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Bank of Marin Bancorp
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NASDAQ: BMRC Financials Bank 🔎 Screen
🏹 Trader: 🎯 Near 52W High | BRS 75 Ready · stale View all →
$463M
Market Cap
—
P/E
2.44
PEG
—
ROCE
-3.4%
ROE
0.17
D/E
—
OPM
-5.6%
% from 52W High
63
α RS
🌏 Global Investor Returns
Currency-adjusted total returns for BMRC including FX impact
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📈 Price History
Ratio Health
— Excellent
— Good
— Average
— Poor
By Category
📊 Peer Medians
About

Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company 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. It also provides commercial real estate, commercial and industrial, small business, and consumer loans, as well as construction financing and home equity lines of credit. In addition, the company offers merchant and payroll services; commercial equipment leasing program; payment solutions; treasury management services; credit cards; automated teller machines; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, it provides wealth management and trust services comprising customized investment portfolio management, trust administration, estate settlement, and custody services; international banking; and telephone and digital banking services. The company was founded in 1989 and is headquartered in Novato, California.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding BMRC
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 119.4K $3.1M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-27
Net income and EPS nearly doubled year-over-year, with margin expansion and improved profitability. Loan production and yields rose, credit quality improved, and capital ratios strengthened. Deposit volatility was driven by large customer flows, but new account growth and relationship banking remained strong.
Q1 2026 Q1 2026 2026-04-27
Profitability surged year-over-year with net income up 75% and EPS up 77%, driven by margin expansion, robust loan originations, and improved credit quality. Deposit growth and stable expenses support a positive outlook, with management expecting continued operating leverage and margin improvement in 2026.
Q4 2025 Q4 2025 2026-01-26
Q4 2025 saw robust loan and deposit growth, improved credit quality, and a successful balance sheet restructuring that led to a net loss but enhanced net interest margin and capital strength. Outlook for 2026 is positive, with expectations for continued growth and margin expansion.
Q3 2025 Q3 2025 2025-10-27
Net income rose 65% year-over-year, driven by strong loan and deposit growth, margin expansion, and improved asset quality. Capital ratios remain robust, with continued share repurchases and a stable dividend. CRE and CRA lending, especially in Sacramento, contributed to diversified growth.
Q2 2025 Q2 2025 2025-07-28
Q2 saw a net loss due to securities repositioning, but core earnings and net interest margin improved. Loan growth is targeted for the second half, with strong capital ratios and ongoing expense discipline supporting a positive outlook for 2025.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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A comprehensive, bias-free framework for analyzing and ranking stocks by Financial Strength, Growth Potential, Competitive Edge, Management Quality, and Value.

Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
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Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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