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

NASDAQ:BMRC • US0634251021

Current stock price

26.07 USD
+0.43 (+1.68%)
Last:

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

2

1. BMRC Profitability Analysis

1.1 Basic Checks

  • In the past year BMRC was profitable.
  • BMRC had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: BMRC reported negative net income in multiple years.
  • In the past 5 years BMRC always reported a positive cash flow from operatings.
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 worse Return On Assets (-0.91%) than 94.95% of its industry peers.
  • BMRC has a Return On Equity of -9.04%. This is amonst the worse of the industry: BMRC underperforms 94.41% of its industry peers.
Industry RankSector Rank
ROA -0.91%
ROE -9.04%
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

  • BMRC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -50 -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.
  • The number of shares outstanding for BMRC remains at a similar level compared to 1 year ago.
  • BMRC has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, BMRC has a worse debt to assets ratio.
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

  • BMRC has a debt to FCF ratio of 1.20. This is a very positive value and a sign of high solvency as it would only need 1.20 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.20, BMRC is in the better half of the industry, outperforming 61.70% of the companies in the same industry.
  • A Debt/Equity ratio of 0.11 indicates that BMRC is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.11, BMRC is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC16.4%
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 85.29% over the past year.
  • Measured over the past years, BMRC shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.30% on average per year.
  • BMRC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -59.91%.
  • The Revenue for BMRC have been decreasing by -22.53% on average. This is quite bad
EPS 1Y (TTM)85.29%
EPS 3Y-17.16%
EPS 5Y-5.3%
EPS Q2Q%76.67%
Revenue 1Y (TTM)-59.91%
Revenue growth 3Y-40.34%
Revenue growth 5Y-22.53%
Sales Q2Q%37.46%

3.2 Future

  • BMRC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.73% yearly.
  • Based on estimates for the next years, BMRC will show a quite strong growth in Revenue. The Revenue will grow by 15.64% on average per year.
EPS Next Y44.84%
EPS Next 2Y25.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year26.01%
Revenue Next 2Y15.64%
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
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 13.79, BMRC is valued correctly.
  • 64.63% of the companies in the same industry are cheaper than BMRC, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, BMRC is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 9.93, the valuation of BMRC can be described as very reasonable.
  • BMRC's Price/Forward Earnings ratio is in line with the industry average.
  • BMRC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.75.
Industry RankSector Rank
PE 13.79
Fwd PE 9.93
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

  • Based on the Price/Free Cash Flow ratio, BMRC is valued a bit cheaper than 62.77% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.29
EV/EBITDA N/A
BMRC Per share dataBMRC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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 25.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
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 3.92%.
  • BMRC's Dividend Yield is rather good when compared to the industry average which is at 2.55. BMRC pays more dividend than 85.11% of the companies in the same industry.
  • BMRC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.92%

5.2 History

  • The dividend of BMRC has a limited annual growth rate of 1.65%.
  • BMRC has paid a dividend for at least 10 years, which is 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)1.65%
Div Incr Years0
Div Non Decr Years20
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

  • BMRC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of BMRC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-45.2%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

BMRC Fundamentals: All Metrics, Ratios and Statistics

BANK OF MARIN BANCORP/CA

NASDAQ:BMRC (5/1/2026, 12:47:53 PM)

26.07

+0.43 (+1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.93
Earnings (Last)04-27
Earnings (Next)07-27
Inst Owners64.8%
Inst Owner Change-0.08%
Ins Owners9.3%
Ins Owner Change9.82%
Market Cap420.51M
Revenue(TTM)29.39M
Net Income(TTM)-35.67M
Analysts80
Price Target30.8 (18.14%)
Short Float %4.55%
Short Ratio6.4
Dividend
Industry RankSector Rank
Dividend Yield 3.92%
Yearly Dividend1
Dividend Growth(5Y)1.65%
DP-45.2%
Div Incr Years0
Div Non Decr Years20
Ex-Date02-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.9%
Min EPS beat(2)8.8%
Max EPS beat(2)15%
EPS beat(4)2
Avg EPS beat(4)0.69%
Min EPS beat(4)-14.4%
Max EPS beat(4)15%
EPS beat(8)4
Avg EPS beat(8)-9.68%
EPS beat(12)5
Avg EPS beat(12)-17.59%
EPS beat(16)7
Avg EPS beat(16)-12.96%
Revenue beat(2)1
Avg Revenue beat(2)0.22%
Min Revenue beat(2)-0.68%
Max Revenue beat(2)1.13%
Revenue beat(4)1
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-5.18%
Max Revenue beat(4)1.13%
Revenue beat(8)1
Avg Revenue beat(8)-4.05%
Revenue beat(12)1
Avg Revenue beat(12)-4.38%
Revenue beat(16)5
Avg Revenue beat(16)-1.74%
PT rev (1m)-1.39%
PT rev (3m)1.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.43%
EPS NY rev (1m)0.79%
EPS NY rev (3m)8.47%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)10.38%
Revenue NY rev (1m)-0.54%
Revenue NY rev (3m)8.44%
Valuation
Industry RankSector Rank
PE 13.79
Fwd PE 9.93
P/S 14.31
P/FCF 11.29
P/OCF 10.76
P/B 1.07
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)1.89
EY7.25%
EPS(NY)2.62
Fwd EY10.07%
FCF(TTM)2.31
FCFY8.86%
OCF(TTM)2.42
OCFY9.29%
SpS1.82
BVpS24.47
TBVpS19.84
PEG (NY)0.31
PEG (5Y)N/A
Graham Number32.2562 (23.73%)
Profitability
Industry RankSector Rank
ROA -0.91%
ROE -9.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 126.78%
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-Score3
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.2
Debt/EBITDA N/A
Cap/Depr 85.04%
Cap/Sales 6.19%
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-Score3
WACC16.4%
ROIC/WACCN/A
Cap/Depr(3y)52.36%
Cap/Depr(5y)52.27%
Cap/Sales(3y)2.84%
Cap/Sales(5y)2.21%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)85.29%
EPS 3Y-17.16%
EPS 5Y-5.3%
EPS Q2Q%76.67%
EPS Next Y44.84%
EPS Next 2Y25.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-59.91%
Revenue growth 3Y-40.34%
Revenue growth 5Y-22.53%
Sales Q2Q%37.46%
Revenue Next Year26.01%
Revenue Next 2Y15.64%
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 1Y33.8%
FCF growth 3Y-11.09%
FCF growth 5Y-1.35%
OCF growth 1Y37.76%
OCF growth 3Y-10.92%
OCF growth 5Y-0.88%

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 4 / 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.


Can you provide the profitability details for BANK OF MARIN BANCORP/CA?

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


Can you provide the financial health for BMRC stock?

The financial health rating of BANK OF MARIN BANCORP/CA (BMRC) is 3 / 10.


Can you provide the expected EPS growth for BMRC stock?

The Earnings per Share (EPS) of BANK OF MARIN BANCORP/CA (BMRC) is expected to grow by 44.84% in the next year.