Bank of Marin Bancorp BMRC R2K

Financial Services · Banks - Regional · United States

https://www.bankofmarin.com

Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry, and insured cash sweep services. It also provides commercial real estate, commercial and industrial, small business, and consumer loans, as well as construction financing and home equity lines of credit. In addition, the company offers merchant and payroll services; commercial equipment leasing program; payment solutions; treasury management services; credit cards; automated teller machines; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, it provides wealth management and trust services comprising customized investment portfolio management, trust administration, estate settlement, and custody services; international banking; and telephone and digital banking services. The company was founded in 1989 and is headquartered in Novato, California.

Market & Price

Market Cap

$418.34M

Current Price

$25.84

High / Low (52W)

$27.43 / $20.49

Beta

0.81

Valuation

Stock P/E

Industry PE

12.01

Forward P/E

10.79

PEG Ratio

2.56

Book Value

$24.67

Price to Book

1.05

P/S

11.84

EV/EBITDA

Dividend Yield

3.87%

Profitability & Returns

ROCE

ROE

-7.68%

ROA

-0.83%

Profit Margin

-90.72%

Op Margin

37.09%

EPS (Latest Qtr)

$0.53

EPS (TTM)

$-2.02

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$69.13M

Total Assets

$3.90B

Current Assets

Working Capital

Ownership

Promoter Holding

9.56%

Chg in Prom Hold

FII / Inst Holding

67.08%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$245.48M

Total Revenue (TTM)

$35.32M

EBITDA

Free Cash Flow

Operating Cash Flow

$35.23M

Shares Outstanding

16.19M

Gross Margin

0.00%

Payout Ratio

161.29%

Growth (CAGR)

Revenue 5Y

-40.63%

Profit 5Y

-58.86%

Revenue (YoY)

25.30%

Earnings (YoY)

76.70%

PROS

Attractive dividend yield of 3.87%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -40.6% CAGR over 5 years.
Earnings shrank at -58.9% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	BMRC Bank of Marin Bancorp R2K	25.84	-	$418.34M	3.87%	-	-7.68%	-40.63%	-58.86%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	26.89M	9.24M	29.78M	-36.99M	33.99M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.11M	10.38M	10.88M	14.85M	12.49M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.48M	-11.20M	9.61M	-57.38M	11.60M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.60M	-2.66M	2.08M	-17.83M	3.09M
Net Income	5.38M	4.46M	4.29M	4.77M	5.65M	4.84M	6.96M	4.55M	5.19M	5.13M	6.39M	7.89M	8.68M	7.48M	8.23M	9.45M	7.23M	7.41M	7.49M	8.95M	9.29M	5.28M	9.71M	10.46M	11.07M	12.17M	12.88M	9.44M	4.55M	5.29M	610.00K	2.92M	-21.90M	4.57M	-	4.88M	-8.54M	7.53M	-39.54M	8.51M
Diluted EPS	0.89	0.74	0.71	0.79	0.93	0.79	1.14	0.74	0.84	0.83	0.46	0.56	0.62	0.54	0.60	0.69	0.53	0.55	0.55	0.66	0.71	0.35	0.61	0.66	0.69	0.76	0.81	0.59	0.28	0.33	0.04	0.18	-1.36	0.28	0.38	0.30	-0.53	0.47	-	0.53

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	138.14M	104.97M	69.77M	28.91M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	2.55M	39.14M	49.69M	46.39M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	63.51M	26.04M	-13.84M	-52.48M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	16.92M	6.14M	-5.43M	-16.81M
Net Income	12.77M	13.55M	15.56M	17.82M	14.27M	19.77M	18.44M	23.13M	15.98M	32.62M	34.24M	30.24M	-	46.59M	19.89M	-8.41M	-35.67M
Diluted EPS	2.19	2.55	2.89	3.28	2.57	3.29	3.04	3.78	1.27	2.33	2.48	2.22	-	2.92	1.24	-0.52	-2.24

Compounded Sales Growth

5 Years:	-40.63%
1 Year:	25.30%

Compounded Profit Growth

5 Years:	-58.86%
1 Year:	76.70%

Stock Price Performance

1 Year:	+26.14%
6 Months:	-2.56%
3 Months:	+4.82%
1 Month:	+2.23%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.21B	1.39B	1.43B	1.81B	1.79B	2.03B	2.02B	2.47B	2.52B	2.71B	2.91B	-	4.15B	3.80B	3.70B	3.90B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	45.42M	30.45M	137.30M	225.30M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	51.36M	79.83M	-	-	-
Total Liabilities	-	-	1.09B	1.26B	1.28B	1.62B	1.59B	1.82B	1.79B	2.17B	2.20B	2.37B	2.55B	-	3.74B	3.36B	3.27B	3.51B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	112.00M	26.00M	-	43.86M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	139.08M	49.20M	21.66M	69.31M
Total Equity	125.55M	109.05M	121.92M	135.55M	151.79M	180.89M	200.03M	214.47M	230.56M	297.02M	316.41M	336.79M	358.25M	-	412.09M	439.06M	435.41M	394.65M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.03M	16.16M	16.09M	16.10M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	13.83M	23.43M	22.38M	20.81M	21.20M	18.86M	23.68M	25.45M	26.95M	42.11M	40.93M	40.84M	-	55.28M	35.66M	28.36M	39.08M
Investing Cash Flow	-59.71M	-46.34M	-34.94M	-144.87M	-36.95M	-42.65M	-263.28M	24.32M	7.81M	-225.30M	-20.75M	-173.44M	-	-218.10M	334.69M	195.17M	-171.99M
Financing Cash Flow	59.61M	69.49M	57.07M	22.66M	91.17M	-38.61M	224.57M	-27.30M	119.98M	13.87M	128.99M	149.53M	-	-139.40M	-385.32M	-116.69M	220.91M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-981.00K	-	-2.27M	-1.75M	-520.00K	-1.82M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	39.86M	-	53.01M	33.91M	27.84M	37.26M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-302.22M	-14.97M	106.85M	88.00M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	33.7%	19.0%	-12.1%	-123.4%
ROE %	11.7%	11.1%	11.5%	11.7%	7.9%	9.9%	8.6%	10.0%	5.4%	10.3%	10.2%	8.4%	-	11.3%	4.5%	-1.9%	-9.0%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

9.56%

Institutions

67.08%

Public Float

74.17%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.66%	1.40M	$36.22M
2	Dimensional Fund Advisors LP	4.96%	802.87K	$20.75M
3	Vanguard Capital Management LLC	3.97%	642.67K	$16.61M
4	Wellington Management Group, LLP	3.90%	632.00K	$16.33M
5	Alliancebernstein L.P.	3.85%	623.05K	$16.10M
6	Holdco Asset Management, LP	3.12%	504.41K	$13.03M
7	Manufacturers Life Insurance Co.	2.83%	458.81K	$11.86M
8	Geode Capital Management, LLC	2.41%	390.30K	$10.09M
9	Ameriprise Financial, Inc.	2.32%	374.88K	$9.69M
10	State Street Corporation	2.10%	340.00K	$8.79M

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BMRC · Financial Services