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Bank of Marin Bancorp

BMRC Financial Banks Regional

Bank of Marin Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $75.8 million, down 36.8% from fiscal 2024.

Revenue
+10.2%
EPS
+31.9%
Free cash flow
+32.7%

Quarter to September 2026, against a year earlier

28.72 0.80 −2.71%
Market cap
$463.9M
P/E
0.0×
Fwd P/E
11.9×
Dividend yield
3.48%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.01
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — 1 — — 1 — — 1 —
Sell — — — — — — — — — — — —
Insider Ownership 3.15%

Capital & Financial Ratios $m

Size
Market Cap 463.94
Revenue ttm 113.42
Net income ttm (11.85)
Free cash flow ttm 42.28
Net debt Q (221.32)
Valuation
P/E 0.00
Forward P/E 11.90
Price / sales 4.05
Forward P/S Powerpack
Price / FCF 10.86
Price / book 1.21
Financial health
Current ratio Q 0.72
Debt / equity Q 0.12
Interest coverage Q —
Growth
Revenue growth Q +10.24% (above 0%: growing)
Operating income growth Q +42.29% (above 0%: growing)
EPS, this year +205.65% (at or above 15%: strong)
EPS, next year A +6.41%
Revenue, next year A +83.43% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +14.18%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 48.15%
10-year low 10-year high
P/B against its own 10 years 42.17%
10-year low 10-year high

Dividends

Yield
3.48%
Annual rate
1.00
Payout ratio
—
Growth, 2018–26
+5.84%/yr
  1. 0.64 ’18
  2. 0.80 ’19 +26
  3. 0.92 ’20 +15
  4. 0.94 ’21 +2
  5. 0.98 ’22 +4
  6. 1.25 ’23 +28
  7. 1.00 ’24 −20
  8. 1.00 ’25 +0
  9. 1.00 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 30 137 225 265
Receivables — — — —
Inventory — — — —
Other — — — —
2,154 2,262 2,400 —
2023 2024 2025 Q'26
Payables 3,290 3,220 3,416 3,395
ST’ Debt — — — —
Other — — — —
3,342 3,244 3,442 —

Compound Annual Growth %

10y 5y 3y
Sales (0.37%) (6.87%) (18.69%)
Cash Flow 5.14% (0.88%) (10.92%)
Earnings 0.00% 0.00% 0.00%
Book Value 6.29% 1.95% (1.43%)

