BANK OF MARIN BANCORP/CA (BMRC) Fundamental Analysis & Valuation

NASDAQ:BMRC • US0634251021

Current stock price

24.04 USD
+0.14 (+0.59%)
At close:
24.04 USD
0 (0%)
After Hours:

This BMRC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. BMRC Profitability Analysis

1.1 Basic Checks

  • In the past year BMRC was profitable.
  • In the past year BMRC had a positive cash flow from operations.
  • In multiple years BMRC reported negative net income over the last 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M

1.2 Ratios

  • BMRC has a Return On Assets of 0.26%. This is amonst the worse of the industry: BMRC underperforms 87.40% of its industry peers.
  • Looking at the Return On Equity, with a value of 2.22%, BMRC is doing worse than 87.66% of the companies in the same industry.
Industry RankSector Rank
ROA 0.26%
ROE 2.22%
ROIC N/A
ROA(3y)-0.21%
ROA(5y)0.26%
ROE(3y)-2.15%
ROE(5y)2.45%
ROIC(3y)N/A
ROIC(5y)N/A
BMRC Yearly ROA, ROE, ROICBMRC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • The Profit Margin of BMRC (10.17%) is worse than 84.51% of its industry peers.
  • The Operating Margin and Gross Margin are not available for BMRC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.17%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40 -60 -80 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. BMRC Health Analysis

2.1 Basic Checks

  • BMRC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BMRC has about the same amount of shares outstanding.
  • The number of shares outstanding for BMRC has been increased compared to 5 years ago.
  • The debt/assets ratio for BMRC is higher compared to a year ago.
BMRC Yearly Shares OutstandingBMRC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
BMRC Yearly Total Debt VS Total AssetsBMRC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of BMRC is 0.00, which is an excellent value as it means it would take BMRC, only 0.00 years of fcf income to pay off all of its debts.
  • BMRC has a better Debt to FCF ratio (0.00) than 90.55% of its industry peers.
  • BMRC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of BMRC (0.00) is better than 88.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC17.47%
BMRC Yearly LT Debt VS Equity VS FCFBMRC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BMRC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 84.44% over the past year.
  • BMRC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.30% yearly.
  • The Revenue for BMRC has decreased by -54.19% in the past year. This is quite bad
  • Measured over the past years, BMRC shows a very negative growth in Revenue. The Revenue has been decreasing by -20.43% on average per year.
EPS 1Y (TTM)84.44%
EPS 3Y-17.16%
EPS 5Y-5.3%
EPS Q2Q%55.26%
Revenue 1Y (TTM)-54.19%
Revenue growth 3Y-37.63%
Revenue growth 5Y-20.43%
Sales Q2Q%23.59%

3.2 Future

  • Based on estimates for the next years, BMRC will show a very strong growth in Earnings Per Share. The EPS will grow by 25.73% on average per year.
  • BMRC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.64% yearly.
EPS Next Y43.7%
EPS Next 2Y25.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.71%
Revenue Next 2Y16.64%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
BMRC Yearly EPS VS EstimatesBMRC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2

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5

4. BMRC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.48, BMRC is valued correctly.
  • Based on the Price/Earnings ratio, BMRC is valued a bit more expensive than 72.70% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.96. BMRC is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 10.08 indicates a reasonable valuation of BMRC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BMRC is on the same level as its industry peers.
  • BMRC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.48
Fwd PE 10.08
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

  • BMRC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.28
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.
  • BMRC's earnings are expected to grow with 25.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y25.73%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. BMRC Dividend Analysis

5.1 Amount

  • BMRC has a Yearly Dividend Yield of 4.17%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.90, BMRC pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, BMRC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.17%

5.2 History

  • The dividend of BMRC has a limited annual growth rate of 4.66%.
  • 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)4.66%
Div Incr Years0
Div Non Decr Years19
BMRC Yearly Dividends per shareBMRC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 163.40% of the earnings are spent on dividend by BMRC. This is not a sustainable payout ratio.
  • BMRC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP163.4%
EPS Next 2Y25.73%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M
BMRC Dividend Payout.BMRC Dividend Payout, showing the Payout Ratio.BMRC Dividend Payout.PayoutRetained Earnings

