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BIMINI CAPITAL MANAGEMENT, INC.

BMNM

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17 Visible periods

24 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Moderately Bullish

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Analytical Summary

BIMINI CAPITAL MANAGEMENT, INC. demonstrates solid fundamentals with strength in Return on Common Equity (%). However, watch Debt to Equity which shows concerning trends. Overall, the data suggests a moderately positive outlook with manageable risks.

Market Cap —

Dividend Yield —

Revenue Growth 21.9% ↗

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity 2.17

info Valuation on last close.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$23.70M

↑ +21.9% —

Net Income Profit after all expenses

$5.80M

↑ +544.1% —

Long-Term Debt Long-term obligations

$27.35M

— -0.1% —

trending_up

Bullish Indicators

Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↑

Financial view

Statement lens

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Cadence

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	21.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+338%)	8.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+69%)	11.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+120%)	15.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+199%)	14.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+182%)	-24.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-583%)	-8.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-272%)	11.0% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+119%)	32.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+552%)	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	N/M	67.2% Excellent Excellent Year-over-year change in net income	79.9% Excellent Excellent Year-over-year change in net income	N/M	N/M	N/M	N/M	-62.5% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-94.3% Weak ↓ Weak Declining Year-over-year change in net income	664.8% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-14.8% Weak ↓ Weak Declining Year-over-year change in net income	22.6% Good Good Year-over-year change in net income	-50.1% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	13.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	-0.2% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-7.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-8.4% Weak Weak Compound annual revenue growth over 3 years	10.4% Good Good Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	14.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.2% Weak Weak Compound annual revenue growth over 5 years	3.1% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Effective Tax Rate (%) (%)	-29.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	172.2% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2803.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-148.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	398.0% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	24.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-6.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-127%)	-22.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-189%)	-122.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-591%)	2.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-92%)	-44.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-278%)	81.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+228%)	-150.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-703%)	-103.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-512%)	28.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	—	—	—	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	—	—	—	—	—	—	—	—	—	—	33.5% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	5.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	-1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	46.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+474%)	-19.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-339%)	-49.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-713%)	-163.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-2144%)	0.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	-15.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-299%)	33.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+316%)	-92.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1256%)	-29.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-470%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	86.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+980%)	84.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+952%)	-133.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1770%)	-57.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-821%)	-48.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-711%)	-20.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-361%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	2.17x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+117%)	4.01x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+301%)	3.37x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+237%)	2.26x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+126%)	0.83x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-17%)	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD)	$14.65M	$21.70M	$23.68M	$21.41M	$19.02M	$-7.56M	$-8.07M	$-4.95M	$-6.10M	$-4.43M	$-6.31M	$-4.70M	$-11.96M	$-6.59M	$-4.30M	$-2.83M	$-6.47M
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
LT Debt (USD)	$27.35M	$27.37M	$27.39M	$27.42M	$27.44M	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$12.62M	$6.82M	$8.13M	$12.12M	$33.00M	$34.49M	$39.98M	$28.95M	$55.69M	$72.15M	$68.54M	$9.20M	$1.74M	$3.52M	$5.37M	$8.37M	$-5.16M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$23.70M	$19.44M	$17.93M	$16.15M	$14.05M	$12.31M	$16.24M	$17.76M	$16.00M	$12.07M	—	—	—	—	—	—	—
Depreciation Expense (USD)	$76.15K	$75.81K	$76.49K	$73.05K	$69.25K	$69.54K	$73.06K	$76.64K	$77.11K	$85.57K	$91.99K	$102.80K	$121.82K	$119.67K	$119.19K	$206.93K	—
Net Income, GAAP (USD)	$5.80M	$-1.31M	$-3.98M	$-19.82M	$275.41K	$-5.49M	$13.30M	$-26.78M	$-16.48M	$3.39M	$59.23M	$7.74M	$-2.33M	$-2.03M	$-2.62M	$-1.75M	—
Operating Cash Flow (USD)	$2.88M	$3.19M	$1.70M	$5.48M	$5.53M	$1.30M	$3.74K	—	—	—	$595.82K	$9.87M	$4.01M	$-3.23M	$-3.58M	$-799.85K	—

🏛️ Sector-Specific 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
FFO (approx.) (USD)	$5.88M	$-1.23M	$-3.91M	$-19.75M	$344.66K	$-5.42M	$13.37M	$-26.70M	$-16.41M	$3.47M	$59.32M	$7.85M	$-2.21M	$-1.91M	$-2.50M	$-1.54M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 66 quarters

BIMINI CAPITAL MANAGEMENT, INC.

Analytical Summary

17-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

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