The earnings call presented a mixed outlook. While there were significant improvements in net interest margin, net income, and book value, the bank faced a net loss due to securities sales and experienced a decline in deposits. The capital ratios remain strong, and there is optimism for loan growth in the second half of the year.

Company Guidance -

Q3 2025

In the Bank of Marin Bancorp's second-quarter 2025 earnings call, key metrics highlighted included a 15% increase in pretax pre-provision net income compared to the previous quarter and an 85% increase compared to the prior year-to-date. The net interest margin expanded, contributing to improved financial performance and growth in both book value and tangible book value per share. The quarter saw $68.8 million in loan originations with $50.2 million in fundings, and while total deposits declined due to seasonal factors, over 70% of the deposit outflows were recouped in July. The bank's total risk-based capital ratio stood at 16.25%, and the tangible common equity (TCE) ratio was 9.95%. The bank completed securities repositioning expected to yield a 13 basis point lift in net interest margin and $0.20 annual earnings per share lift, primarily impacting the third quarter. In addition, Bank of Marin repurchased $2.2 million of shares and declared a $0.25 per share cash dividend, marking the 81st consecutive quarterly dividend.

Increase in Net Interest Margin and Income

The bank saw a 15% increase in pretax pre-provision net income compared to the prior quarter and an 85% increase compared to the prior year-to-date. The net interest margin expanded by 7 basis points, driven by a decrease in deposit costs and an increase in the average yield on interest-earning assets.

Book Value and Tangible Book Value Growth

The financial performance improvements resulted in increases in both the book value and tangible book value per share growth in Q2.

Securities Repositioning Benefits

A securities repositioning in early July is expected to provide a 13 basis points lift in net interest margin and $0.20 of annual earnings per share lift, with most benefits beginning in Q3.

Strong Capital Ratios

Bank of Marin maintained strong capital ratios with a total risk-based capital ratio of 16.25% and a TCE ratio of 9.95%.

Dividend Declaration

The Board declared a cash dividend of $0.25 per share, marking the 81st consecutive quarterly dividend paid by the company.

Bank Of Marin Bancorp (BMRC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

BMRC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.41 / -	0.28	―	―	―
Jul 28, 2025	2025 (Q2)	-0.53 / -0.53	-1.36	61.03% (+0.83)
Apr 28, 2025	2025 (Q1)	0.32 / 0.30	0.18	66.67% (+0.12)
Jan 27, 2025	2024 (Q4)	0.32 / 0.38	0.04	850.00% (+0.34)
Oct 28, 2024	2024 (Q3)	0.27 / 0.28	0.33	-15.15% (-0.05)
Jul 29, 2024	2024 (Q2)	0.16 / -1.36	0.28	-585.71% (-1.64)
Apr 29, 2024	2024 (Q1)	0.26 / 0.18	0.59	-69.49% (-0.41)
Jan 29, 2024	2023 (Q4)	0.32 / 0.04	0.81	-95.06% (-0.77)
Oct 23, 2023	2023 (Q3)	0.32 / 0.33	0.76	-56.58% (-0.43)
Jul 24, 2023	2023 (Q2)	0.43 / 0.28	0.69	-59.42% (-0.41)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BMRC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$23.51	$23.38	-0.55%
Apr 28, 2025	$20.34	$20.49	+0.74%
Jan 27, 2025	$23.21	$24.52	+5.64%
Oct 28, 2024	$20.89	$21.78	+4.26%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Bank Of Marin (BMRC) report earnings?

Bank Of Marin (BMRC) is schdueled to report earning on Oct 27, 2025, Before Open (Confirmed).

What is Bank Of Marin (BMRC) earnings time?

Bank Of Marin (BMRC) earnings time is at Oct 27, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BMRC EPS forecast?

BMRC EPS forecast for the fiscal quarter 2025 (Q3) is 0.41.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing