(BMRC) Bank of Marin Bancorp - Overview
Stock: Deposits, Loans, Treasury, Cards, Wealth
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.21% |
| Yield on Cost 5y | 3.29% |
| Yield CAGR 5y | 1.56% |
| Payout Consistency | 96.6% |
| Payout Ratio | 49.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 35.3% |
| Relative Tail Risk | -13.7% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.39 |
| Alpha | -1.90 |
| Character TTM | |
|---|---|
| Beta | 0.784 |
| Beta Downside | 0.954 |
| Drawdowns 3y | |
|---|---|
| Max DD | 54.22% |
| CAGR/Max DD | 0.03 |
Description: BMRC Bank of Marin Bancorp December 29, 2025
Bank of Marin Bancorp (NASDAQ: BMRC) is the holding company for Bank of Marin, a community-focused financial institution that serves small- to medium-sized businesses, non-profits, and commercial-real-estate investors across the United States. Its product suite spans personal and business deposit accounts, a full range of loan products (including CRE, construction, SBA, and home-equity lines), merchant-processing, treasury-management, and wealth-management services such as trust administration and customized investment portfolios.
As of the most recent filing, BMRC reported total assets of roughly $2.1 billion and a loan-to-deposit ratio near 70 %, indicating a conservative balance-sheet posture relative to many regional peers. The bank’s net interest margin (NIM) has hovered around 3.2 % in the current rate-rise environment, and its return on assets (ROA) sits near 0.7 %, reflecting modest profitability typical of community banks that rely on relationship-driven lending. Key sector drivers include the Federal Reserve’s policy stance-higher rates tend to boost NIM but can pressure loan demand-and California’s housing market dynamics, which directly affect the bank’s CRE and construction-finance pipelines.
For a deeper quantitative view, the ValueRay platform offers granular financial metrics and peer comparisons worth exploring.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 43.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.39 > 1.0 |
| NWC/Revenue: -650.8% < 20% (prev -2532 %; Δ 1881 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 36.2m > Net Income 43.4m |
| Net Debt (-180.7m) to EBITDA (53.8m): -3.36 < 3 |
| Current Ratio: 0.67 > 1.5 & < 3 |
| Outstanding Shares: last quarter (15.9m) vs 12m ago -0.43% < -2% |
| Gross Margin: 76.08% > 18% (prev 0.55%; Δ 7553 % > 0.5%) |
| Asset Turnover: 4.65% > 50% (prev 3.14%; Δ 1.50% > 0%) |
| Interest Coverage Ratio: 1.22 > 6 (EBITDA TTM 53.8m / Interest Expense TTM 42.2m) |
Altman Z'' -1.56
| A: -0.29 (Total Current Assets 2.32b - Total Current Liabilities 3.47b) / Total Assets 3.90b |
| B: 0.05 (Retained Earnings 198.2m / Total Assets 3.90b) |
| C: 0.01 (EBIT TTM 51.6m / Avg Total Assets 3.80b) |
| D: 0.11 (Book Value of Equity 394.7m / Total Liabilities 3.51b) |
| Altman-Z'' Score: -1.56 = D |
Beneish M 1.00
| DSRI: 8.38 (Receivables 2.09b/164.3m, Revenue 176.7m/116.4m) |
| GMI: 0.73 (GM 76.08% / 55.38%) |
| AQI: 0.44 (AQ_t 0.40 / AQ_t-1 0.92) |
| SGI: 1.52 (Revenue 176.7m / 116.4m) |
| TATA: 0.00 (NI 43.4m - CFO 36.2m) / TA 3.90b) |
| Beneish M-Score: 2.84 (Cap -4..+1) = D |
What is the price of BMRC shares?
Over the past week, the price has changed by +2.98%, over one month by +5.26%, over three months by +8.01% and over the past year by +11.95%.
Is BMRC a buy, sell or hold?
