8-K Announcements
6Apr 27, 2026·SEC
Apr 2, 2026·SEC
Mar 18, 2026·SEC
Bank of Marin Bancorp (BMRC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Bank of Marin Bancorp (BMRC) stock price & volume — 10-year historical chart
Bank of Marin Bancorp (BMRC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Bank of Marin Bancorp (BMRC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.53vs $0.56-5.4% | $34Mvs $34M+0.8% |
| Q2 2026 | Mar 13, 2026 | $2.49 | $79M |
| Q1 2026 | Jan 26, 2026 | $0.59vs $0.51+15.7% | $34Mvs $33M+2.7% |
| Q4 2025 | Oct 27, 2025 | $0.47vs $0.42+11.9% | $30Mvs $32M-7.8% |
Bank of Marin Bancorp (BMRC) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Bank of Marin Bancorp (BMRC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Bank of Marin Bancorp (BMRC) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 74.85M | 91.54M | 95.68M | 96.66M | 104.95M | 127.49M | 102.76M | 94.66M | 110.23M | 85.29M |
| NII Growth % | 2.31% | 22.3% | 4.52% | 1.02% | 8.58% | 21.48% | -19.4% | -7.88% | 16.45% | -44.91% |
| Net Interest Margin % | 3.03% | 3.63% | 3.53% | 3.32% | 2.43% | 3.07% | 2.7% | 2.56% | 2.82% | 2.18% |
| Interest Income | 76.6M | 95.08M | 100.44M | 99.64M | 108.35M | 130.04M | 139.49M | 141.27M | 152.43M | 117.19M |
| Interest Expense | 1.74M | 3.54M | 4.76M | 2.98M | 3.4M | 2.55M | 36.73M | 46.61M | 42.2M | 44.4M |
| Loan Loss Provision | 500K | 0 | 900K | 6.16M | -2.44M | -381K | 2.23M | 5.32M | 75K | -12.49M |
| Non-Interest Income | 8.27M | 10.14M | 9.08M | 8.55M | 10.11M | 10.65M | 2.21M | -24.89M | 24.3M | 65.16M |
| Non-Interest Income % | 9.74% | 9.64% | 8.29% | 7.9% | 8.53% | 7.57% | 1.56% | -21.38% | 13.75% | 35.73% |
| Total Revenue | 84.86M▲ 0% | 105.22M▲ 24.0% | 109.52M▲ 4.1% | 108.19M▼ 1.2% | 118.46M▲ 9.5% | 140.69M▲ 18.8% | 141.7M▲ 0.7% | 116.39M▼ 17.9% | 176.73M▲ 51.8% | 182.35M▲ 0% |
| Revenue Growth % | 0.32% | 23.99% | 4.09% | -1.22% | 9.49% | 18.77% | 0.72% | -17.86% | 51.85% | 563.55% |
| Non-Interest Expense | 53.78M | 58.27M | 57.97M | 58.46M | 72.61M | 75.01M | 76.7M | 78.29M | 82.85M | 62.51M |
| Efficiency Ratio | 63.37% | 55.38% | 52.93% | 54.03% | 61.3% | 53.32% | 54.13% | 67.27% | 46.88% | 34.28% |
| Operating Income | 28.84M▲ 0% | 43.42M▲ 50.6% | 45.89M▲ 5.7% | 40.59M▼ 11.6% | 44.89M▲ 10.6% | 63.51M▲ 41.5% | 26.04M▼ 59.0% | -13.84M▼ 153.1% | 51.62M▲ 473.1% | 45.13M▲ 0% |
| Operating Margin % | 33.98% | 41.26% | 41.9% | 37.52% | 37.89% | 45.14% | 18.37% | -11.89% | 29.21% | 24.75% |
| Operating Income Growth % | -20.95% | 50.55% | 5.71% | -11.56% | 10.59% | 41.49% | -59% | -153.14% | 473.08% | - |
| Pretax Income | 28.84M▲ 0% | 43.42M▲ 50.6% | 45.89M▲ 5.7% | 40.59M▼ 11.6% | 44.89M▲ 10.6% | 63.51M▲ 41.5% | 26.04M▼ 59.0% | -13.84M▼ 153.1% | 62.27M▲ 550.1% | 67.38M▲ 0% |
| Pretax Margin % | 33.98% | 41.26% | 41.9% | 37.52% | 37.89% | 45.14% | 18.37% | -11.89% | 35.23% | 36.95% |
| Income Tax | 12.86M | 10.79M | 11.65M | 10.35M | 11.66M | 16.92M | 6.14M | -5.43M | 18.86M | 20.34M |
| Effective Tax Rate % | 44.6% | 24.86% | 25.39% | 25.49% | 25.97% | 26.65% | 23.59% | 39.22% | 30.29% | 30.19% |
| Net Income | 15.98M▲ 0% | 32.62M▲ 104.2% | 34.24M▲ 5.0% | 30.24M▼ 11.7% | 33.23M▲ 9.9% | 46.59M▲ 40.2% | 19.89M▼ 57.3% | -8.41M▼ 142.3% | 43.41M▲ 616.2% | 47.04M▲ 0% |
| Net Margin % | 18.83% | 31% | 31.26% | 27.95% | 28.05% | 33.11% | 14.04% | -7.23% | 24.56% | 25.8% |
| Net Income Growth % | -30.94% | 104.19% | 4.96% | -11.68% | 9.87% | 40.2% | -57.29% | -142.27% | 616.2% | 828.75% |
| Net Income (Continuing) | 15.98M | 32.62M | 34.24M | 30.24M | 33.23M | 46.59M | 19.89M | -8.41M | 43.41M | 47.04M |
| EPS (Diluted) | 1.27▲ 0% | 2.33▲ 83.5% | 2.48▲ 6.4% | 2.22▼ 10.5% | 2.30▲ 3.6% | 2.92▲ 27.0% | 1.24▼ 57.5% | -0.52▼ 141.9% | 2.73▲ 625.0% | 2.95▲ 0% |
| EPS Growth % | -32.8% | 83.46% | 6.44% | -10.48% | 3.6% | 26.96% | -57.53% | -141.94% | 625% | 840% |
| EPS (Basic) | 1.29 | 2.35 | 2.51 | 2.24 | 2.32 | 2.93 | 1.24 | -0.52 | 2.74 | - |
| Diluted Shares Outstanding | 12.55M | 14.03M | 13.79M | 13.62M | 14.42M | 15.97M | 16.03M | 16.04M | 15.9M | 15.97M |
Bank of Marin Bancorp (BMRC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 536.01M | 502.88M | 615.65M | 592.67M | 1.52B | 46.66M | 30.55M | 273.04M | 247.19M | 2.37B |
| Cash & Due from Banks | 203.54M | 34.22M | 183.39M | 200.32M | 347.64M | 45.42M | 30.45M | 137.3M | 225.3M | 236.64M |
| Short Term Investments | 332.47M | 468.66M | 432.26M | 392.35M | 1.17B | 1.24M | 100K | 135.73M | 21.88M | 1.33B |
| Total Investments | 2.15B | 2.37B | 2.4B | 2.57B | 3.74B | 3.84B | 3.53B | 3.32B | 3.44B | 1.33B |
| Investments Growth % | 13.69% | 10.29% | 1.21% | 7.13% | 45.79% | 2.71% | -8.28% | -5.86% | 3.49% | -51.58% |
| Long-Term Investments | 1.81B | 1.9B | 1.96B | 2.17B | 2.57B | 3.84B | 3.53B | 3.18B | 3.4B | 9.96B |
| Accounts Receivables | 72.62M | 75.87M | 75.71M | 36.48M | 51.36M | 79.83M | 0 | 0 | 2.09B | 0 |
| Goodwill & Intangibles | 36.63M | 35.71M | 34.82M | 33.97M | 79.36M | 77.87M | 76.52M | 75.55M | 74.67M | 74.47M |
| Goodwill | 30.14M | 30.14M | 30.14M | 30.14M | 72.75M | 72.75M | 72.75M | 72.75M | 72.75M | 72.75M |
| Intangible Assets | 6.49M | 5.57M | 4.68M | 3.83M | 6.61M | 5.12M | 3.77M | 2.79M | 1.92M | 1.72M |
