Bank Of Marin Bancorp (BMRC) AI Stock Analysis

• Market Cap: $423.77M
• Dividend Yield: 3.9%
• Average Volume (3M): 70.32K
• Price to Earnings (P/E): 42.0
• Beta (1Y): 0.92
• Revenue Growth: 23.93%
• EPS Growth: N/A
• Country: US
• Employees: 291
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.47
• Shares Outstanding: 16,125,301
• 10 Day Avg. Volume: 70,168
• 30 Day Avg. Volume: 70,318
• PEG Ratio: 0.32
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 3.28
• P/FCF Ratio: 13.69
• Enterprise Value/Market Cap: 0.37
• Enterprise Value/Revenue: 1.17
• Enterprise Value/Gross Profit: 2.49
• Enterprise Value/Ebitda: 5.74
• 1Y Price Target: $29.50
• Price Target Upside: 13.86% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 70 Neutral
• Price Target: $27.00 ▲(4.21% Upside)

Bank Of Marin Bancorp's strong financial performance and positive earnings call sentiment are the primary drivers of its stock score. While the technical indicators suggest a neutral trend, the high P/E ratio raises valuation concerns. The company's consistent dividend payments and robust capital ratios further support its stability.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, contributing to long-term financial stability.

Strong Capital Ratios

Robust capital ratios enhance the bank's ability to absorb losses and support growth, ensuring financial resilience and regulatory compliance.

Loan and Deposit Growth

Strong loan and deposit growth reflects increased customer trust and market penetration, supporting sustainable revenue and profitability.

Negative Factors

Low Net Profit Margin

A low net profit margin indicates challenges in cost management or pricing power, potentially impacting long-term profitability.

Noninterest Income Decline

A decline in noninterest income can reduce revenue diversification, increasing reliance on interest income and potentially affecting stability.

Slight Increase in Deposit Costs

Rising deposit costs may pressure net interest margins, affecting profitability if not offset by higher asset yields or cost efficiencies.

Bank Of Marin Bancorp Business Overview & Revenue Model

Company Description

Bank of Marin Bancorp (BMRC) is a bank holding company based in Marin County, California, primarily engaged in providing a wide range of banking services through its wholly-owned subsidiary, Bank of Marin. The bank serves individuals, businesses, and non-profit organizations, offering products such as personal and business loans, deposit accounts, and wealth management services. With a focus on community banking, BMRC operates multiple branches in the San Francisco Bay Area, emphasizing personalized customer service and local economic support.

How the Company Makes Money

Bank of Marin Bancorp generates revenue primarily through the interest income earned on its loan portfolio, which includes commercial, residential, and consumer loans. The interest on these loans is a significant source of earnings, complemented by fees associated with loan origination and servicing. Additionally, BMRC earns non-interest income from various sources, including service fees on deposit accounts, wealth management services, and transaction fees. The bank also manages investment securities, contributing to its income through interest and market gains. Strategic partnerships with local businesses and community organizations enhance its customer base, while its focus on local lending helps maintain a stable deposit base and fosters long-term relationships that contribute to steady revenue streams.

Bank Of Marin Bancorp Financial Statement Overview

Summary

Bank Of Marin Bancorp exhibits solid financial performance with strong revenue growth and efficient cash flow management. The company maintains a stable balance sheet with low leverage, although profitability metrics like net profit margin and return on equity suggest potential areas for improvement.

Income Statement

The income statement shows a positive trajectory with a notable revenue growth rate of 13.58% in the TTM period, recovering from a decline in the previous year. Gross profit margin is strong at 67.18%, indicating efficient cost management. However, the net profit margin is relatively low at 5.18%, suggesting room for improvement in profitability. The EBIT and EBITDA margins have improved significantly from negative values in the previous year, reflecting better operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.047, indicating conservative leverage. The return on equity is modest at 1.58%, suggesting limited profitability relative to shareholder equity. The equity ratio is healthy, showing a strong equity base relative to total assets, which enhances financial stability.