- StrongBuy: 3
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BMRC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 30.8 | 12.4% |
| Analysts Target Price | 30.8 | 12.4% |
| ValueRay Target Price | 28.7 | 4.8% |
BMRC Fundamental Data Overview January 31, 2026
P/E Forward = 11.7786
P/S = 12.8199
P/B = 0.9666
P/EG = 1.93
Revenue TTM = 176.7m USD
EBIT TTM = 51.6m USD
EBITDA TTM = 53.8m USD
Long Term Debt = 43.9m USD (estimated: total debt 44.6m - short term 709.0k)
Short Term Debt = 709.0k USD (from shortTermDebt, last quarter)
Debt = 44.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -180.7m USD (from netDebt column, last quarter)
Enterprise Value = 242.6m USD (423.3m + Debt 44.6m - CCE 225.3m)
Interest Coverage Ratio = 1.22 (Ebit TTM 51.6m / Interest Expense TTM 42.2m)
EV/FCF = 7.07x (Enterprise Value 242.6m / FCF TTM 34.3m)
FCF Yield = 14.14% (FCF TTM 34.3m / Enterprise Value 242.6m)
FCF Margin = 19.42% (FCF TTM 34.3m / Revenue TTM 176.7m)
Net Margin = 24.56% (Net Income TTM 43.4m / Revenue TTM 176.7m)
Gross Margin = 76.08% ((Revenue TTM 176.7m - Cost of Revenue TTM 42.3m) / Revenue TTM)
Gross Margin QoQ = 86.57% (prev 73.25%)
Tobins Q-Ratio = 0.06 (Enterprise Value 242.6m / Total Assets 3.90b)
Interest Expense / Debt = 23.90% (Interest Expense 10.7m / Debt 44.6m)
Taxrate = 31.08% (17.8m / 57.4m)
NOPAT = 35.6m (EBIT 51.6m * (1 - 31.08%))
Current Ratio = 0.67 (Total Current Assets 2.32b / Total Current Liabilities 3.47b)
Debt / Equity = 0.11 (Debt 44.6m / totalStockholderEquity, last quarter 394.7m)
Debt / EBITDA = -3.36 (Net Debt -180.7m / EBITDA 53.8m)
Debt / FCF = -5.27 (Net Debt -180.7m / FCF TTM 34.3m)
Total Stockholder Equity = 429.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 43.4m / Total Assets 3.90b)
RoE = 10.11% (Net Income TTM 43.4m / Total Stockholder Equity 429.1m)
RoCE = 10.91% (EBIT 51.6m / Capital Employed (Equity 429.1m + L.T.Debt 43.9m))
RoIC = 16.63% (NOPAT 35.6m / Invested Capital 213.9m)
WACC = 9.54% (E(423.3m)/V(467.9m) * Re(8.81%) + D(44.6m)/V(467.9m) * Rd(23.90%) * (1-Tc(0.31)))
Discount Rate = 8.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.48%
[DCF Debug] Terminal Value 72.94% ; FCFF base≈27.8m ; Y1≈28.3m ; Y5≈30.9m
Fair Price DCF = 37.10 (EV 416.6m - Net Debt -180.7m = Equity 597.4m / Shares 16.1m; r=9.54% [WACC]; 5y FCF grow 1.39% → 2.90% )
EPS Correlation: -27.05 | EPS CAGR: -6.90% | SUE: 0.0 | # QB: 0
Revenue Correlation: -2.72 | Revenue CAGR: 25.98% | SUE: 3.85 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.55 | Chg30d=+0.035 | Revisions Net=+3 | Analysts=6
EPS current Year (2026-12-31): EPS=2.36 | Chg30d=+0.122 | Revisions Net=+3 | Growth EPS=+54.7% | Growth Revenue=+17.5%
EPS next Year (2027-12-31): EPS=2.57 | Chg30d=+0.140 | Revisions Net=+3 | Growth EPS=+9.2% | Growth Revenue=+6.0%