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Bank of Marin Bancorp BMRC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 20.47
2.2 %
$ 330 M
Market Cap
-39.37
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one BMRC stock under the worst case scenario is HIDDEN Compared to the current market price of 20.5 USD, Bank of Marin Bancorp is HIDDEN

BMRC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one BMRC stock under the base case scenario is HIDDEN Compared to the current market price of 20.5 USD, Bank of Marin Bancorp is HIDDEN

BMRC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one BMRC stock under the best case scenario is HIDDEN Compared to the current market price of 20.5 USD, Bank of Marin Bancorp is HIDDEN

BMRC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart BMRC

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1M -8%
6M -9%
1Y 39%
3Y -40%
5Y -26%
All
$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.0$22.0$22.0$21.0$21.0$20.0$20.0$19.0$19.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
141 M REVENUE
34.59%
Growth Rates
1Year 34.59%
3Years 7.07%
5Years 6.16%
7Years 7.87%
10Years 5.92%
-35.2 M OPERATING INCOME
-88.78%
Growth Rates
1Year -88.78%
3Years -21.30%
5Years -12.06%
7Years -11.42%
10Years -7.27%
-8.41 M NET INCOME
-42.27%
Growth Rates
1Year -42.27%
3Years -7.81%
5Years -4.49%
7Years -6.23%
10Years -3.61%
28.4 M OPERATING CASH FLOW
-20.45%
Growth Rates
1Year -20.45%
3Years -14.42%
5Years -7.07%
7Years 0.74%
10Years 4.17%
195 M INVESTING CASH FLOW
-41.69%
Growth Rates
1Year -41.69%
3Years 37.03%
5Years 62.71%
7Years 58.36%
10Years 20.72%
-117 M FINANCING CASH FLOW
69.72%
Growth Rates
1Year 69.72%
3Years -8.11%
5Years -13.75%
7Years -10.19%
10Years -11.69%
36.5 M REVENUE
-6.97%
Growth Rates
1Year 34.59%
3Years 7.07%
5Years 6.16%
7Years 7.87%
10Years 5.92%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -88.78%
3Years -21.30%
5Years -12.06%
7Years -11.42%
10Years -7.27%
6 M NET INCOME
31.31%
Growth Rates
1Year -42.27%
3Years -7.81%
5Years -4.49%
7Years -6.23%
10Years -3.61%
10.7 M OPERATING CASH FLOW
8.49%
Growth Rates
1Year -20.45%
3Years -14.42%
5Years -7.07%
7Years 0.74%
10Years 4.17%
-9.28 M INVESTING CASH FLOW
90.65%
Growth Rates
1Year -41.69%
3Years 37.03%
5Years 62.71%
7Years 58.36%
10Years 20.72%
-93.3 M FINANCING CASH FLOW
-107.07%
Growth Rates
1Year 69.72%
3Years -8.11%
5Years -13.75%
7Years -10.19%
10Years -11.69%
Balance Sheet Bank of Marin Bancorp
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Current Assets 1.56 B
Cash & Short-Term Investments 1.4 B
Receivables 164 M
Other Current Assets 0
Non-Current Assets 7.31 M
Long-Term Investments 0
PP&E 7.31 M
Other Non-Current Assets 0
89.07 %10.46 %Total Assets$1.6b
Current Liabilities 154 K
Accounts Payable 0
Short-Term Debt 154 K
Other Current Liabilities 0
Non-Current Liabilities 21.5 M
Long-Term Debt 21.5 M
Other Non-Current Liabilities 0
99.29 %Total Liabilities$21.7m
EFFICIENCY
Earnings Waterfall Bank of Marin Bancorp
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Revenue 141 M
Cost Of Revenue 0
Gross Profit 141 M
Operating Expenses 69.8 M
Operating Income -35.2 M
Other Expenses -26.8 M
Net Income -8.41 M
160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00(20m)(20m)(40m)(40m)141m0141m(70m)(35m)27m(8m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
-24.93% OPERATING MARGIN
-24.93%
Averages
1Year -24.93%
3Years 20.20%
5Years 27.64%
7Years 32.59%
10Years 35.49%
-5.95% NET MARGIN
-5.95%
Averages
1Year -5.95%
3Years 15.55%
5Years 20.86%
7Years 24.15%
10Years 24.05%
-0.44% ROE
-0.44%
Averages
1Year -0.44%
3Years 5.13%
5Years 6.24%
7Years 7.39%
10Years 7.57%
-0.24% ROA
-0.24%
Averages
1Year -0.24%
3Years 0.47%
5Years 0.64%
7Years 0.83%
10Years 0.85%
-1.36% ROIC
-1.36%
Averages
1Year -1.36%
3Years 0.38%
5Years 0.94%
7Years 1.25%
10Years 1.17%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Bank of Marin Bancorp
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -8.41 M
Depreciation & Amortization 3.51 M
Capital Expenditures 0
Stock-Based Compensation 513 K
Change in Working Capital 0
Others 32.8 M
Free Cash Flow 28.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Bank of Marin Bancorp
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Wall Street analysts predict an average 1-year price target for BMRC of $19.5 , with forecasts ranging from a low of $15 to a high of $24 .
BMRC Lowest Price Target Wall Street Target
15 USD -26.72%
BMRC Average Price Target Wall Street Target
19.5 USD -4.74%
BMRC Highest Price Target Wall Street Target
24 USD 17.24%
Price
Max Price Target
Min Price Target
Average Price Target
282826262424222220201818161614141212May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.06% DIVIDEND YIELD
0.25 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.110.1250.1350.1450.190.230.230.240.250.250.250.110.1250.1350.1550.190.230.230.240.250.250.110.1250.1450.160.210.230.240.250.250.250.120.450.1350.510.1450.560.1750.640.210.800.230.920.240.940.250.980.251.000.251.000.252015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership Bank of Marin Bancorp