Cash Flow

Cash flow analysis reveals a robust free cash flow growth rate of 13.12% in the TTM period, highlighting strong cash generation capabilities. The operating cash flow to net income ratio is favorable at 1.62, indicating efficient conversion of earnings into cash. The free cash flow to net income ratio is high at 0.95, demonstrating effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	134.25M	116.39M	141.70M	140.69M	118.46M	108.19M
Gross Profit	63.20M	64.46M	102.73M	138.52M	117.50M	99.05M
EBITDA	27.37M	-11.39M	29.48M	66.84M	47.76M	43.59M
Net Income	9.87M	-8.41M	19.89M	46.59M	33.23M	30.24M
Balance Sheet
Total Assets	3.87B	3.70B	3.80B	4.15B	4.31B	2.91B
Cash, Cash Equivalents and Short-Term Investments	1.57B	273.04M	30.55M	46.66M	1.52B	592.67M
Total Debt	19.53M	21.66M	75.20M	251.08M	25.85M	29.90M
Total Liabilities	3.43B	3.27B	3.36B	3.74B	3.86B	2.55B
Stockholders Equity	443.82M	435.41M	439.06M	412.09M	450.37M	358.25M
Cash Flow
Free Cash Flow	22.25M	27.84M	33.91M	53.01M	44.21M	39.86M
Operating Cash Flow	23.68M	28.36M	35.66M	55.28M	45.25M	40.84M
Investing Cash Flow	54.69M	195.17M	334.69M	-218.10M	-340.67M	-173.44M
Financing Cash Flow	-78.69M	-116.69M	-385.32M	-139.40M	442.73M	149.53M

Bank Of Marin Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 25.91
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 25.91 is above the 20-day moving average (MA) of 24.10, above the 50-day MA of 24.34, and above the 200-day MA of 22.88, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 67.19 is Neutral, neither overbought nor oversold. The STOCH value of 92.40 is Negative, 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
CIVB	―	$416.00M	8.09	9.73%	3.15%	3.49%	33.86%
CWBC	―	$406.33M	11.84	8.91%	2.28%	32.03%	170.90%
BMRC	―	$423.77M	42.01	2.24%	3.90%	23.93%	―
BSRR	―	$397.79M	10.17	11.07%	3.63%	-0.65%	14.14%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GCBC	―	$373.23M	11.00	14.53%	1.67%	13.16%	37.40%
BRBS	―	$401.67M	98.64	1.29%	―	-15.07%	―

Bank Of Marin Bancorp Corporate Events

Bank of Marin’s Earnings Call Highlights Robust Growth

The recent earnings call of Bank of Marin Bancorp painted a positive picture of the company’s financial health, showcasing substantial growth in net income, improved asset quality, and an expansion in net interest margin. Despite minor challenges with noninterest income and deposit costs, the overall sentiment was optimistic, supported by strong loan and deposit growth, robust capital ratios, and consistent dividend payments.

Bank Of Marin Bancorp Declares Quarterly Dividend

On October 23, 2025, Bank of Marin Bancorp’s Board of Directors approved a quarterly cash dividend of $0.25 per share, payable on November 13, 2025. The company reported a significant improvement in its financial performance for the third quarter of 2025, with a net income of $7.5 million compared to a net loss in the previous quarter. This improvement was attributed to growth in loan activities, better asset quality, and an increase in net interest margin. The company’s strategic repositioning of securities in the second quarter contributed to these positive results, enhancing its market positioning and offering promising implications for stakeholders.

The most recent analyst rating on (BMRC) stock is a Hold with a $25.00 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 Q3 2025 Earnings Call Announcement

Bank of Marin Bancorp announced that its President and CEO Tim Myers, along with CFO Dave Bonaccorso, will discuss the financial results for the quarter ended September 30, 2025, in an earnings call on October 27, 2025. The call will be available via webcast, and a replay will be accessible shortly after. This announcement provides stakeholders with an opportunity to gain insights into the company’s financial performance and strategic direction.

