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BMRC logoBank of Marin Bancorp(BMRC)Earnings, Financials & Key Ratios

BMRC•NASDAQ•Banking & Credit
$26.22
$423M mkt cap·9.6× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutBank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, professionals, not-for-profit organizations, and individuals in California, the United States. It offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry and insured cash sweep services. The company also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, it offers merchant and payroll, and cash management services; credit cards; fraud detection tools; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, the company provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. It operates through 12 branch offices in Marin, southern Sonoma counties, and north of San Francisco, California; and a loan production office in San Francisco. The company was incorporated in 1989 and is headquartered in Novato, California.Show more
  • Net Interest Income$110M+16.5%
  • Total Revenue$177M+51.8%
  • Net Income$43M+616.2%
  • Return on Equity10.46%+643.8%
  • Net Interest Margin2.82%+10.4%
  • Efficiency Ratio46.88%-30.3%
  • ROA1.14%+609.3%
  • Equity / Assets10.11%-14.1%
  • Book Value per Share24.82-8.5%
  • Tangible BV/Share20.13-10.3%
  • Debt/Equity0.18+253.0%
Technical→

BMRC Key Insights

Bank of Marin Bancorp (BMRC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 46.9% efficiency ratio
  • ✓Well capitalized: 10.1% equity/assets
  • ✓Healthy dividend yield of 3.9%
  • ✓Trading at only 1.1x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 4.4%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BMRC Price & Volume

Bank of Marin Bancorp (BMRC) stock price & volume — 10-year historical chart

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BMRC Growth Metrics

Bank of Marin Bancorp (BMRC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.44%
5 Years10.31%
3 Years7.9%
TTM-

Profit CAGR

10 Years8.94%
5 Years7.5%
3 Years-2.33%
TTM828.75%

EPS CAGR

10 Years6.03%
5 Years4.22%
3 Years-2.22%
TTM840%

Return on Capital

10 Years9.24%
5 Years5.88%
3 Years1.71%
Last Year2.36%

BMRC Recent Earnings

Bank of Marin Bancorp (BMRC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 4/12 qtrs (36%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Apr 27, 2026
EPS
$0.53
Est $0.56
-5.4%
Revenue
$34M
Est $34M
+0.8%
Q2 2026
Mar 13, 2026
EPS
$2.49
Revenue
$79M
Q1 2026
Jan 26, 2026
EPS
$0.59
Est $0.51
+15.7%
Revenue
$34M
Est $33M
+2.7%
Q4 2025
Oct 27, 2025
EPS
$0.47
Est $0.42
+11.9%
Revenue
$30M
Est $32M
-7.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 27, 2026
$0.53vs $0.56-5.4%
$34Mvs $34M+0.8%
Q2 2026Mar 13, 2026
$2.49
$79M
Q1 2026Jan 26, 2026
$0.59vs $0.51+15.7%
$34Mvs $33M+2.7%
Q4 2025Oct 27, 2025
$0.47vs $0.42+11.9%
$30Mvs $32M-7.8%
Based on last 12 quarters of dataView full earnings history →

BMRC Peer Comparison

Bank of Marin Bancorp (BMRC) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
WABC logoWABCWestamerica BancorporationDirect Competitor1.37B54.6710.51-5%12.89%0.16
HTBK logoHTBKHeritage Commerce CorpDirect Competitor828.43M13.4517.245.84%6.83%0.06
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.8B20.6313.57-2.33%9.25%0.43
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
BPOP logoBPOPPopular, Inc.Direct Competitor9.75B150.0412.205.7%13.82%0.25
HAFC logoHAFCHanmi Financial CorporationDirect Competitor909.33M30.4212.123.55%9.85%0.35
BANR logoBANRBanner CorporationProduct Competitor2.24B66.2311.74-0.95%10.34%0.19
COLB logoCOLBColumbia Banking System, Inc.Product Competitor7.19B30.2013.138.35%8.39%0.51

Compare BMRC vs Peers

Bank of Marin Bancorp (BMRC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WABC

Most directly comparable listed peer for BMRC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare BMRC against a more recognizable public peer.

Peer Set

Compare Top 5

vs WABC, HTBK, CVBF, NBTB

BMRC Income Statement

Bank of Marin Bancorp (BMRC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income74.85M91.54M95.68M96.66M104.95M127.49M102.76M94.66M110.23M85.29M
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 Income76.6M95.08M100.44M99.64M108.35M130.04M139.49M141.27M152.43M117.19M
Interest Expense1.74M3.54M4.76M2.98M3.4M2.55M36.73M46.61M42.2M44.4M
Loan Loss Provision500K0900K6.16M-2.44M-381K2.23M5.32M75K-12.49M
Non-Interest Income8.27M10.14M9.08M8.55M10.11M10.65M2.21M-24.89M24.3M65.16M
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 Expense53.78M58.27M57.97M58.46M72.61M75.01M76.7M78.29M82.85M62.51M
Efficiency Ratio63.37%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 Tax12.86M10.79M11.65M10.35M11.66M16.92M6.14M-5.43M18.86M20.34M
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)15.98M32.62M34.24M30.24M33.23M46.59M19.89M-8.41M43.41M47.04M
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)1.292.352.512.242.322.931.24-0.522.74-
Diluted Shares Outstanding12.55M14.03M13.79M13.62M14.42M15.97M16.03M16.04M15.9M15.97M

BMRC Balance Sheet

Bank of Marin Bancorp (BMRC) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments536.01M502.88M615.65M592.67M1.52B46.66M30.55M273.04M247.19M2.37B
Cash & Due from Banks203.54M34.22M183.39M200.32M347.64M45.42M30.45M137.3M225.3M236.64M
Short Term Investments332.47M468.66M432.26M392.35M1.17B1.24M100K135.73M21.88M1.33B
Total Investments2.15B2.37B2.4B2.57B3.74B3.84B3.53B3.32B3.44B1.33B
Investments Growth %13.69%10.29%1.21%7.13%45.79%2.71%-8.28%-5.86%3.49%-51.58%
Long-Term Investments1.81B1.9B1.96B2.17B2.57B3.84B3.53B3.18B3.4B9.96B
Accounts Receivables72.62M75.87M75.71M36.48M51.36M79.83M002.09B0
Goodwill & Intangibles36.63M35.71M34.82M33.97M79.36M77.87M76.52M75.55M74.67M74.47M
Goodwill30.14M30.14M30.14M30.14M72.75M72.75M72.75M72.75M72.75M72.75M
Intangible Assets6.49M5.57M4.68M3.83M6.61M5.12M3.77M2.79M1.92M1.72M
PP&E (Net)8.61M7.38M17.07M30.53M31.16M32.95M28.11M25.86M8.06M30.13M
Other Assets00043.55M62.27M67.52M143.05M103.78M-1.98B0
Total Current Assets610.78M578.75M691.36M629.4M1.57B126.49M30.55M273.04M2.32B1.56B
Total Non-Current Assets1.86B1.94B2.01B2.28B2.75B4.02B3.77B3.43B1.5B104.6M
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 Payable16.72M20M18.47M19.53M29.44M22.95M0000
Total Debt5.74M9.64M15.54M29.9M25.85M251.08M75.2M21.66M69.31M24.55M
Net Debt-197.81M-24.58M-167.85M-170.42M-321.79M205.65M44.75M-115.64M-155.99M-212.09M
Long-Term Debt5.74M9.64M2.92M2.78M0112M26M043.86M0
Short-Term Debt00000112M26M04.89M24.55M
Other Liabilities00000-112M-438K24.25M3.44B3.5B
Total Current Liabilities2.17B2.19B2.35B2.52B3.84B3.71B3.32B3.22B4.89M24.55M
Total Non-Current Liabilities5.74M9.64M15.54M29.84M25.43M26.64M48.47M45.76M3.51B3.5B
Total Liabilities2.17B2.2B2.37B2.55B3.86B3.74B3.36B3.27B3.51B3.52B
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 Share23.6722.5524.4226.3131.2325.8127.4027.1424.8224.70
Tangible BV per Share20.7620.0121.8923.8125.7320.9322.6222.4320.1320.04
Common Stock143.97M140.56M129.06M125.91M212.52M215.06M217.5M215.51M214.91M215.65M
Additional Paid-in Capital0000000000
Retained Earnings155.54M179.94M203.23M219.75M239.87M270.78M274.57M249.96M198.16M202.65M
Accumulated OCI-2.49M-4.1M4.5M12.6M-2.02M-73.75M-53.01M-30.07M-18.42M-23.8M
Treasury Stock0000000000
Preferred Stock0000000000

BMRC Cash Flow Statement

Bank of Marin Bancorp (BMRC) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations26.95M42.11M40.93M40.84M45.25M55.28M35.66M28.36M39.08M39.08M
Operating CF Growth %5.9%56.26%-2.79%-0.21%10.79%22.15%-35.49%-20.45%37.76%83.53%
Net Income15.98M32.62M34.24M30.24M33.23M46.59M19.89M-8.41M43.41M47.04M
Depreciation & Amortization2.47M3.06M3.12M3M2.88M3.33M3.45M2.44M1.61M2.66M
Deferred Taxes0000000000
Other Non-Cash Items5.14M1.53M1.08M10.79M-982K5.65M12.25M39.08M10.18M81.78M
Working Capital Changes745K2.05M-259K-5.68M7.83M-2.48M-1.77M-6.52M-16.59M-15.42M
Cash from Investing7.81M-225.3M-20.75M-173.44M-340.67M-218.1M334.69M195.17M-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 Investments130.3M98.48M175.13M176.89M188.37M187.94M315.09M370.38M941.4M1.22B
Net Investment Activity6.24M-139.8M59.7M77.99M-737.59M-375.49M315.05M206.61M-127.35M-239.69M
Acquisitions59.78M000140.58M00000
Other Investing-56.77M-84.6M-79.91M-250.45M257.39M159.66M21.39M-10.91M-44.64M29.53M
Cash from Financing119.98M13.87M128.99M149.53M442.73M-139.4M-385.32M-116.69M220.91M143.11M
Dividends Paid-6.9M-8.86M-10.96M-12.51M-13.11M-15.67M-16.11M-16.2M-16.13M-12.1M
Share Repurchases0-6.87M-15.06M-6.9M-40.93M-1.29M-70K-4.32M-3.29M-3.3M
Stock Issued0000000035K9K
Net Stock Activity0-6.87M-15.06M-6.9M-40.93M-1.29M-70K-4.32M-3.26M-3.29M
Debt Issuance (Net)01000K-1000K-172K-1000K1000K-1000K-1000K1000K-88K
Other Financing126.88M26.74M162.18M169.11M514.87M-234.3M-283M-70.02M195.42M158.59M
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 Effect0000000000
Cash at Beginning48.8M203.54M34.22M183.39M200.32M347.64M45.42M30.45M137.3M0
Cash at End203.54M34.22M183.39M200.32M347.64M45.42M30.45M137.3M225.3M0
Interest Paid1.53M2.6M4.66M2.95M2.1M2.56M34.04M46.36M43.14M10.28M
Income Taxes Paid9.76M8.38M12.74M13.06M12.35M13.73M8.43M2.25M429K-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%

BMRC Banking Ratios

Bank of Marin Bancorp (BMRC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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 Margin3.03%3.63%3.53%3.32%2.43%3.07%2.7%2.56%2.82%2.18%
Efficiency Ratio63.37%55.38%52.93%54.03%61.3%53.32%54.13%67.27%46.88%34.28%
Equity / Assets12.03%12.55%12.44%12.3%10.44%9.94%11.54%11.76%10.11%10.08%
Book Value / Share23.6722.5524.4226.3131.2325.8127.427.1424.8224.7
NII Growth2.31%22.3%4.52%1.02%8.58%21.48%-19.4%-7.88%16.45%-12%
Dividend Payout43.16%27.16%32%41.35%39.45%33.64%80.95%-37.15%25.72%

BMRC SEC Filings & Documents

Bank of Marin Bancorp (BMRC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 27, 2026·SEC

Material company update

Apr 2, 2026·SEC

Material company update

Mar 18, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

10-Q Quarterly Reports

4
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 12, 2025·SEC

BMRC Frequently Asked Questions

Bank of Marin Bancorp (BMRC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More BMRC

Bank of Marin Bancorp (BMRC) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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