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BANK OF MARIN BANCORP/CA (BMRC) Stock Fundamental Analysis

USA - NASDAQ:BMRC - US0634251021 - Common Stock

25.69 USD
+1.22 (+4.99%)
Last: 10/27/2025, 12:11:37 PM
Fundamental Rating

4

Overall BMRC gets a fundamental rating of 4 out of 10. We evaluated BMRC against 390 industry peers in the Banks industry. The financial health of BMRC is average, but there are quite some concerns on its profitability. BMRC has a correct valuation and a medium growth rate. BMRC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

In the past year BMRC was profitable.
In the past year BMRC had a positive cash flow from operations.
Of the past 5 years BMRC 4 years were profitable.
Each year in the past 5 years BMRC had a positive operating cash flow.
BMRC Yearly Net Income VS EBIT VS OCF VS FCFBMRC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

1.2 Ratios

The Return On Assets of BMRC (0.19%) is worse than 86.67% of its industry peers.
BMRC has a worse Return On Equity (1.58%) than 86.67% of its industry peers.
Industry RankSector Rank
ROA 0.19%
ROE 1.58%
ROIC N/A
ROA(3y)0.47%
ROA(5y)0.65%
ROE(3y)4.64%
ROE(5y)5.94%
ROIC(3y)N/A
ROIC(5y)N/A
BMRC Yearly ROA, ROE, ROICBMRC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

1.3 Margins

BMRC has a Profit Margin of 7.41%. This is amonst the worse of the industry: BMRC underperforms 86.41% of its industry peers.
BMRC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 7.41%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BMRC Yearly Profit, Operating, Gross MarginsBMRC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

4

2. Health

2.1 Basic Checks

BMRC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BMRC has been reduced compared to 1 year ago.
Compared to 5 years ago, BMRC has more shares outstanding
BMRC has a better debt/assets ratio than last year.
BMRC Yearly Shares OutstandingBMRC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
BMRC Yearly Total Debt VS Total AssetsBMRC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

BMRC has a debt to FCF ratio of 0.00. This is a very positive value and a sign of high solvency as it would only need 0.00 years to pay back of all of its debts.
BMRC's Debt to FCF ratio of 0.00 is amongst the best of the industry. BMRC outperforms 89.23% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that BMRC is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.00, BMRC belongs to the best of the industry, outperforming 87.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC17.06%
BMRC Yearly LT Debt VS Equity VS FCFBMRC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BMRC Yearly Current Assets VS Current LiabilitesBMRC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 106.56% over the past year.
Measured over the past years, BMRC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -18.42% on average per year.
BMRC shows a strong growth in Revenue. In the last year, the Revenue has grown by 40.84%.
Measured over the past years, BMRC shows a decrease in Revenue. The Revenue has been decreasing by -6.90% on average per year.
EPS 1Y (TTM)106.56%
EPS 3Y-29.7%
EPS 5Y-18.42%
EPS Q2Q%400%
Revenue 1Y (TTM)40.84%
Revenue growth 3Y-13.96%
Revenue growth 5Y-6.9%
Sales Q2Q%15.33%

3.2 Future

BMRC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.51% yearly.
Based on estimates for the next years, BMRC will show a quite strong growth in Revenue. The Revenue will grow by 11.05% on average per year.
EPS Next Y64.52%
EPS Next 2Y47.69%
EPS Next 3Y28.51%
EPS Next 5YN/A
Revenue Next Year13.13%
Revenue Next 2Y12.68%
Revenue Next 3Y11.05%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BMRC Yearly Revenue VS EstimatesBMRC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
BMRC Yearly EPS VS EstimatesBMRC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2

4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 20.39 indicates a rather expensive valuation of BMRC.
Based on the Price/Earnings ratio, BMRC is valued a bit more expensive than the industry average as 79.23% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of BMRC to the average of the S&P500 Index (26.89), we can say BMRC is valued slightly cheaper.
BMRC is valuated correctly with a Price/Forward Earnings ratio of 13.09.
Based on the Price/Forward Earnings ratio, BMRC is valued a bit more expensive than 68.46% of the companies in the same industry.
BMRC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.99, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.39
Fwd PE 13.09
BMRC Price Earnings VS Forward Price EarningsBMRC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as BMRC.
Industry RankSector Rank
P/FCF 12.94
EV/EBITDA N/A
BMRC Per share dataBMRC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

BMRC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BMRC's earnings are expected to grow with 28.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y47.69%
EPS Next 3Y28.51%

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.26%, BMRC is a good candidate for dividend investing.
BMRC's Dividend Yield is a higher than the industry average which is at 3.53.
Compared to an average S&P500 Dividend Yield of 2.31, BMRC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.26%

5.2 History

The dividend of BMRC has a limited annual growth rate of 4.66%.
BMRC has paid a dividend for at least 10 years, which is a reliable track record.
BMRC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.66%
Div Incr Years0
Div Non Decr Years19
BMRC Yearly Dividends per shareBMRC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