The most recent analyst rating on (BMRC) stock is a Hold with a $27.00 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 to Attend Stephens Forum

Bank of Marin Bancorp announced that its President and CEO Tim Myers, along with CFO David Bonaccorso, will participate in the Stephens Bank Forum on September 16-17, 2025. The company reported a second-quarter 2025 net loss of $8.5 million, attributed to a pre-tax loss from the sale of securities, but highlighted strong capital positions and strategic redeployment of proceeds to improve future earnings.

The most recent analyst rating on (BMRC) stock is a Hold with a $27.00 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 to Attend Banking Conference

Bank of Marin Bancorp announced that its President and CEO Tim Myers, along with CFO David Bonaccorso, will participate in the Raymond James U.S. Bank & Banking on Tech Conference on September 3-4, 2025. The company reported a net loss for the second quarter of 2025, driven by a significant pre-tax loss from the sale of securities, but also highlighted strong capital positions and strategic redeployment of proceeds to improve future earnings. The bank’s focus on maintaining strong credit quality and liquidity, despite a decrease in total deposits, underscores its commitment to long-term shareholder value.

The most recent analyst rating on (BMRC) stock is a Hold with a $26.00 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 to Attend Western Bank Summit

Bank of Marin Bancorp announced that its President and CEO, Tim Myers, and CFO, David Bonaccorso, will participate in the 15th Annual D.A. Davidson Western Bank Summit on August 26-27, 2025. The bank reported a net loss for the second quarter of 2025, primarily due to a significant loss on the sale of securities. Despite this, the bank maintained strong capital levels, repurchased shares, and continued to focus on strategic priorities such as growing non-interest income and investing in technology.

The most recent analyst rating on (BMRC) stock is a Hold 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 Earnings Call: Mixed Outlook with Growth Potential

The recent earnings call for Bank of Marin presented a mixed outlook, reflecting both positive and challenging aspects of the bank’s financial performance. While there were notable improvements in net interest margin, net income, and book value, the bank also faced a net loss due to securities sales and a decline in deposits. Despite these challenges, the bank’s capital ratios remain robust, and there is optimism for loan growth in the latter half of the year.

Bank of Marin Bancorp Reports Q2 2025 Financial Results

Bank of Marin Bancorp, headquartered in Novato, California, is a business and community bank offering commercial and personal banking, specialty lending, and wealth management services across Northern California. It is recognized for its commitment to community service and is part of the Russell 2000 Small-Cap Index.

Bank of Marin Bancorp Reports Q2 2025 Net Loss

Bank of Marin Bancorp announced that its President and CEO, Tim Myers, and CFO, David Bonaccorso, will participate in the Keefe Bruyette & Woods Community Bank Investor Conference from July 28-30, 2025. In its second-quarter 2025 financial overview, the company reported a net loss of $8.5 million, largely due to a pre-tax loss from the sale of securities, but highlighted strong capital positions and strategic redeployment of proceeds to enhance future earnings. The announcement underscores the bank’s efforts to maintain financial stability and improve shareholder value amidst challenging economic conditions.

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 Announces Quarterly Dividend

On July 24, 2025, Bank of Marin Bancorp’s Board of Directors approved a quarterly cash dividend of $0.25 per share, payable on August 14, 2025. The company also announced revisions to its Insider Trading Policy, including changes to the blackout period and provisions for 10b5-1 trading plans. For the second quarter of 2025, Bancorp reported a net loss of $8.5 million, attributed to securities repositioning, despite a 15% growth in pre-tax pre-provision net income. The repositioning is expected to enhance future earnings, with a 13 basis point increase in net interest margin anticipated in the third quarter.

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 Announces New Stock Buyback Program

On July 24, 2025, Bank of Marin Bancorp’s Board of Directors approved a new stock repurchase program authorizing the buyback of up to $25 million of its common stock through July 31, 2027. This initiative replaces the previous program expiring at the end of July 2025, which saw $6.4 million in shares repurchased. The program aims to maintain a balanced capital allocation strategy, allowing the company to make strategic decisions benefiting shareholders. The repurchase can be executed through various means, including open market and privately negotiated transactions, with the possibility of adopting a trading plan under Rule 10b5-1 to navigate insider trading restrictions. The program offers flexibility as it may be suspended or discontinued at any time without obligating the acquisition of a specific number of shares.

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.