BMRC Stock Analysis: Bank of Marin Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 461m USD | 12M Return: 16.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.97M
EPS Trend: 2.9%
Qual. Beats: 0
Rev. Trend: 30.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Bank of Marin Bancorp (BMRC) is a California-based bank holding company serving small-to-medium businesses, non-profits, and commercial real estate investors. Its portfolio includes traditional deposit products, commercial and industrial loans, and specialized treasury management services. The company also operates a wealth management and trust division focused on investment portfolio management and estate settlement.
Operating as a regional bank, BMRC relies on a relationship-based business model where local deposits fund a diversified loan book. Regional banks in the United States often face distinct regulatory requirements and interest rate sensitivities compared to larger money-center institutions. Investors can find deeper insights into these financial metrics on ValueRay.
The institution maintains a presence in Northern California, offering niche services such as commercial equipment leasing and international banking. Its revenue is primarily derived from net interest income and fee-based services including merchant processing and trust administration.
- Net interest margin compression amid elevated funding costs for regional banks
- Commercial real estate loan concentration poses credit risk in California markets
- Non-interest income growth depends on wealth management and trust service expansion
- Operating efficiency improvements through branch consolidation and digital banking adoption
- Strategic acquisition activity impacts capital ratios and long-term shareholder value delivery
| Net Income: 47.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.10 > 1.0 |
| NWC/Revenue: 826.2% < 20% (prev -2.24k%; Δ 3.07k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 34.8m > Net Income 47.0m |
| Net Debt (-1.47b) to EBITDA (58.8m): -24.99 < 3 |
| Current Ratio: 63.65 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.0m) vs 12m ago -0.18% < -2% |
| Gross Margin: 76.15% > 18% (prev 57.03%; Δ 19.12% > 0.5%) |
| Asset Turnover: 4.84% > 50% (prev 3.11%; Δ 1.73% > 0%) |
| Interest Coverage Ratio: 1.28 > 6 (EBIT TTM 56.7m / Interest Expense TTM 44.4m) |
| A: 0.39 (Total Current Assets 1.56b - Total Current Liabilities 24.6m) / Total Assets 3.91b |
| B: 0.05 (Retained Earnings 202.6m / Total Assets 3.91b) |
| C: 0.01 (EBIT TTM 56.7m / Avg Total Assets 3.85b) |
| D: 0.11 (Book Value of Equity 394.5m / Total Liabilities 3.52b) |
| Altman-Z'' = 2.96 = A |
As of July 08, 2026, the stock is trading at USD 28.41 with a total of 178,132 shares traded. Over the past week, the price has changed by +2.97%, over one month by +9.61%, over three months by +9.40% and over the past year by +16.49%.
Current recommended Stop Loss: 26.10 (which is 8.1% or 2.5 ATR below the current price).
Bank of Marin Bancorp has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy BMRC.
- StrongBuy: 3
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 28.8 | 1.4% |
P/E Forward = 14.771
P/S = 13.064
P/B = 1.168
P/EG = 2.5581
Revenue TTM = 186.2m USD
EBIT TTM = 56.7m USD
EBITDA TTM = 58.8m USD
Long Term Debt = 43.9m USD (from longTermDebt, last quarter)
Short Term Debt = 24.6m USD (from shortTermDebt, last quarter)
Debt = 93.7m USD (corrected: LT Debt 43.9m + ST Debt 24.6m) + Leases 25.2m
Net Debt = -1.47b USD (calculated: Debt 93.7m - CCE 1.56b)
Enterprise Value = 461.4m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.28 (Ebit TTM 56.7m / Interest Expense TTM 44.4m)
EV/FCF = 13.92x (Enterprise Value 461.4m / FCF TTM 33.1m)
FCF Yield = 7.18% (FCF TTM 33.1m / Enterprise Value 461.4m)
FCF Margin = 17.81% (FCF TTM 33.1m / Revenue TTM 186.2m)
Net Margin = 25.27% (Net Income TTM 47.0m / Revenue TTM 186.2m)
Gross Margin = 76.15% ((Revenue TTM 186.2m - Cost of Revenue TTM 44.4m) / Revenue TTM)
Gross Margin QoQ = 73.21% (prev 86.57%)
Tobins Q-Ratio = 0.12 (Enterprise Value 461.4m / Total Assets 3.91b)
Interest Expense / Debt = 47.39% (Interest Expense 44.4m / Debt 93.7m)
Taxrate = 30.19% (20.3m / 67.4m)
NOPAT = 39.6m (EBIT 56.7m * (1 - 30.19%))
Current Ratio = 63.65 (Total Current Assets 1.56b / Total Current Liabilities 24.6m)
Debt / Equity = 0.24 (Debt 93.7m / totalStockholderEquity, last quarter 394.5m)
Debt / EBITDA = -24.99 (Net Debt -1.47b / EBITDA 58.8m)
Debt / FCF = -44.32 (Net Debt -1.47b / FCF TTM 33.1m)
Total Stockholder Equity = 417.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 47.0m / Total Assets 3.91b)
RoE = 11.26% (Net Income TTM 47.0m / Total Stockholder Equity 417.9m)
RoCE = 12.29% (EBIT 56.7m / Capital Employed (Equity 417.9m + L.T.Debt 43.9m))
RoIC = 1.01% (NOPAT 39.6m / Invested Capital 3.90b)
WACC = 13.03% (E(461.4m)/V(555.1m) * Re(8.96%) + D(93.7m)/V(555.1m) * Rd(47.39%) * (1-Tc(0.30)))
Discount Rate = 8.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -60.0 | Cagr: -0.22%
[DCF] Terminal Value 64.36% ; FCFF base≈31.2m ; Y1≈35.8m ; Y5≈52.7m
[DCF] Fair Price = 117.4 (EV 431.6m - Net Debt -1.47b = Equity 1.90b / Shares 16.2m; r=13.03% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 2.88 | EPS CAGR: 1.51% | SUE: -0.33 | # QB: 0
Revenue Correlation: 30.07 | Revenue CAGR: 6.10% | SUE: 0.54 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.52 | Chg30d=+0.00% | Revisions=-44% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.56 | Chg30d=+0.00% | Revisions=-67% | Analysts=6
EPS current Year (2026-12-31): EPS=2.17 | Chg30d=+0.00% | Revisions=-67% | GrowthEPS=+42.8% | GrowthRev=+13.4%
EPS next Year (2027-12-31): EPS=2.40 | Chg30d=+0.00% | Revisions=-62% | GrowthEPS=+10.1% | GrowthRev=+6.5%
[Analyst] Revisions Ratio: -81% (up=1, down=22)