Bank Of Marin Bancorp (BMRC) AI Stock Analysis

• Market Cap: $417.73M
• Dividend Yield: 3.88%
• Average Volume (3M): 124.87K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.93
• Revenue Growth: -15.92%
• EPS Growth: -147.11%
• Country: US
• Employees: 291
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.30
• Shares Outstanding: 16,216,068
• 10 Day Avg. Volume: 106,988
• 30 Day Avg. Volume: 124,868
• PEG Ratio: -2.50
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 14.50
• Enterprise Value/Market Cap: 0.40
• Enterprise Value/Revenue: 0.38
• Enterprise Value/Gross Profit: 2.52
• Enterprise Value/Ebitda: -2.76
• 1Y Price Target: $25.50
• Price Target Upside: 0.67% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 66 Neutral
• Price Target: $27.00 ▲(6.59%Upside)

Bank Of Marin Bancorp's stock score is driven by strong earnings call results and positive technical indicators. However, financial performance concerns and valuation challenges weigh on the overall score.

Positive Factors

Credit Risk Improvement

Credit issues that have hurt the stock recently seem to be getting better, and the bank's credit risks have incrementally eased.

Earnings Outlook

The Fed pivot has led to a better earnings outlook for Bank of Marin, making its shares appear compelling as they trade at a 30% discount to peers and a major discount to its own historical multiple.

Negative Factors

Credit Quality Concerns

Interest rate relief should mitigate office CRE pressures to a degree and reduce overall investor concern over the broader credit quality environment.

Office CRE Exposure

BMRC's sizeable office CRE exposure has been an area of concern, but the guaranteed loan remains current with pledged cash to cover payments through a 2026 maturity.

Bank Of Marin Bancorp Business Overview & Revenue Model

Company Description

Bank of Marin Bancorp (BMRC) is a regional bank holding company headquartered in Novato, California. It primarily operates through its wholly owned subsidiary, Bank of Marin, which provides a comprehensive range of financial services to individuals, businesses, and non-profit organizations. The bank offers traditional deposit products, commercial and retail lending, and cash management services, with a strong focus on personalized customer service and community involvement.

How the Company Makes Money

Bank of Marin Bancorp makes money primarily through interest income from its lending activities, including commercial loans, residential mortgages, and consumer loans. The bank also earns revenue from fees and service charges associated with deposit accounts, such as checking and savings accounts, and from treasury management services. Additionally, the bank may generate income from investment securities and other financial products. Key factors contributing to its earnings include maintaining strong customer relationships, effective risk management, and strategic market positioning in its regional focus areas.

Bank Of Marin Bancorp Financial Statement Overview

Summary

Bank Of Marin Bancorp shows moderate financial health with positive cash flows but faces challenges with declining profitability and equity. The company needs to improve operational efficiencies and bolster its equity position.

Income Statement

The company has seen a decline in revenue growth and profitability. TTM data reveals a negative net income and EBIT, with a significant drop in total revenue compared to the previous year. Gross profit margin is positive, but net profit margin is negative, indicating inefficiency in cost management or other financial pressures. The revenue growth rate has been inconsistent, and negative EBIT margin further highlights operational challenges.

Balance Sheet

The balance sheet shows a stable equity ratio, although the debt-to-equity ratio is low due to relatively low debt levels. However, the significant decrease in stockholders' equity in the TTM period raises concerns about the company's ability to maintain financial stability. Strong cash reserves provide some cushion, but the declining equity could pose long-term risks.

