BANK OF MARIN BANCORP/CA (BMRC) Stock Fundamental Analysis
USA - NASDAQ:BMRC - US0634251021 - Common Stock
25.69 USD
+1.22 (+4.99%)
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.
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.
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 Rank | Sector 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
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 Rank | Sector 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
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.39 | ||
| Fwd PE | 13.09 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as BMRC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.94 | ||
| EV/EBITDA | N/A |
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%
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 Rank | Sector 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
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%
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)
Earnings (Next)
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.26% |
Yearly Dividend1
Dividend Growth(5Y)4.66%
DP233.87%
Div Incr Years0
Div Non Decr Years19
Ex-Date
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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%.