| PP&E (Net) | 8.61M | 7.38M | 17.07M | 30.53M | 31.16M | 32.95M | 28.11M | 25.86M | 8.06M | 30.13M |
| Other Assets | 0 | 0 | 0 | 43.55M | 62.27M | 67.52M | 143.05M | 103.78M | -1.98B | 0 |
| Total Current Assets | 610.78M | 578.75M | 691.36M | 629.4M | 1.57B | 126.49M | 30.55M | 273.04M | 2.32B | 1.56B |
| Total Non-Current Assets | 1.86B | 1.94B | 2.01B | 2.28B | 2.75B | 4.02B | 3.77B | 3.43B | 1.5B | 104.6M |
| Total Assets | 2.47B▲ 0% | 2.52B▲ 2.1% | 2.71B▲ 7.4% | 2.91B▲ 7.6% | 4.31B▲ 48.2% | 4.15B▼ 3.9% | 3.8B▼ 8.3% | 3.7B▼ 2.7% | 3.9B▲ 5.5% | 3.91B▲ 0% |
| Asset Growth % | 21.97% | 2.14% | 7.39% | 7.56% | 48.16% | -3.86% | -8.28% | -2.7% | 5.5% | 11.79% |
| Return on Assets (ROA) | 0.71% | 1.31% | 1.31% | 1.08% | 0.92% | 1.1% | 0.5% | -0.22% | 1.14% | 1.22% |
| Accounts Payable | 16.72M | 20M | 18.47M | 19.53M | 29.44M | 22.95M | 0 | 0 | 0 | 0 |
| Total Debt | 5.74M | 9.64M | 15.54M | 29.9M | 25.85M | 251.08M | 75.2M | 21.66M | 69.31M | 24.55M |
| Net Debt | -197.81M | -24.58M | -167.85M | -170.42M | -321.79M | 205.65M | 44.75M | -115.64M | -155.99M | -212.09M |
| Long-Term Debt | 5.74M | 9.64M | 2.92M | 2.78M | 0 | 112M | 26M | 0 | 43.86M | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 112M | 26M | 0 | 4.89M | 24.55M |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | -112M | -438K | 24.25M | 3.44B | 3.5B |
| Total Current Liabilities | 2.17B | 2.19B | 2.35B | 2.52B | 3.84B | 3.71B | 3.32B | 3.22B | 4.89M | 24.55M |
| Total Non-Current Liabilities | 5.74M | 9.64M | 15.54M | 29.84M | 25.43M | 26.64M | 48.47M | 45.76M | 3.51B | 3.5B |
| Total Liabilities | 2.17B | 2.2B | 2.37B | 2.55B | 3.86B | 3.74B | 3.36B | 3.27B | 3.51B | 3.52B |
| Total Equity | 297.02M▲ 0% | 316.41M▲ 6.5% | 336.79M▲ 6.4% | 358.25M▲ 6.4% | 450.37M▲ 25.7% | 412.09M▼ 8.5% | 439.06M▲ 6.5% | 435.41M▼ 0.8% | 394.65M▼ 9.4% | 394.49M▲ 0% |
| Equity Growth % | 28.83% | 6.53% | 6.44% | 6.37% | 25.71% | -8.5% | 6.54% | -0.83% | -9.36% | -17.22% |
| Equity / Assets (Capital Ratio) | 12.03% | 12.55% | 12.44% | 12.3% | 10.44% | 9.94% | 11.54% | 11.76% | 10.11% | 10.08% |
| Return on Equity (ROE) | 6.06% | 10.64% | 10.48% | 8.7% | 8.22% | 10.8% | 4.67% | -1.92% | 10.46% | 11.26% |
| Book Value per Share | 23.67 | 22.55 | 24.42 | 26.31 | 31.23 | 25.81 | 27.40 | 27.14 | 24.82 | 24.70 |
| Tangible BV per Share | 20.76 | 20.01 | 21.89 | 23.81 | 25.73 | 20.93 | 22.62 | 22.43 | 20.13 | 20.04 |
| Common Stock | 143.97M | 140.56M | 129.06M | 125.91M | 212.52M | 215.06M | 217.5M | 215.51M | 214.91M | 215.65M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 155.54M | 179.94M | 203.23M | 219.75M | 239.87M | 270.78M | 274.57M | 249.96M | 198.16M | 202.65M |
