BANK OF MARIN BANCORP/CA (BMRC) Stock Fundamental Analysis
USA - NASDAQ:BMRC - US0634251021 - Common Stock
26.05 USD
+0.37 (+1.44%)
26.05 USD
0 (0%)
Overall BMRC gets a fundamental rating of 4 out of 10. We evaluated BMRC against 390 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. BMRC has a correct valuation and a medium growth rate.
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.
In the past 5 years BMRC always reported a positive cash flow from operatings.
1.2 Ratios
BMRC's Return On Assets of 0.19% is on the low side compared to the rest of the industry. BMRC is outperformed by 86.67% of its industry peers.
The Return On Equity of BMRC (1.58%) is worse 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.
The Operating Margin and Gross Margin are not available for BMRC so they could not be analyzed.
| 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.
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.
The debt/assets ratio for BMRC has been reduced compared to a year ago.
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.
With an excellent Debt to FCF ratio value of 0.00, BMRC belongs to the best of the industry, outperforming 88.97% of the companies in the same industry.
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 87.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.68%
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 158.93% over the past year.
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 -31.97% in the last year.
BMRC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.90% yearly.
EPS 1Y (TTM)158.93%
EPS 3Y-29.7%
EPS 5Y-18.42%
EPS Q2Q%67.86%
Revenue 1Y (TTM)-31.97%
Revenue growth 3Y-13.96%
Revenue growth 5Y-6.9%
Sales Q2Q%16.17%
3.2 Future
BMRC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.69% yearly.
Based on estimates for the next years, BMRC will show a quite strong growth in Revenue. The Revenue will grow by 13.03% on average per year.
EPS Next Y74.76%
EPS Next 2Y50.86%
EPS Next 3Y33.69%
EPS Next 5YN/A
Revenue Next Year13.88%
Revenue Next 2Y15.89%
Revenue Next 3Y13.03%
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
Based on the Price/Earnings ratio of 17.97, the valuation of BMRC can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of BMRC indicates a slightly more expensive valuation: BMRC is more expensive than 78.46% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.03. BMRC is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 12.72, which indicates a correct valuation of BMRC.
69.74% of the companies in the same industry are cheaper than BMRC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BMRC to the average of the S&P500 Index (22.27), we can say BMRC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.97 | ||
| Fwd PE | 12.72 |
4.2 Price Multiples
BMRC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.12 | ||
| EV/EBITDA | N/A |
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 33.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y50.86%
EPS Next 3Y33.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.89%, BMRC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.42, BMRC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, BMRC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.89% |
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
5.3 Sustainability
233.87% 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.
DP233.87%
EPS Next 2Y50.86%
EPS Next 3Y33.69%
26.05
+0.37 (+1.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.4%
Inst Owner Change0.25%
Ins Owners8.96%
Ins Owner Change0.86%
Market Cap420.19M
Revenue(TTM)73.30M
Net Income(TTM)6.91M
Analysts81.67
Price Target28.87 (10.83%)
Short Float %3.32%
Short Ratio6.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.89% |
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)4.81%
PT rev (3m)9.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.97 | ||
| Fwd PE | 12.72 | ||
| P/S | 4.51 | ||
| P/FCF | 13.12 | ||
| P/OCF | 12.52 | ||
| P/B | 0.96 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.45
EY5.57%
EPS(NY)2.05
Fwd EY7.86%
FCF(TTM)1.98
FCFY7.62%
OCF(TTM)2.08
OCFY7.99%
SpS5.78
BVpS27.19
TBVpS22.53
PEG (NY)0.24
PEG (5Y)N/A
Graham Number29.78
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
WACC16.68%
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)158.93%
EPS 3Y-29.7%
EPS 5Y-18.42%
EPS Q2Q%67.86%
EPS Next Y74.76%
EPS Next 2Y50.86%
EPS Next 3Y33.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-31.97%
Revenue growth 3Y-13.96%
Revenue growth 5Y-6.9%
Sales Q2Q%16.17%
Revenue Next Year13.88%
Revenue Next 2Y15.89%
Revenue Next 3Y13.03%
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 74.76% 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 6 / 10 and the dividend payout ratio is 233.87%.