Bank of Marin Bancorp

Bank of Marin Bancorp

BMRCยทNASDAQ

$25.09

-2.6%
Financial ServicesBanks - Regional

Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, professionals, not-for-profit organizations, and individuals in California, the United States. It offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry and insured cash sweep services. The company also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, it offers merchant and payroll, and cash management services; credit cards; fraud detection tools; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, the company provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. It operates through 12 branch offices in Marin, southern Sonoma counties, and north of San Francisco, California; and a loan production office in San Francisco. The company was incorporated in 1989 and is headquartered in Novato, California.

At a Glance

Live Snapshot
Market Cap$406.12M
EPS2.7400
P/E Ratio9.16
Earnings Date07/27/2026
3Y-29.0%
5Y-4.0%
10Y+54.0%
3Y-21.0%
5Y-1.0%
10Y-807.0%
3Y-258.0%
5Y+48.0%
10Y-909.0%
BMRC

Bank of Marin Bancorp Cash Conversion Engine

BMRC ยท NASDAQ
Net Income43.41M
Depreciation & Amortization1.61M
Stock-Based Compensation469.00K
Change in Working Capital-16.59M
Others10.18M
Capital Expenditures-1.82M
Free Cash Flow36.95M

Cash Flow Quality Analysis

FCF Conversion Rate

85.1%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

4.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+32.7%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$16.59M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Bank of Marin Bancorp Cash Flow Statement