| Accumulated OCI | -2.49M | -4.1M | 4.5M | 12.6M | -2.02M | -73.75M | -53.01M | -30.07M | -18.42M | -23.8M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Bank of Marin Bancorp (BMRC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 26.95M | 42.11M | 40.93M | 40.84M | 45.25M | 55.28M | 35.66M | 28.36M | 39.08M | 39.08M |
| Operating CF Growth % | 5.9% | 56.26% | -2.79% | -0.21% | 10.79% | 22.15% | -35.49% | -20.45% | 37.76% | 83.53% |
| Net Income | 15.98M | 32.62M | 34.24M | 30.24M | 33.23M | 46.59M | 19.89M | -8.41M | 43.41M | 47.04M |
| Depreciation & Amortization | 2.47M | 3.06M | 3.12M | 3M | 2.88M | 3.33M | 3.45M | 2.44M | 1.61M | 2.66M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 5.14M | 1.53M | 1.08M | 10.79M | -982K | 5.65M | 12.25M | 39.08M | 10.18M | 81.78M |
| Working Capital Changes | 745K | 2.05M | -259K | -5.68M | 7.83M | -2.48M | -1.77M | -6.52M | -16.59M | -15.42M |
| Cash from Investing | 7.81M | -225.3M | -20.75M | -173.44M | -340.67M | -218.1M | 334.69M | 195.17M | -171.99M | -211.54M |
| Purchase of Investments | -124.06M | -238.28M | -115.44M | -98.9M | -925.96M | -563.43M | -42K | -163.77M | -1.07B | -1.46B |
| Sale/Maturity of Investments | 130.3M | 98.48M | 175.13M | 176.89M | 188.37M | 187.94M | 315.09M | 370.38M | 941.4M | 1.22B |
| Net Investment Activity | 6.24M | -139.8M | 59.7M | 77.99M | -737.59M | -375.49M | 315.05M | 206.61M | -127.35M | -239.69M |
| Acquisitions | 59.78M | 0 | 0 | 0 | 140.58M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -56.77M | -84.6M | -79.91M | -250.45M | 257.39M | 159.66M | 21.39M | -10.91M | -44.64M | 29.53M |
| Cash from Financing | 119.98M | 13.87M | 128.99M | 149.53M | 442.73M | -139.4M | -385.32M | -116.69M | 220.91M | 143.11M |
| Dividends Paid | -6.9M | -8.86M | -10.96M | -12.51M | -13.11M | -15.67M | -16.11M | -16.2M | -16.13M | -12.1M |
| Share Repurchases | 0 | -6.87M | -15.06M | -6.9M | -40.93M | -1.29M | -70K | -4.32M | -3.29M | -3.3M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35K | 9K |
| Net Stock Activity | 0 | -6.87M | -15.06M | -6.9M | -40.93M | -1.29M | -70K | -4.32M | -3.26M | -3.29M |
| Debt Issuance (Net) | 0 | 1000K | -1000K | -172K | -1000K | 1000K | -1000K | -1000K | 1000K | -88K |
| Other Financing | 126.88M | 26.74M | 162.18M | 169.11M | 514.87M | -234.3M | -283M | -70.02M | 195.42M | 158.59M |