BMRC pays out 233.87% of its income as dividend. This is not a sustainable payout ratio.
The dividend of BMRC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP233.87%
EPS Next 2Y47.69%
EPS Next 3Y28.51%
BMRC Yearly Income VS Free CF VS DividendBMRC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M
BMRC Dividend Payout.BMRC Dividend Payout, showing the Payout Ratio.BMRC Dividend Payout.PayoutRetained Earnings

BANK OF MARIN BANCORP/CA

NASDAQ:BMRC (10/27/2025, 12:11:37 PM)

25.69

+1.22 (+4.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28/bmo
Earnings (Next)10-27 2025-10-27/bmo
Inst Owners63.4%
Inst Owner Change0.16%
Ins Owners8.96%
Ins Owner Change0.86%
Market Cap414.38M
Revenue(TTM)93.25M
Net Income(TTM)6.91M
Analysts81.67
Price Target27.54 (7.2%)
Short Float %3.32%
Short Ratio6.67
Dividend
Industry RankSector Rank
Dividend Yield 4.26%
Yearly Dividend1
Dividend Growth(5Y)4.66%
DP233.87%
Div Incr Years0
Div Non Decr Years19
Ex-Date08-07 2025-08-07 (0.25)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.52%
Min EPS beat(2)-14.4%
Max EPS beat(2)-6.63%
EPS beat(4)2
Avg EPS beat(4)-0.61%
Min EPS beat(4)-14.4%
Max EPS beat(4)14.98%
EPS beat(8)3
Avg EPS beat(8)-23.4%
EPS beat(12)4
Avg EPS beat(12)-19.54%
EPS beat(16)7
Avg EPS beat(16)-5.3%
Revenue beat(2)0
Avg Revenue beat(2)-3.98%
Min Revenue beat(2)-5.18%
Max Revenue beat(2)-2.77%
Revenue beat(4)0
Avg Revenue beat(4)-4.72%
Min Revenue beat(4)-6.4%
Max Revenue beat(4)-2.77%
Revenue beat(8)0
Avg Revenue beat(8)-5.32%
Revenue beat(12)2
Avg Revenue beat(12)-3.53%
Revenue beat(16)6
Avg Revenue beat(16)-0.42%
PT rev (1m)0%
PT rev (3m)4.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.51%
Valuation
Industry RankSector Rank
PE 20.39
Fwd PE 13.09
P/S 4.44
P/FCF 12.94
P/OCF 12.35
P/B 0.94
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)1.26
EY4.9%
EPS(NY)1.96
Fwd EY7.64%
FCF(TTM)1.98
FCFY7.73%
OCF(TTM)2.08
OCFY8.1%
SpS5.78
BVpS27.19
TBVpS22.53
PEG (NY)0.32
PEG (5Y)N/A
Graham Number27.76
Profitability
Industry RankSector Rank
ROA 0.19%
ROE 1.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.41%
GM N/A
FCFM 34.33%
ROA(3y)0.47%
ROA(5y)0.65%
ROE(3y)4.64%
ROE(5y)5.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 68.45%
Cap/Sales 1.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 463.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.06%
ROIC/WACCN/A
Cap/Depr(3y)46.73%
Cap/Depr(5y)41.79%
Cap/Sales(3y)1.32%
Cap/Sales(5y)1.16%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)106.56%
EPS 3Y-29.7%
EPS 5Y-18.42%
EPS Q2Q%400%
EPS Next Y64.52%
EPS Next 2Y47.69%
EPS Next 3Y28.51%
EPS Next 5YN/A
Revenue 1Y (TTM)40.84%
Revenue growth 3Y-13.96%
Revenue growth 5Y-6.9%
Sales Q2Q%15.33%
Revenue Next Year13.13%
Revenue Next 2Y12.68%
Revenue Next 3Y11.05%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-40.08%
FCF growth 3Y-14.28%
FCF growth 5Y-7.17%
OCF growth 1Y-41.29%
OCF growth 3Y-14.42%
OCF growth 5Y-7.07%

BANK OF MARIN BANCORP/CA / BMRC FAQ

What is the ChartMill fundamental rating of BANK OF MARIN BANCORP/CA (BMRC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BMRC.


What is the valuation status for BMRC stock?

ChartMill assigns a valuation rating of 4 / 10 to BANK OF MARIN BANCORP/CA (BMRC). This can be considered as Fairly Valued.


How profitable is BANK OF MARIN BANCORP/CA (BMRC) stock?

BANK OF MARIN BANCORP/CA (BMRC) has a profitability rating of 2 / 10.


What is the earnings growth outlook for BANK OF MARIN BANCORP/CA?

The Earnings per Share (EPS) of BANK OF MARIN BANCORP/CA (BMRC) is expected to grow by 64.52% in the next year.


How sustainable is the dividend of BANK OF MARIN BANCORP/CA (BMRC) stock?

The dividend rating of BANK OF MARIN BANCORP/CA (BMRC) is 7 / 10 and the dividend payout ratio is 233.87%.