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Bimini Capital Management Inc (BMNM) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bimini Capital Management Inc stock $6.10, price $3.05, upside +100.0%, quality 68 out of 100. Rating: strongly undervalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

BC Bimini Capital Management Inc logo Some data Nov 6, 2026

Bimini Capital Management Inc

BMNM · US
Meets all rules

The stock costs 50% less than our calculation considers fair.

Fair value $6.10 · Strongly undervalued
Quality 68/100
Highly profitable · 23.6% net margin (TTM)
Ranks above peers (10/13)
Costs just 4.7 times its yearly profit.
Mixed Growth (revenue 5y +11.1 %/yr in USD)
Wide moat 78/100 · thin data
Some data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$3.67 $0.6500 Fair Value $6.10 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $0.6500 – $3.67 · fair‑value band $2.76 – $10.45 · the $3.05 price screens below the $6.10 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

Bimini Capital Management, Inc., through its subsidiaries, operates as a specialty finance company in the United States. The company operates through two segments: Asset Management and Investment Portfolio.

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The Asset Management segment includes investment advisory services by Bimini Advisors to Orchid Island Capital, Inc. and Royal Palm Capital, LLC. Its Investment Portfolio segment engages in investment activities conducted by Royal Palm Capital, LLC. It also invests in residential mortgage-backed securities.

The company was formerly known as Opteum Inc. and changed its name to Bimini Capital Management, Inc. in September 2007. Bimini Capital Management, Inc. was incorporated in 2003 and is based in Vero Beach, Florida.

Stock analysis

Bimini Capital Management Inc (BMNM) currently trades at $3.05, while our model-based Fair Value estimate is $6.10, implying the stock looks roughly 50% undervalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of $19.83 per share, and 8 of the 10 models we run sit above the $3.05 price.

Bear case: the Asset-Based group reads lowest at $0.8500, and 2 of the 10 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $2.76 (bear) to $10.45 (bull), the price of $3.05 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 68/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bimini Capital Management Inc reported revenue of $17.1M in FY2025 versus $8.0M in FY2021, a compound +20.8%/yr. Reported net income was $5.8M in FY2025, compounding +114.2%/yr from FY2021.

Key figures

Market cap $30.7M Micro · P/E ratio 4.7 · P/S ratio 1.14 · EPS (TTM) $0.6400 · Net margin 23.6% · Return on equity 53.4% · Return on assets (EBIT) 0.7% (5-year average) · Operating margin 46.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 78 out of 100 (low confidence).

What moves the price

The share trades about 17% below its 52-week high and 103% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −16% fair-value upside, at 100%, BMNM screens cheaper than that median.

Fair Value models

Bear $2.76 Fair Value $6.10 Bull $10.45
Price $3.05 · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.5488 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Growth DCF $8.71 $18.98 $39.75 73
Rev-Margin DCF $3.24 $6.67 $11.78 69
5Y P/E Exit $5.50 $12.17 $20.68 68
All 10 models by family
DCF Models
5Y P/E Exit $5.50 $12.17 $20.68 68
10Y P/E Exit $6.55 $13.73 $25.87 60
Earnings-Based
Graham-Dodd $3.95 $27.54 $38.65 63
Lynch FV $8.48 $12.11 $15.74 61
Multiples
P/E Multiple $5.66 $7.55 $9.44 63
P/B Multiple $0.7900 $1.06 $1.32 55
Asset-Based
NCAV (Graham) $0.6300 $0.8500 $1.26 54
Growth DCF
Growth DCF $8.71 $18.98 $39.75 73
Rev-Margin DCF $3.24 $6.67 $11.78 69
Economic Profit
Residual Income $3.95 $6.89 $20.85 59

Open the full fair value analysis →

Quality Score breakdown

Overall quality 68/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 49
How much profit the company makes from its sales and capital
Quality Growth 93
Are margins and returns getting better?
Cashflow 59
Do the profits arrive as real cash?
Financial strength 33
Debt, balance sheet and risk of trouble
Investment 74
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 76
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 86
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

  • BuyAshley B GriffithDirector50,000 shares at $1.55$77,500Dec 19, 2025
  • BuyG Hunter Haas IVChief Financial Officer, Director, 10% owner192,247 shares at $1.55$297,983Dec 19, 2025
  • BuyRobert E CauleyChief Executive Officer, Director, 10% owner192,248 shares at $1.55$297,984Dec 19, 2025
  • BuyRobert J DwyerDirector, 10% owner100,000 shares at $1.55$155,000Dec 19, 2025

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 76/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+30.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.1%
Start year 2020 (pandemic). Over 10 years: +10.2% a year
Revenue growth 15 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.9%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−0.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.2%
Dividend (yield on the price)0.0%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 587 stocks

Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 68 · Top 25%
Fair Value upside +100.0% · Top 25%
Profitability
Return on equity (12 months) 53.4% · Top 25%
Return on assets 4.5% · Above median
Net margin (12 months) 23.6% · Below median
Operating margin (12 months) 46.1% · Above median
Growth and dividend
Revenue growth (quarter YoY) 58.6% · Top 25%
Balance sheet
Debt / equity 2.17× · Highest 25%

Valuation Multiplesvs Asset Management median · lower = cheaper

P/E (12 months) 4.7× · Cheapest 25%
P/B 2.43× · Priciest 25%
P/S (12 months) 1.14× · Cheapest 25%
Price / free cash flow (fiscal year) 10.7× · Cheaper than median
EV/EBITDA 3.4× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 57
FUTURE (revenue growth)100 · sector 38
PAST (return on equity)100 · sector 29
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 80