| Net Change in Cash | 154.74M▲ 0% | -169.32M▼ 209.4% | 149.17M▲ 188.1% | 16.93M▼ 88.6% | 147.32M▲ 770.1% | -302.22M▼ 305.1% | -14.97M▲ 95.0% | 106.85M▲ 813.7% | 88M▼ 17.6% | -34.62M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 48.8M | 203.54M | 34.22M | 183.39M | 200.32M | 347.64M | 45.42M | 30.45M | 137.3M | 0 |
| Cash at End | 203.54M | 34.22M | 183.39M | 200.32M | 347.64M | 45.42M | 30.45M | 137.3M | 225.3M | 0 |
| Interest Paid | 1.53M | 2.6M | 4.66M | 2.95M | 2.1M | 2.56M | 34.04M | 46.36M | 43.14M | 10.28M |
| Income Taxes Paid | 9.76M | 8.38M | 12.74M | 13.06M | 12.35M | 13.73M | 8.43M | 2.25M | 429K | -2.5M |
| Free Cash Flow | 25.51M▲ 0% | 41.2M▲ 61.5% | 40.39M▼ 2.0% | 39.86M▼ 1.3% | 44.21M▲ 10.9% | 53.01M▲ 19.9% | 33.91M▼ 36.0% | 27.84M▼ 17.9% | 36.95M▲ 32.7% | 32.31M▲ 0% |
| FCF Growth % | 4.54% | 61.49% | -1.96% | -1.3% | 10.9% | 19.91% | -36.03% | -17.89% | 32.72% | 14.15% |
Bank of Marin Bancorp (BMRC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.06% | 10.64% | 10.48% | 8.7% | 8.22% | 10.8% | 4.67% | -1.92% | 10.46% | 11.26% |
| Return on Assets (ROA) | 0.71% | 1.31% | 1.31% | 1.08% | 0.92% | 1.1% | 0.5% | -0.22% | 1.14% | 1.22% |
| Net Interest Margin | 3.03% | 3.63% | 3.53% | 3.32% | 2.43% | 3.07% | 2.7% | 2.56% | 2.82% | 2.18% |
| Efficiency Ratio | 63.37% | 55.38% | 52.93% | 54.03% | 61.3% | 53.32% | 54.13% | 67.27% | 46.88% | 34.28% |
| Equity / Assets | 12.03% | 12.55% | 12.44% | 12.3% | 10.44% | 9.94% | 11.54% | 11.76% | 10.11% | 10.08% |
| Book Value / Share | 23.67 | 22.55 | 24.42 | 26.31 | 31.23 | 25.81 | 27.4 | 27.14 | 24.82 | 24.7 |
| NII Growth | 2.31% | 22.3% | 4.52% | 1.02% | 8.58% | 21.48% | -19.4% | -7.88% | 16.45% | -12% |
| Dividend Payout | 43.16% | 27.16% | 32% | 41.35% | 39.45% | 33.64% | 80.95% | - | 37.15% | 25.72% |
Bank of Marin Bancorp (BMRC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 27, 2026·SEC
Apr 2, 2026·SEC
Mar 18, 2026·SEC
Bank of Marin Bancorp (BMRC) stock FAQ — growth, dividends, profitability & financials explained
Bank of Marin Bancorp (BMRC) grew revenue by 51.8% over the past year. This is strong growth.
Yes, Bank of Marin Bancorp (BMRC) is profitable, generating $47.0M in net income for fiscal year 2025 (24.6% net margin).
Yes, Bank of Marin Bancorp (BMRC) pays a dividend with a yield of 3.87%. This makes it attractive for income-focused investors.
Bank of Marin Bancorp (BMRC) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.
Bank of Marin Bancorp (BMRC) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
Bank of Marin Bancorp (BMRC) has an efficiency ratio of 46.9%. This is excellent, indicating strong cost control.
Bank of Marin Bancorp (BMRC) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates