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Bank of Marin Bancorp BMRC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 25.7
1.22 %
$ 417 M
Market Cap
-64.25
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one BMRC stock under the worst case scenario is HIDDEN Compared to the current market price of 25.7 USD, Bank of Marin Bancorp is HIDDEN

BMRC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one BMRC stock under the base case scenario is HIDDEN Compared to the current market price of 25.7 USD, Bank of Marin Bancorp is HIDDEN

BMRC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one BMRC stock under the best case scenario is HIDDEN Compared to the current market price of 25.7 USD, Bank of Marin Bancorp is HIDDEN

BMRC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart BMRC

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1M 21%
6M 13%
1Y 31%
3Y -8%
5Y -2%
All
$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 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
116 M REVENUE
-17.86%
Growth Rates
1Year -17.86%
3Years -0.59%
5Years 1.22%
7Years 4.62%
10Years 3.59%
-13.8 M OPERATING INCOME
-53.14%
Growth Rates
1Year -53.14%
3Years -9.37%
5Years -5.41%
7Years -5.76%
10Years -3.71%
-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%
37.2 M REVENUE
-3.15%
Growth Rates
1Year -17.86%
3Years -0.59%
5Years 1.22%
7Years 4.62%
10Years 3.59%
6.48 M OPERATING INCOME
-32.80%
Growth Rates
1Year -53.14%
3Years -9.37%
5Years -5.41%
7Years -5.76%
10Years -3.71%
4.88 M NET INCOME
-18.75%
Growth Rates
1Year -42.27%
3Years -7.81%
5Years -4.49%
7Years -6.23%
10Years -3.61%
4.94 M OPERATING CASH FLOW
-53.93%
Growth Rates
1Year -20.45%
3Years -14.42%
5Years -7.07%
7Years 0.74%
10Years 4.17%
39.9 M INVESTING CASH FLOW
529.82%
Growth Rates
1Year -41.69%
3Years 37.03%
5Years 62.71%
7Years 58.36%
10Years 20.72%
77.8 M FINANCING CASH FLOW
183.39%
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 273 M
Cash & Short-Term Investments 273 M
Receivables 0
Other Current Assets 0
Non-Current Assets 3.43 B
Long-Term Investments 3.18 B
PP&E 25.9 M
Other Non-Current Assets 219 M
7.38 %86.01 %5.91 %Total Assets$3.7b
Current Liabilities 3.22 B
Accounts Payable 0
Short-Term Debt 154 K
Other Current Liabilities 3.22 B
Non-Current Liabilities 45.8 M
Long-Term Debt 21.5 M
Other Non-Current Liabilities 24.2 M
98.59 %Total Liabilities$3.3b
EFFICIENCY
Earnings Waterfall Bank of Marin Bancorp
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Revenue 116 M
Cost Of Revenue 51.9 M
Gross Profit 64.5 M
Operating Expenses 78.3 M
Operating Income -13.8 M
Other Expenses -5.43 M
Net Income -8.41 M
120m120m100m100m80m80m60m60m40m40m20m20m00(20m)(20m)116m(52m)64m(78m)(14m)5m(8m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
55.38% GROSS MARGIN
55.38%
Averages
1Year 55.38%
3Years 75.45%
5Years 83.42%
7Years 87.05%
10Years 90.40%
-11.89% OPERATING MARGIN
-11.89%
Averages
1Year -11.89%
3Years 17.21%
5Years 25.41%
7Years 30.03%
10Years 32.41%
-7.23% NET MARGIN
-7.23%
Averages
1Year -7.23%
3Years 13.31%
5Years 19.19%
7Years 22.60%
10Years 22.78%
-1.93% ROE
-1.93%
Averages
1Year -1.93%
3Years 4.63%
5Years 5.94%
7Years 7.17%
10Years 7.42%
-0.23% ROA
-0.23%
Averages
1Year -0.23%
3Years 0.47%
5Years 0.65%
7Years 0.83%
10Years 0.85%
-1.75% ROIC
-1.75%
Averages
1Year -1.75%
3Years 3.54%
5Years 5.08%
7Years 6.45%
10Years 6.67%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Bank of Marin Bancorp
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -8.41 M
Depreciation & Amortization 2.44 M
Capital Expenditures -520 K
Stock-Based Compensation 1.78 M
Change in Working Capital -6.52 M
Others 39.1 M
Free Cash Flow 27.8 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 $24 , with forecasts ranging from a low of $24 to a high of $24 .
BMRC Lowest Price Target Wall Street Target
24 USD -6.61%
BMRC Average Price Target Wall Street Target
24 USD -6.61%
BMRC Highest Price Target Wall Street Target
24 USD -6.61%
Price
Max Price Target
Min Price Target
Average Price Target
2626252524242323222221212020191918181717Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
1.14% DIVIDEND YIELD
0.25 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.110.1250.1350.1450.190.230.230.240.250.250.250.110.1250.1350.1550.190.230.230.240.250.250.250.110.1250.1450.160.210.230.240.250.250.250.120.450.1350.510.1450.560.1750.640.210.800.230.920.240.940.250.980.251.000.251.000.502015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
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 Q2 Earnings on Monday, July 28, 2025, at 8:30 a.m. PT NOVATO, Calif.--(BUSINESS WIRE)--Bank of Marin Bancorp to Webcast Q2 Earnings on Monday, July 28, 2025, at 8:30 a.m. PT. businesswire.com - 2 weeks ago
Bank of Marin price target raised by $1 at Keefe Bruyette, here's why 26 Aug https://thefly.com - 2 weeks ago
Bank of Marin Announces Strategic Balance Sheet Repositioning to Enhance Future Earnings NOVATO, Calif.--(BUSINESS WIRE)--BANK OF MARIN ANNOUNCES STRATEGIC BALANCE SHEET REPOSITIONING TO ENHANCE FUTURE EARNINGS. businesswire.com - 2 weeks ago
New Strong Sell Stocks for June 9th BRCC, FL and BMRC have been added to the Zacks Rank #5 (Strong Sell) List on June 9, 2025. zacks.com - 1 month ago
Bank of Marin Bancorp (BMRC) Q1 2025 Earnings Call Transcript Bank of Marin Bancorp (NASDAQ:BMRC ) Q1 2025 Earnings Conference Call April 28, 2025 11:30 AM ET Company Participants Krissy Meyer - Corporate Secretary Tim Myers - President and CEO Dave Bonaccorso - EVP, CFO and Principal Accounting Officer Misako Stewart - EVP and Chief Credit Officer Conference Call Participants Andrew Terrell - Stephens Woody Lay - KBW Jeffrey Rulis - D.A. Davidson David Feaster - Raymond James Adam Butler - Piper Sandler Timothy Coffey - Janney Montgomery Scott Krissy Meyer Good morning, and thank you for joining Bank of Marin Bancorp's earnings call for the first quarter ended March 31, 2025. seekingalpha.com - 2 months ago
Bank of Marin (BMRC) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates While the top- and bottom-line numbers for Bank of Marin (BMRC) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
Bank of Marin (BMRC) Q1 Earnings and Revenues Lag Estimates Bank of Marin (BMRC) came out with quarterly earnings of $0.30 per share, missing the Zacks Consensus Estimate of $0.32 per share. This compares to earnings of $0.18 per share a year ago. zacks.com - 2 months ago
Bank of Marin Bancorp Reports First Quarter Financial Results NOVATO, Calif.--(BUSINESS WIRE)--Bank of Marin Bancorp Reports First Quarter Financial Results; Improved Net Interest Margin, Loan Originations, and Deposit Flows. businesswire.com - 2 months ago
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 - 3 months 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 - 5 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 - 5 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 - 5 months ago
8. Profile Summary

Bank of Marin Bancorp BMRC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 417 M
Dividend Yield 1.14%
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 291
Officers Mr. David Bloom Executive Vice President & Head of Commercial Banking Mr. David Bonaccorso Executive Vice President, Chief Financial Officer, Principal Accounting Officer & Treasurer Mr. Sathis Arasadi Executive Vice President & Chief Information Officer Mr. Patrick J. London Executive Vice President & Director of Private Banking Ms. Deborah Hoke Smith Senior Vice President & Director of Wealth Management & Trust, AIF Ms. Boo Wilson Chief Marketing Officer Ms. Misako Stewart Executive Vice President & Chief Credit Officer of Bank of Marin Mr. David A. Merck Senior Vice President and Director of Audit, Compliance & Risk Mr. Timothy D. Myers President, Chief Executive Officer & Director Mr. Robert Gotelli Executive Vice President & Director of Human Resources