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Exor N.V EXO €74.35 €139.37 +87% vs BMNM
Raymond James Financial, Inc RJF $162.81 $281.42 +73% vs BMNM
Apollo Global Management, Inc APO $116.75 $197.52 +69% vs BMNM
Ameriprise Financial, Inc AMP $501.49 $609.56 +22% vs BMNM
State Street Corporation STT $165.56 $139.37 −16% vs BMNM
Ares Management Corporation ARES $133.98 $99.35 −26% vs BMNM
Northern Trust Corporation NTRS $172.76 $123.42 −29% vs BMNM
Brookfield Asset Management Ltd BAM $52.95 $31.26 −41% vs BMNM
Blackstone Inc BX $119.50 $52.29 −56% vs BMNM
KKR & Co KKR $96.48 $27.32 −72% vs BMNM

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Bimini Capital Management Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bimini Capital Management Inc Fair Value". https://www.fairvalue-calculator.com/stock/BMNM

Frequently asked questions

Is Bimini Capital Management Inc (BMNM) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $6.10 versus a price of $3.05, about +100% upside (undervalued).
What is the fair value of BMNM?
Our model-based fair value for Bimini Capital Management Inc is $6.10 (as of Nov 6, 2026), built from audited fundamentals. The current price: $3.05.
What is the quality score of BMNM?
Bimini Capital Management Inc has a Quality Score of 68/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bimini Capital Management Inc (BMNM)?
Our model-based price target is the fair value of $6.10 (as of Nov 6, 2026) from 10 valuation models. Cautious scenario $2.76, optimistic scenario $10.45. It is a calculation from audited fundamentals, not an analyst target.
What is the Bimini Capital Management Inc stock forecast for 2026?
Our models put fair value at $6.10, about +100% upside versus a price of $3.05 (undervalued). Cautious scenario $2.76, optimistic scenario $10.45. The calculation is refreshed regularly with new filings.
What is the revenue of Bimini Capital Management Inc (BMNM)?
Bimini Capital Management Inc reported trailing-twelve-month revenue of about $27.0M (latest available figure, as of Nov 6, 2026).
What is the intrinsic value of Bimini Capital Management Inc (BMNM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bimini Capital Management Inc it is $6.10 per share (as of Nov 6, 2026), against a price of $3.05. It is the blended result of 10 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Bimini Capital Management Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, BMNM trades below its calculated fair value: price $3.05, fair value $6.10, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BMNM?
No. The price is what the market pays today ($3.05); the fair value is what the company's own numbers justify ($6.10). For Bimini Capital Management Inc the two are $3.05 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bimini Capital Management Inc worth?
The market values Bimini Capital Management Inc at about $30.7M (market capitalisation, as of Nov 6, 2026). Per share that is $3.05; our models calculate a fair value of $6.10 per share.
What do the bullish and bearish scenarios say about BMNM?
Our models span a range for Bimini Capital Management Inc: cautious scenario $2.76, base $6.10, optimistic $10.45 per share (as of Nov 6, 2026, price $3.05). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BMNM?
Bimini Capital Management Inc trades at a price-to-earnings ratio of 4.7 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $6.10 is built from several models across several years. Other multiples: P/B 2.4, P/S 1.1, EV/EBITDA 3.4.
How solid is the balance sheet of Bimini Capital Management Inc (BMNM)?
Balance-sheet figures for Bimini Capital Management Inc (as of Nov 6, 2026): return on equity 53.4%, debt of 2.17 per unit of equity. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is BMNM from its 52-week high?
Bimini Capital Management Inc trades at $3.05, about 17% below its 52-week high of $3.67 and 103% above the low of $1.50 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $6.10 is for.
Which stocks are comparable to Bimini Capital Management Inc?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Asset Management Ltd, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bimini Capital Management Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $3.05, calculated fair value $6.10 (+100%), Quality Score 68/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BMNM calculated?
We run Bimini Capital Management Inc through 10 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $6.10 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Bimini Capital Management Inc currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bimini Capital Management Inc (BMNM)?
The closing price on Nov 6, 2026 was $3.05. Our model-based fair value is $6.10, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bimini Capital Management Inc right now?
The model range is unusually wide ($2.76 to $10.45). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (68/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Bimini Capital Management Inc

How large is the market capitalisation of Bimini Capital Management Inc (BMNM)?
The market capitalisation of Bimini Capital Management Inc is $30.7M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bimini Capital Management Inc (BMNM)?
The price-to-sales ratio of Bimini Capital Management Inc is 1.14 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bimini Capital Management Inc (BMNM)?
Earnings per share at Bimini Capital Management Inc are $0.6400 (price ÷ EPS = P/E 4.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bimini Capital Management Inc (BMNM)?
The net margin of Bimini Capital Management Inc is 23.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bimini Capital Management Inc (BMNM)?
The return on equity (ROE) of Bimini Capital Management Inc is 53.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bimini Capital Management Inc (BMNM)?
On an EBIT basis the return on assets of Bimini Capital Management Inc is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bimini Capital Management Inc (BMNM)?
The operating margin of Bimini Capital Management Inc is 46.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bimini Capital Management Inc (BMNM)?
Revenue at Bimini Capital Management Inc is growing +58.6% versus a year earlier (3y avg +6.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bimini Capital Management Inc (BMNM)?
Earnings per share at Bimini Capital Management Inc are growing +776% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bimini Capital Management Inc (BMNM) generate?
The free cash flow of Bimini Capital Management Inc is $2.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bimini Capital Management Inc (BMNM) carry?
The net debt of Bimini Capital Management Inc is $14.7M (fiscal year 2025, ≈ 5.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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