for BIMINI CAPITAL MANAGEMENT, INC. (CIK: 0001275477) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BMNM's EPS?
BIMINI CAPITAL MANAGEMENT, INC. has a diluted EPS of $0.00.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.