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BMRC Fundamentals: All Metrics, Ratios and Statistics

BANK OF MARIN BANCORP/CA

NASDAQ:BMRC (3/16/2026, 8:10:10 PM)

After market: 24.04 0 (0%)

24.04

+0.14 (+0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners64.77%
Inst Owner Change-1.11%
Ins Owners8.99%
Ins Owner Change12.86%
Market Cap387.04M
Revenue(TTM)33.58M
Net Income(TTM)9.87M
Analysts80
Price Target31.24 (29.95%)
Short Float %4.3%
Short Ratio6.12
Dividend
Industry RankSector Rank
Dividend Yield 4.17%
Yearly Dividend1
Dividend Growth(5Y)4.66%
DP163.4%
Div Incr Years0
Div Non Decr Years19
Ex-Date02-05
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.8%
Min EPS beat(2)-14.4%
Max EPS beat(2)8.8%
EPS beat(4)2
Avg EPS beat(4)0.69%
Min EPS beat(4)-14.4%
Max EPS beat(4)14.98%
EPS beat(8)3
Avg EPS beat(8)-22.52%
EPS beat(12)4
Avg EPS beat(12)-18.86%
EPS beat(16)7
Avg EPS beat(16)-13.86%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)-0.68%
Revenue beat(4)0
Avg Revenue beat(4)-3.76%
Min Revenue beat(4)-6.4%
Max Revenue beat(4)-0.68%
Revenue beat(8)0
Avg Revenue beat(8)-4.95%
Revenue beat(12)1
Avg Revenue beat(12)-4.22%
Revenue beat(16)5
Avg Revenue beat(16)-1.35%
PT rev (1m)0%
PT rev (3m)4.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.43%
EPS NY rev (1m)0%
EPS NY rev (3m)12.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.81%
Revenue NY rev (1m)-0.96%
Revenue NY rev (3m)11.26%
Valuation
Industry RankSector Rank
PE 14.48
Fwd PE 10.08
P/S 3.99
P/FCF 11.28
P/OCF 10.7
P/B 0.87
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)1.66
EY6.91%
EPS(NY)2.39
Fwd EY9.92%
FCF(TTM)2.13
FCFY8.87%
OCF(TTM)2.25
OCFY9.35%
SpS6.03
BVpS27.57
TBVpS22.92
PEG (NY)0.33
PEG (5Y)N/A
Graham Number32.09
Profitability
Industry RankSector Rank
ROA 0.26%
ROE 2.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.17%
GM N/A
FCFM 35.36%
ROA(3y)-0.21%
ROA(5y)0.26%
ROE(3y)-2.15%
ROE(5y)2.45%
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 85.37%
Cap/Sales 1.91%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 347.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.47%
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)84.44%
EPS 3Y-17.16%
EPS 5Y-5.3%
EPS Q2Q%55.26%
EPS Next Y43.7%
EPS Next 2Y25.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-54.19%
Revenue growth 3Y-37.63%
Revenue growth 5Y-20.43%
Sales Q2Q%23.59%
Revenue Next Year27.71%
Revenue Next 2Y16.64%
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 1Y89.84%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y96.15%
OCF growth 3YN/A
OCF growth 5YN/A

BANK OF MARIN BANCORP/CA / BMRC Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to BMRC.


What is the valuation status of BANK OF MARIN BANCORP/CA (BMRC) stock?

ChartMill assigns a valuation rating of 5 / 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 1 / 10.


What is the valuation of BANK OF MARIN BANCORP/CA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BANK OF MARIN BANCORP/CA (BMRC) is 14.48 and the Price/Book (PB) ratio is 0.87.


Is the dividend of BANK OF MARIN BANCORP/CA sustainable?

The dividend rating of BANK OF MARIN BANCORP/CA (BMRC) is 7 / 10 and the dividend payout ratio is 163.4%.