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

NASDAQ:BMRC - Nasdaq - US0634251021 - Common Stock - Currency: USD

19.7  -0.59 (-2.91%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BMRC. BMRC was compared to 398 industry peers in the Banks industry. BMRC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, BMRC is valued expensive at the moment. Finally BMRC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BMRC had positive earnings in the past year.
BMRC had a positive operating cash flow in the past year.
BMRC had positive earnings in 4 of the past 5 years.
BMRC had a positive operating cash flow in 4 of the past 5 years.
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

With a Return On Assets value of -0.36%, BMRC is not doing good in the industry: 94.72% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -3.16%, BMRC is doing worse than 93.97% of the companies in the same industry.
Industry RankSector Rank
ROA -0.36%
ROE -3.16%
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

The Profit Margin and Operating Margin and Gross Margin are not available for BMRC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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

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4

2. Health

2.1 Basic Checks

BMRC does not have a ROIC to compare to the WACC, probably because it is not profitable.
BMRC has less shares outstanding than it did 1 year ago.
The number of shares outstanding for BMRC has been increased compared to 5 years ago.
BMRC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 0.01. This is a very positive value and a sign of high solvency as it would only need 0.01 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.01, BMRC belongs to the top of the industry, outperforming 91.46% of the companies in the same industry.
A Debt/Equity ratio of 0.00 indicates that BMRC is not too dependend on debt financing.
BMRC has a better Debt to Equity ratio (0.00) than 89.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z N/A
ROIC/WACCN/A
WACC13.82%
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

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4

3. Growth

3.1 Past

BMRC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.42%.
BMRC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -18.42% yearly.
Looking at the last year, BMRC shows a very negative growth in Revenue. The Revenue has decreased by -31.98% in the last year.
The Revenue has been decreasing by -6.90% on average over the past years.
EPS 1Y (TTM)-27.42%
EPS 3Y-29.7%
EPS 5Y-18.42%
EPS Q2Q%850%
Revenue 1Y (TTM)-31.98%
Revenue growth 3Y-13.96%
Revenue growth 5Y-6.9%
Sales Q2Q%3.98%

3.2 Future

The Earnings Per Share is expected to grow by 45.18% on average over the next years. This is a very strong growth
BMRC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.04% yearly.
EPS Next Y71.62%
EPS Next 2Y45.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.46%
Revenue Next 2Y12.04%
Revenue Next 3YN/A
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 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 0 1 2

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 21.89, the valuation of BMRC can be described as rather expensive.
Based on the Price/Earnings ratio, BMRC is valued more expensive than 81.66% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. BMRC is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 12.75, the valuation of BMRC can be described as correct.
Based on the Price/Forward Earnings ratio, BMRC is valued a bit more expensive than 68.34% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, BMRC is valued a bit cheaper.
Industry RankSector Rank
PE 21.89
Fwd PE 12.75
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

70.85% of the companies in the same industry are cheaper than BMRC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.66
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BMRC's earnings are expected to grow with 45.18% in the coming years.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y45.18%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

BMRC has a Yearly Dividend Yield of 4.93%, which is a nice return.
BMRC's Dividend Yield is rather good when compared to the industry average which is at 3.66. BMRC pays more dividend than 81.91% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, BMRC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.93%

5.2 History

On average, the dividend of BMRC grows each year by 9.31%, which is quite nice.
BMRC has been paying a dividend for at least 10 years, so it has a reliable track record.
BMRC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.31%
Div Incr Years18
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

The earnings of BMRC are negative and hence is the payout ratio. BMRC will probably not be able to sustain this dividend level.
BMRC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-117.49%
EPS Next 2Y45.18%
EPS Next 3YN/A
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

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BANK OF MARIN BANCORP/CA

NASDAQ:BMRC (4/21/2025, 2:30:31 PM)

19.7

-0.59 (-2.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2025-01-27/bmo
Earnings (Next)04-28 2025-04-28/bmo
Inst Owners59.2%
Inst Owner Change0.11%
Ins Owners8.41%
Ins Owner Change16.21%
Market Cap319.14M
Analysts81.67
Price Target28.97 (47.06%)
Short Float %3.9%
Short Ratio9.13
Dividend
Industry RankSector Rank
Dividend Yield 4.93%
Yearly Dividend1
Dividend Growth(5Y)9.31%
DP-117.49%
Div Incr Years18
Div Non Decr Years19
Ex-Date02-06 2025-02-06 (0.25)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-31.42%
Min EPS beat(2)-66.42%
Max EPS beat(2)3.59%
EPS beat(4)1
Avg EPS beat(4)-45.73%
Min EPS beat(4)-87.76%
Max EPS beat(4)3.59%
EPS beat(8)2
Avg EPS beat(8)-28.64%
EPS beat(12)5
Avg EPS beat(12)-18.71%
EPS beat(16)9
Avg EPS beat(16)-1.06%
Revenue beat(2)0
Avg Revenue beat(2)-4.02%
Min Revenue beat(2)-4.52%
Max Revenue beat(2)-3.52%
Revenue beat(4)0
Avg Revenue beat(4)-6.14%
Min Revenue beat(4)-10.46%
Max Revenue beat(4)-3.52%
Revenue beat(8)1
Avg Revenue beat(8)-4.45%
Revenue beat(12)5
Avg Revenue beat(12)-0.54%
Revenue beat(16)8
Avg Revenue beat(16)0.77%
PT rev (1m)-0.7%
PT rev (3m)2.9%
EPS NQ rev (1m)0.52%
EPS NQ rev (3m)0.52%
EPS NY rev (1m)-0.42%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)2.38%
Revenue NQ rev (3m)2.38%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)0.8%
Valuation
Industry RankSector Rank
PE 21.89
Fwd PE 12.75
P/S 4.81
P/FCF 17.66
P/OCF 17.31
P/B 0.73
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)0.9
EY4.57%
EPS(NY)1.54
Fwd EY7.84%
FCF(TTM)1.12
FCFY5.66%
OCF(TTM)1.14
OCFY5.78%
SpS4.09
BVpS26.97
TBVpS22.29
PEG (NY)0.31
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.36%
ROE -3.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 27.26%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA N/A
Cap/Depr 14.14%
Cap/Sales 0.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC13.82%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-27.42%
EPS 3Y-29.7%
EPS 5Y-18.42%
EPS Q2Q%850%
EPS Next Y71.62%
EPS Next 2Y45.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-31.98%
Revenue growth 3Y-13.96%
Revenue growth 5Y-6.9%
Sales Q2Q%3.98%
Revenue Next Year14.46%
Revenue Next 2Y12.04%
Revenue Next 3YN/A
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-62.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-63.98%
OCF growth 3YN/A
OCF growth 5YN/A