A Business at a Glance
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Bank of Marin (the “Bank”) was incorporated in August 1989, received its charter from the California Superintendent of Banks (now the Department of Financial Protection and Innovation or "DFPI") and commenced operations in January 1990. The Bank is an insured bank by the Federal Deposit Insurance Corporation (“FDIC”). Bank of Marin Bancorp ("Bancorp") was formed in 2007 and the Bank became its sole subsidiary when each share of Bank common stock was exchanged for one share of Bancorp common stock. Bancorp is listed on the Nasdaq Stock Market under the symbol BMRC. Upon formation of the holding company, Bancorp became subject to regulation under the Bank Holding Company Act of 1956, as amended, and reporting and examination requirements by the Board of Governors of the Federal Reserve System ("Federal Reserve"). Bancorp files periodic reports and proxy statements with the Securities and Exchange Commission pursuant to the Securities Exchange Act of 1934, as amended.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 76M | 76M | 120M | 144M | 141M | 118M |
| Net Income | -36M | -36M | -8.4M | 20M | 47M | 33M |
| EPS | $-2.24 | $-2.24 | $-0.52 | $1.24 | $2.92 | $2.30 |
| Free Cash Flow | 37M | 37M | 28M | 34M | 53M | 44M |
| ROIC | -24.5% | -8.6% | -1.9% | 4.5% | 11.3% | 7.4% |
| Gross Margin | 38.3% | 38.3% | 56.5% | 72.8% | 98.1% | 95.9% |
| Debt/Equity | 0.00 | 8.89 | 7.50 | 2.98 | 0.27 | 0.00 |
| Dividends/Share | $1.01 | $1.00 | $1.00 | $1.00 | $0.98 | $0.94 |
| Operating Income | -52M | -52M | 1.4M | 1.3M | 64M | 45M |
| Operating Margin | -69.3% | -69.3% | 1.2% | 0.9% | 45.1% | 37.9% |
| ROE | -9.0% | -8.6% | -1.9% | 4.5% | 11.3% | 7.4% |
| Shares Outstanding | 16M | 16M | 16M | 16M | 16M | 14M |
Bank of Marin Bancorp passes 2 of 9 quality checks, indicating weak fundamentals.
Bank of Marin Bancorp trades at 43.0x trailing earnings, compared to its 15-year median P/E of 13.7x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 12.5x vs a median of 10.7x. The company's 5-year average ROIC is 2.5% with a gross margin of 72.3%. Total shareholder yield (dividends + buybacks) is 4.6%. At current prices, the estimated annualized return to fair value is -7.0%.
Bank of Marin Bancorp (BMRC) has a current P/E ratio of 43.0, compared to its historical median P/E of 13.7. The stock is currently considered Expensive based on its historical valuation range.
Bank of Marin Bancorp (BMRC) has a 5-year average return on invested capital (ROIC) of 2.5%. This is below average and may indicate limited pricing power.
Bank of Marin Bancorp (BMRC) has a market capitalization of $425M. It is classified as a small-cap stock.
Yes, Bank of Marin Bancorp (BMRC) pays a dividend with a trailing twelve-month yield of 3.79%. The company also returns capital through share buybacks, with a buyback yield of 0.77%.
Based on historical P/E analysis, Bank of Marin Bancorp (BMRC) appears expensive. The current P/E of 43.0 is 215% above its historical median of 13.7. The estimated fair value CAGR (P/E method) is -16.7%.
Bank of Marin Bancorp (BMRC) operates in the State Commercial Banks industry, within the Financials sector.
Bank of Marin Bancorp (BMRC) reported annual revenue of $76 million in its most recent fiscal year, based on SEC EDGAR filings.
Bank of Marin Bancorp (BMRC) has a net profit margin of -47.1%. The company is currently unprofitable.
Bank of Marin Bancorp (BMRC) generated $37 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Bank of Marin Bancorp (BMRC) has a debt-to-equity ratio of 8.89. This indicates higher leverage, which may increase financial risk.
Bank of Marin Bancorp (BMRC) reported earnings per share (EPS) of $-2.24 in its most recent fiscal year.
Bank of Marin Bancorp (BMRC) has a return on equity (ROE) of -8.6%. A negative ROE may indicate losses or negative equity.
Bank of Marin Bancorp (BMRC) has a 5-year average gross margin of 72.3%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for Bank of Marin Bancorp (BMRC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Bank of Marin Bancorp (BMRC) has a book value per share of $24.78, based on its most recent annual SEC filing.
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