BMRC โ€ข NASDAQ

Bank of Marin Bancorp Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
43.4M
-8.4M
19.9M
46.6M
33.2M
30.2M
34.2M
32.6M
16M
23.1M
18.4M
19.8M
14.3M
17.8M
15.6M
13.6M
12.8M
12.2M
12.3M
11.9M
1.6M
2.4M
3.4M
3.3M
2.9M
3M
3.1M
3.1M
2.5M
2.4M
2.6M
2.4M
1.5M
1.4M
2M
1.3M
1.4M
1.3M
1.4M
1.5M
469K
1.8M
1.8M
2.2M
2.3M
2.5M
2.8M
2.8M
2.6M
1.2M
910K
716K
618K
617K
577K
550K
613K
681K
0.0
0.0
10.2M
39.1M
12.3M
5.6M
-982K
10.8M
1.1M
1.5M
5.1M
-1.2M
259K
-1.3M
-81K
1.2M
2.1M
5.7M
5.7M
4.6M
-187K
942K
(429K)
(2.2M)
(8.4M)
(13.7M)
(12.4M)
(13.1M)
(12.7M)
(8.4M)
(9.8M)
(13.4M)
(9.1M)
(11.3M)
(9.2M)
(11.4M)
(9.2M)
(7.6M)
(8.6M)
(9M)
(0.0)
(0.0)
-16.6M
-6.5M
-1.8M
-2.5M
7.8M
-5.7M
-259K
2.1M
745K
3K
1.5M
-2.6M
4.9M
-179K
2.1M
2.3M
-6.5M
2.7M
-2M
-611K
39.1M
28.4M
35.7M
55.3M
45.3M
40.8M
40.9M
42.1M
26.9M
25.4M
23.7M
18.9M
21.2M
20.8M
22.4M
23.5M
14M
21.5M
11.6M
13.7M
INVESTING ACTIVITIES
(0.0)
-520K
-1.7M
-2.3M
-1M
-981K
-542K
-907K
-1.4M
-1M
-1.4M
-2.3M
-958K
-1.2M
-2.5M
-1.7M
-1.1M
-1.8M
-621K
-3.9M
(0.0)
(0.0)
(0.0)
(0.0)
(140.6M)
(0.0)
(0.0)
(0.0)
(59.8M)
(0.0)
(0.0)
(0.0)
(15.8M)
(0.0)
(44M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-1.1B
-163.8M
-42K
-563.4M
-926M
-98.9M
-115.4M
-238.3M
-124.1M
-164.1M
-290.2M
-18.7M
-86.4M
-160.7M
-119.5M
-56M
-66.5M
-65.5M
-137.8M
-11.6M
941.4M
370.4M
315.1M
187.9M
188.4M
176.9M
175.1M
98.5M
130.3M
225.4M
115.1M
67.7M
59.3M
60.5M
70.4M
38.2M
41.9M
61.3M
127.4M
30.7M
-44.6M
-10.9M
21.4M
159.7M
257.4M
-250.5M
-79.9M
-84.6M
-56.8M
-35.9M
-86.8M
-89.4M
-24.7M
-43.5M
-27M
-26.6M
-34.2M
-165.5M
-7.6M
-34.6M
-172M
(195.2M)
(334.7M)
-218.1M
-340.7M
-173.4M
-20.8M
-225.3M
(7.8M)
(24.3M)
-263.3M
-42.7M
-36.9M
-144.9M
-34.9M
-46.3M
-59.9M
-171.5M
-18.6M
-19.4M
FINANCING ACTIVITIES
-3.3M
-4.3M
-70K
-1.3M
-40.9M
-6.9M
-15.1M
-6.9M
0.0
0.0
0.0
0.0
0.0
0.0
33K
17K
24K
-2.5M
-11.9M
733K
44.9M
-26.2M
-86.1M
111.9M
-18.1M
-172K
-7.2M
2.9M
0.0
-67M
52M
0.0
0.0
-25M
-33.5M
0.0
0.0
56.8M
-39.4M
8.4M
-16.1M
-16.2M
-16.1M
-15.7M
-13.1M
-12.5M
-11M
-8.9M
-6.9M
-6.2M
-5.4M
-4.7M
-4M
-3.8M
-3.5M
-3.2M
-3.4M
-2.9M
-2.6M
-2.4M
-3.3M
-4.3M
-70K
-1.3M
-40.9M
-6.9M
-15.1M
-6.9M
-60K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-2.5M
-13.5M
(0.0)
195.4M
-70M
-283M
-234.3M
514.9M
169.1M
162.4M
26.8M
126.9M
45.9M
178M
-33.9M
95.1M
51.4M
94M
72.7M
91M
20.2M
98.5M
15.5M
220.9M
-116.7M
-385.3M
-139.4M
442.7M
149.5M
129M
13.9M
120M
-27.3M
224.6M
-38.6M
91.2M
22.7M
57.1M
69.5M
59.6M
98.7M
44.6M
22.2M
CASH FLOW SUMMARY
88M
106.9M
-15M
-302.2M
147.3M
16.9M
149.2M
-169.3M
154.7M
22.5M
-15M
-62.4M
75.4M
-101.4M
44.5M
46.6M
13.7M
-51.3M
37.5M
16.5M
137.3M
30.5M
45.4M
347.6M
200.3M
183.4M
34.2M
203.5M
48.8M
26.3M
41.4M
103.8M
28.3M
129.7M
85.2M
38.7M
24.9M
76.3M
38.8M
22.3M
225.3M
137.3M
30.5M
45.4M
347.6M
200.3M
183.4M
34.2M
203.5M
48.8M
26.3M
41.4M
103.8M
28.3M
129.7M
85.2M
38.7M
24.9M
76.3M
38.8M
37M
27.8M
33.9M
53M
44.2M
39.9M
40.4M
41.2M
25.5M
24.4M
22.3M
16.5M
20.2M
19.6M
19.9M
21.8M
12.9M
19.7M
10.9M
9.8M

SEC Filings

BMRC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

June 01, 2026
May 27, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 22, 2026
May 27, 2026
2026
8-K

8-K 2026

N/A

April 02, 2026
April 02, 2026
2026
8-K

8-K 2026

N/A

March 18, 2026
March 18, 2026
2026
10-K

10-K 2025 FY

FY

March 13, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 10, 2026
March 10, 2026
2026
8-K

8-K 2026

N/A

February 24, 2026
February 24, 2026
2026
8-K

8-K 2026

N/A

February 24, 2026
February 23, 2026
2026
Showing 1 to 10 of 443 filings