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Bank of Marin Bancorp to Webcast Q1 Earnings on Monday, April 28, 2025, at 8:30 a.m. PT NOVATO, Calif.--(BUSINESS WIRE)--Bank of Marin Bancorp to Webcast Q1 Earnings on Monday, April 28, 2025, at 8:30 a.m. PT. businesswire.com - 2 weeks ago
Bank of Marin Bancorp (BMRC) Q4 2024 Earnings Call Transcript Bank of Marin Bancorp (NASDAQ:BMRC ) Q4 2024 Earnings Conference Call January 27, 2025 11:30 AM ET Company Participants Krissy Meyer - Corporate Secretary Tim Myers - President and Chief Executive Officer Dave Bonaccorso - Executive Vice President, Chief Financial Officer and Principal Accounting Officer Tani Girton - Executive Vice President and Chief Financial Officer Conference Call Participants Jeffrey Rulis - D.A. Davidson Andrew Terrell - Stephens Woody Lay - KBW David Feaster - Raymond James Matthew Clark - Piper Sandler Krissy Meyer Good morning and thank you for joining Bank of Marin Bancorp's Earnings Call for the Fourth Quarter Ended December 31st, 2024. seekingalpha.com - 2 months ago
Bank of Marin (BMRC) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Bank of Marin (BMRC) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
Bank of Marin (BMRC) Beats Q4 Earnings Estimates Bank of Marin (BMRC) came out with quarterly earnings of $0.38 per share, beating the Zacks Consensus Estimate of $0.34 per share. This compares to earnings of $0.30 per share a year ago. zacks.com - 2 months ago
Bank of Marin Bancorp Reports Fourth Quarter and Full Year 2024 Earnings NOVATO, Calif.--(BUSINESS WIRE)--Bank of Marin Bancorp Reports Fourth Quarter and Full Year 2024 Earnings; Strategic Actions Drive Further Improvements in Financial Performance. businesswire.com - 2 months ago
Curious about Bank of Marin (BMRC) Q4 Performance? Explore Wall Street Estimates for Key Metrics Get a deeper insight into the potential performance of Bank of Marin (BMRC) for the quarter ended December 2024 by going beyond Wall Street's top -and-bottom-line estimates and examining the estimates for some of its key metrics. zacks.com - 2 months ago
Bank of Marin (BMRC) Reports Next Week: Wall Street Expects Earnings Growth Bank of Marin (BMRC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
Bank of Marin Bancorp to Webcast Q4 Earnings on Monday, January 27, 2025, at 8:30 a.m. PT NOVATO, Calif.--(BUSINESS WIRE)--Bank of Marin Bancorp to Webcast Q4 Earnings on Monday, January 27, 2025, at 8:30 a.m. PT. businesswire.com - 3 months ago
Bank of Marin Bancorp Announces Upcoming Retirement of Chief Financial Officer Tani Girton NOVATO, Calif.--(BUSINESS WIRE)--Bank of Marin Bancorp Announces Upcoming Retirement of Chief Financial Officer Tani Girton; Appoints Treasurer Dave Bonaccorso as Successor. businesswire.com - 4 months ago
Bank of Marin Bancorp (BMRC) Q3 2024 Earnings Call Transcript Bank of Marin Bancorp (NASDAQ:BMRC ) Q3 2024 Earnings Conference Call October 28, 2024 11:30 AM ET Company Participants Krissy Meyer - Corporate Secretary Tim Myers - President & CEO Tani Girton - EVP & CFO Conference Call Participants Woody Lay - KBW Matthew Clark - Piper Sandler David Feaster - Raymond James Jeffrey Rulis - D.A. Davidson Krissy Meyer Good morning, and thank you for joining Bank of Marin Bancorp's Earnings Call for the Third Quarter Ended September 30, 2024. seekingalpha.com - 5 months ago
Compared to Estimates, Bank of Marin (BMRC) Q3 Earnings: A Look at Key Metrics Although the revenue and EPS for Bank of Marin (BMRC) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 5 months ago
Bank of Marin (BMRC) Beats Q3 Earnings Estimates Bank of Marin (BMRC) came out with quarterly earnings of $0.28 per share, beating the Zacks Consensus Estimate of $0.27 per share. This compares to earnings of $0.33 per share a year ago. zacks.com - 5 months ago
8. Profile Summary

Bank of Marin Bancorp BMRC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 330 M
Dividend Yield 1.06%
Description 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.
Contact 504 Redwood Boulevard, Novato, CA, 94947 https://www.bankofmarin.com
IPO Date Dec. 23, 1999
Employees 285
Officers Mr. David Bloom Executive Vice President & Head of Commercial Banking Mr. Robert Gotelli Executive Vice President & Director of Human Resources Ms. Boo Wilson Chief Marketing Officer Mr. David A. Merck Senior Vice President and Director of Audit, Compliance & Risk Ms. Deborah Hoke Smith Senior Vice President & Director of Wealth Management & Trust, AIF Mr. Timothy D. Myers President, Chief Executive Officer & Director Mr. Sathis Arasadi Executive Vice President & Chief Information Officer Mr. Patrick J. London Executive Vice President & Director of Private Banking Ms. Misako Stewart Executive Vice President & Chief Credit Officer of Bank of Marin Mr. Dave Bonaccorso Executive Vice President, Chief Financial Officer, Principal Accounting Officer & Treasurer