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.57 Actual 0.62

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.51 0.59 Beat by 0.08
Q1 FY26 0.56 0.53 Miss by 0.03
Q2 FY26 0.52 0.58 Beat by 0.06
Q3 FY26 0.57 0.62 Beat by 0.05
Q4 FY26 0.63 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.53 0.58 0.62 — —
’25 0.30 (0.53) 0.47 (2.49) (2.24)
’24 0.18 (1.36) 0.28 0.38 (0.52)
’23 0.59 0.28 0.33 0.04 1.24
’22 0.66 0.69 0.76 0.81 2.92
’21 0.66 0.71 0.35 0.61 2.30
’20 0.53 0.55 0.55 0.60 2.22
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 47 46 46 — —
’25 38 21 42 (25) 76
’24 37 5 39 39 120
’23 37 37 38 32 144
’22 33 35 36 37 141
’21 26 27 32 34 118
’20 29 27 27 26 108
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 1 12 16 — —
’25 5 8 12 14 39
’24 4 3 10 11 28
’23 13 8 13 1 36
’22 11 8 19 16 55
’21 12 7 13 13 45
’20 10 20 2 10 41
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 1 12 16 — —
’25 5 7 12 13 37
’24 4 3 10 11 28
’23 12 8 13 1 34
’22 11 8 19 15 53
’21 12 7 12 13 44
’20 9 20 1 9 40
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 85 85 105 110 108 118 141 144 120 76 113 (1.2%) 139 146 154 +26.7%
Gross margin, % 97.32 97.94 96.64 95.66 97.25 97.13 98.19 72.91 58.56 38.78 0.00 (58.5) pt
EBT 36 29 43 46 41 45 64 26 (14) (52) (19) n/m
EBT margin, % 43.13 33.98 41.26 41.90 37.52 37.88 45.06 18.02 (11.54) (69.26) (17.13) (112.4) pt
Net income 23 16 33 34 30 33 47 20 (8) (36) (12) n/m
Per share, $
Per share, $ Revenue 6.96 6.85 7.59 8.04 8.00 8.26 8.85 9.02 7.47 4.75 7.10 (4.2%)
Earnings 1.91 1.29 2.35 2.51 2.24 2.32 2.93 1.24 (0.52) (2.24) (0.76) n/m
Cash flow 2.10 2.17 3.04 3.01 3.02 3.16 3.47 2.23 1.77 2.45 2.70 +1.8%
Capex (0.09) (0.12) (0.07) (0.04) (0.07) (0.07) (0.14) (0.11) (0.03) (0.11) (0.05) +3.2%
Free cash flow 2.01 2.06 2.97 2.97 2.95 3.08 3.33 2.12 1.74 2.34 2.65 +1.7%
Book value 18.98 23.97 22.82 24.73 26.49 31.41 25.88 27.42 27.14 24.76 23.73 +3.0%
Shares, m 12 12 14 14 14 14 16 16 16 16 16 +3.1%
Valuation, ×
Valuation, × P/E 18.21 25.98 17.51 17.95 15.40 15.91 11.11 17.66 0.00 0.00 0.00 14.0
P/S 4.97 4.95 5.43 5.60 4.29 4.51 3.68 2.43 3.18 5.47 4.05 4.5
P/B 1.82 1.41 1.81 1.82 1.30 1.19 1.26 0.80 0.88 1.05 1.21 1.3
EV/Sales 4.46 2.62 5.13 3.95 2.47 1.75 4.30 2.38 2.23 3.08 — 3.2
EV/FCF 15.45 8.71 13.11 10.72 6.70 4.69 11.44 10.12 9.58 6.26 — 9.7
Cash, $m
Cash, $m Operating cash flow 25 27 42 41 41 45 55 36 28 39 43 +4.9%
Capex (1) (1) (1) (1) (1) (1) (2) (2) 0 (2) (1) +6.4%
Free cash flow 24 26 41 40 40 44 53 34 28 37 42 +4.8%
Balance, $m
Balance, $m Working capital (198) (226) (344) (269) (221) (1,207) (1,514) (1,188) (982) (1,041) (953) +20.2%
Net debt (43) (198) (32) (181) (198) (327) 89 (30) (137) (181) (221) +17.3%
Shareholders’ equity 231 297 316 337 358 450 412 439 435 395 379 +6.2%
Returns, %
Returns, % ROA 1.14 0.71 1.31 1.31 1.08 0.92 1.10 0.50 (0.22) (0.94) (0.31) (2.1) pt
ROIC 12.17 18.17 9.53 18.37 15.78 22.67 7.93 3.98 (2.90) (15.38) (7.68) (27.5) pt
ROE 10.40 6.06 10.64 10.48 8.70 8.22 10.80 4.67 (1.92) (8.60) (2.88) (19.0) pt
People
People Employees 262 291 290 290 289 328 313 329 285 311 — +1.9%
Revenue/emp, $m 0.32 0.29 0.36 0.38 0.37 0.36 0.45 0.44 0.42 0.24 — (3.1%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Bank of Marin Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CZNC Citizens & Northern Corp $507.1M 19.2× 12.9× +26.53% (above 0%: growing) +97.50% (above 0%: growing) +90.26% (above 0%: growing) 76.74% 0.00% Compare
FRBA First Bank $493.4M 11.6× 11.5× −3.96% (below 0%: shrinking) +7.32% (above 0%: growing) −48.72% (below 0%: shrinking) 62.19% 0.00% Compare
PBAM Private Bancorp of America, Inc. $482.0M 10.8× 10.1× +1.51% (above 0%: growing) +27.22% (above 0%: growing) +7,335.44% (above 0%: growing) 77.85% 0.00% Compare
HBCP Home Bancorp, Inc. $478.0M 10.6× 10.7× +1.86% (above 0%: growing) −18.75% (below 0%: shrinking) +17.52% (above 0%: growing) 74.37% 0.00% Compare
BMRC Bank of Marin Bancorp $463.9M — (loss-making) 11.9× +10.24% (above 0%: growing) +31.91% (above 0%: growing) +32.70% (above 0%: growing) 0.00% 0.00%
PBFS Pioneer Bancorp, Inc. $453.0M 26.2× 24.0× +17.36% (above 0%: growing) −46.15% (below 0%: shrinking) +217.72% (above 0%: growing) 75.84% 0.00% Compare
AVBC Avidia Bancorp, Inc. $451.5M 23.9× 15.4× +5.48% (above 0%: growing) — +391.37% (above 0%: growing) 76.31% 0.00% Compare
CBK Commercial Bancgroup, Inc. $447.5M 11.0× 10.9× +4.55% (above 0%: growing) +3.01% (above 0%: growing) +28.43% (above 0%: growing) 73.79% 0.00% Compare
SUPV Grupo Supervielle S.A. $433.5M — (loss-making) — −1.93% (below 0%: shrinking) −28.57% (below 0%: shrinking) −129.06% (below 0%: shrinking) 64.28% 0.00% Compare
Median of peers $465.5M 11.6× 11.5× +3.20% +3.01% +59.35% 75.11% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 22 April 2026

Ownership

Directors and executive officers, together 4.88%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Bank of Marin Bancorp (BMRC) Latest News

3 Nov

Impact 3 · · The Motley Fool

28 Oct

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26 Oct

Impact 4 · · Moby transcript
Impact 3 · · MarketBeat
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19 Oct

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28 Jul

Impact 3 · · Moby

27 Jul

Impact 3 ·
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Impact 3 ·

28 Apr

Impact 4 · · GuruFocus.com

27 Apr

Impact 4 · · MarketBeat
Impact 4 · · The Motley Fool transcript
Impact 4 · · Zacks
Impact 4 · · Business Wire
Impact 3 · · Moby
Impact 3 ·

14 Mar

Impact 3 · · Simply Wall St.

13 Feb

Impact 3 · · Simply Wall St.

5 Feb

Impact 4 · · Zacks

27 Jan

Impact 4 · · GuruFocus.com transcript
Impact 4 · · Moby

26 Jan

Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat transcript
Impact 3 · · Zacks
stockrow.com/BMRC · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com