Cash Flow

The cash flow statement indicates positive operating cash flow and free cash flow, which is a positive sign for liquidity management. The free cash flow to net income ratio is strong, suggesting that the company effectively converts its net income into cash. However, the free cash flow growth rate is inconsistent, which could impact future investments and operations.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	116.39M	141.70M	140.69M	118.46M	108.19M
Gross Profit	64.46M	102.73M	138.52M	117.50M	99.05M
EBITDA	-11.39M	29.48M	66.84M	47.76M	43.59M
Net Income	-8.41M	19.89M	46.59M	33.23M	30.24M
Balance Sheet
Total Assets	3.70B	3.80B	4.15B	4.31B	2.91B
Cash, Cash Equivalents and Short-Term Investments	273.04M	30.55M	46.66M	1.52B	592.67M
Total Debt	21.66M	75.20M	251.08M	25.85M	29.90M
Total Liabilities	3.27B	3.36B	3.74B	3.86B	2.55B
Stockholders Equity	435.41M	439.06M	412.09M	450.37M	358.25M
Cash Flow
Free Cash Flow	27.84M	33.91M	53.01M	44.21M	39.86M
Operating Cash Flow	28.36M	35.66M	55.28M	45.25M	40.84M
Investing Cash Flow	195.17M	334.69M	-218.10M	-340.67M	-173.44M
Financing Cash Flow	-116.69M	-385.32M	-139.40M	442.73M	149.53M

Bank Of Marin Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 25.33
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BMRC, the sentiment is Positive. The current price of 25.33 is above the 20-day moving average (MA) of 23.74, above the 50-day MA of 22.40, and above the 200-day MA of 22.59, indicating a bullish trend. The MACD of 1.03 indicates Negative momentum. The RSI at 63.22 is Neutral, neither overbought nor oversold. The STOCH value of 73.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BMRC.

Bank Of Marin Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FRBA	79 Outperform	$397.63M	10.23	9.81%	1.50%	18.63%	37.17%
RRBI	78 Outperform	$428.13M	12.05	11.51%	0.75%	10.47%	13.63%
BSVN	75 Outperform	$425.59M	9.55	22.26%	2.07%	1.20%	46.86%
CARE	72 Outperform	$416.63M	15.31	7.20%	―	13.73%	111.06%
Sector *	67 Neutral	$16.86B	11.82	9.77%	3.72%	12.02%	-8.27%
BMRC	66 Neutral	$417.73M	―	-1.47%	3.88%	-15.92%	-147.11%
MSBI	58 Neutral	$408.79M	13.98	5.03%	6.53%	14.75%	-48.47%

Bank Of Marin Bancorp Corporate Events

Bank of Marin Bancorp Q2 2025 Earnings Call Announcement

Bank of Marin Bancorp announced that its President and CEO Tim Myers, along with CFO Dave Bonaccorso, will discuss the company’s financial results for the second quarter of 2025 in an earnings call on July 28, 2025. The results will be released prior to the call, and the webcast will be accessible to investors through the company’s website, with a replay available shortly after. This announcement is significant for stakeholders as it provides insights into the company’s financial performance and strategic direction.

The most recent analyst rating on (BMRC) stock is a Buy with a $24.00 price target. To see the full list of analyst forecasts on Bank Of Marin Bancorp stock, see the BMRC Stock Forecast page.

Bank Of Marin Bancorp Sells $186M Securities for Repositioning

On July 1, 2025, Bank of Marin announced the sale of $186 million in available-for-sale securities as part of a strategic balance sheet repositioning. This move, aimed at enhancing future earnings and increasing return on equity, resulted in an estimated pre-tax loss of $19 million to be recorded in the second quarter of 2025. The proceeds from the sale were reinvested at a higher yield, expected to improve the bank’s net interest margin and earnings per share over the next year, positioning the bank for long-term growth.

The most recent analyst rating on (BMRC) stock is a Buy with a $24.00 price target. To see the full list of analyst forecasts on Bank Of Marin Bancorp stock, see the BMRC Stock Forecast page.

Bank Of Marin Bancorp Holds Annual Shareholder Meeting

At the Annual Meeting of Shareholders on May 21, 2025, Bank Of Marin Bancorp held votes on several key matters. Shareholders elected ten board members, approved executive compensation, and ratified the selection of Moss Adams LLP as the independent auditor for 2025, indicating continued confidence in the company’s leadership and financial oversight.

The most recent analyst rating on (BMRC) stock is a Buy with a $24.00 price target. To see the full list of analyst forecasts on Bank Of Marin Bancorp stock, see the BMRC Stock Forecast page.