Saturday 17 October 2026
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Bank of Marin Bancorp
BMRC Financial Banks Regional
In the quarter to June 2026, revenue grew 120.2%, EPS grew 209.4% and free cash flow grew 67.5%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
26.41
0.02
+0.08%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.21 | 25.98 | 17.51 | 17.95 | 15.40 | 15.91 | 11.10 | 17.66 | 0.00 | 0.00 |
Piotroski F-Score |
8 | 6 | 6 | 7 | 7 | 3 | 6 | 6 | 4 | 4 |
P/S ratio |
4.97 | 4.95 | 5.43 | 5.60 | 4.29 | 4.51 | 3.67 | 2.43 | 3.18 | 5.47 |
P/FCF ratio |
17.22 | 16.47 | 13.88 | 15.19 | 11.65 | 12.08 | 9.77 | 10.34 | 13.68 | 11.13 |
P/Operating CF |
81.90 | 64.60 | 52.83 | 63.05 | 48.75 | 41.30 | 31.72 | 445.57 | 35.59 | 30.44 |
P/B ratio |
1.82 | 1.41 | 1.81 | 1.82 | 1.30 | 1.19 | 1.26 | 0.80 | 0.88 | 1.05 |
Price to Tangible BV |
1.90 | 1.61 | 2.04 | 2.03 | 1.43 | 1.44 | 1.55 | 0.97 | 1.06 | 1.30 |
EV/Sales |
4.46 | 2.62 | 5.13 | 3.95 | 2.47 | 1.75 | 4.30 | 2.38 | 2.23 | 3.08 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
14.82 | 8.25 | 12.83 | 10.58 | 6.53 | 4.58 | 10.97 | 9.62 | 9.41 | 5.97 |
EV/FCF |
15.45 | 8.71 | 13.11 | 10.72 | 6.70 | 4.69 | 11.44 | 10.12 | 9.58 | 6.26 |
Quick Ratio |
0.03 | 0.09 | 0.02 | 0.08 | 0.08 | 0.09 | 0.01 | 0.01 | 0.04 | 0.07 |
Current Ratio |
0.89 | 0.90 | 0.84 | 0.89 | 0.91 | 0.69 | 0.59 | 0.64 | 0.70 | 0.70 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.28% | 0.23% | 0.10% | 0.10% | 0.10% | 0.49% | 3.23% | 0.00% | 0.00% | 1.12% |
Debt/Equity |
0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.05 | 0.33 | 0.00 | 0.00 | 0.11 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.03 | 0.02 |
Operating CF/Net income |
1.10 | 1.69 | 1.29 | 1.20 | 1.35 | 1.36 | 1.19 | 1.79 | (3.37) | (1.10) |
Capex/Depreciation |
(0.19) | (0.27) | (0.16) | (0.11) | (0.23) | (0.12) | (0.18) | (0.17) | (0.10) | (0.63) |
| 10.40% | 6.06% | 10.64% | 10.48% | 8.70% | 8.22% | 10.80% | 4.67% | (1.92%) | (8.60%) | |
| 1.14% | 0.71% | 1.31% | 1.31% | 1.08% | 0.92% | 1.10% | 0.50% | (0.22%) | (0.94%) | |
ROIC |
12.17% | 18.17% | 9.53% | 18.37% | 15.78% | 22.67% | 7.93% | 3.98% | (2.90%) | (15.38%) |
Return on Tangible Assets |
(12.18%) | (7.35%) | (9.70%) | (13.00%) | (13.97%) | (2.77%) | (3.09%) | (1.69%) | 0.86% | 3.45% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
52.04% | 61.68% | 52.46% | 50.91% | 56.96% | 56.82% | 50.77% | 52.50% | 68.06% | 105.22% |
Intangible Assets out of Total Assets |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
1.38% | 1.73% | 1.80% | 1.66% | 1.11% | 0.82% | 0.68% | 0.36% | 0.53% | 1.08% |
Graham Net Nets |
(0.49) | (0.55) | (0.61) | (0.46) | (0.54) | (2.31) | (2.97) | (3.45) | (2.63) | (2.68) |
Graham Number |
28.49 | 26.53 | 34.77 | 37.37 | 36.46 | 40.66 | 41.31 | 27.66 | 0.00 | 0.00 |
Earnings Yield |
5.49% | 3.85% | 5.71% | 5.57% | 6.49% | 6.29% | 9.01% | 5.66% | (2.19%) | (8.61%) |
Free Cash Flow Yield |
5.81% | 6.07% | 7.21% | 6.58% | 8.58% | 8.28% | 10.24% | 9.67% | 7.31% | 8.99% |
Revenue per Share |
6.96 | 6.85 | 7.59 | 8.04 | 8.00 | 8.26 | 8.85 | 9.02 | 7.47 | 4.75 |
Operating CF per Share |
2.10 | 2.17 | 3.04 | 3.01 | 3.02 | 3.16 | 3.47 | 2.23 | 1.77 | 2.45 |
Capex per Share |
(0.09) | (0.12) | (0.07) | (0.04) | (0.07) | (0.07) | (0.14) | (0.11) | (0.03) | (0.11) |
Free Cash Flow per Share |
2.01 | 2.06 | 2.97 | 2.97 | 2.95 | 3.08 | 3.33 | 2.12 | 1.74 | 2.34 |
Cash per Share |
4.02 | 16.43 | 2.47 | 13.46 | 14.81 | 24.24 | 2.85 | 1.90 | 8.56 | 14.13 |
Shareholders Equity per Share |
18.98 | 23.97 | 22.82 | 24.73 | 26.49 | 31.41 | 25.88 | 27.42 | 27.14 | 24.76 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
18.98 | 23.97 | 22.82 | 24.73 | 26.49 | 31.41 | 25.88 | 27.42 | 27.14 | 24.76 |
Free Cash Flow |
24.41 | 25.51 | 41.20 | 40.39 | 39.86 | 44.21 | 53.01 | 33.91 | 27.87 | 37.26 |
Working Capital |
(198.40) | (225.98) | (343.71) | (269.46) | (221.35) | (1,206.79) | (1,513.92) | (1,187.99) | (982.25) | (1,041.09) |
Capital Expenditures |
(1.04) | (1.43) | (0.91) | (0.54) | (0.98) | (1.04) | (2.27) | (1.75) | (0.50) | (1.82) |
Net Current Asset Value |
(203.99) | (231.72) | (346.35) | (284.78) | (251.19) | (1,232.22) | (1,540.56) | (1,210.89) | (1,003.75) | (1,109.69) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.01 | 0.00 | 0.01 | 0.01 | 0.02 | 0.01 | 0.00 | 0.02 |
Price to Operating Income |
11.52 | 14.32 | 13.17 | 13.37 | 11.44 | 11.89 | 8.15 | 13.47 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.65 | 0.62 | 0.78 | 0.78 | 0.89 | 1.15 | 1.52 | 1.33 | 0.73 | 0.36 |
Cash ROIC |
8.56% | 5.04% | 11.66% | 7.72% | 7.10% | 5.40% | 8.96% | 7.22% | 4.87% | 5.61% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
285,163.29 | 449,692.98 | 224,495.64 | 179,276.54 | 306,831.45 | 408,618.68 | 511,679.88 | 30,680.02 | 23,652.28 | 26,873.16 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,750.46 | 1,960.69 | 2,161.76 | 2,255.66 | 2,420.37 | 3,156.40 | 3,690.95 | 3,431.71 | 3,255.05 | 3,317.78 |
Average Assets |
2,027.31 | 2,245.82 | 2,494.52 | 2,614.09 | 2,809.60 | 3,613.07 | 4,230.84 | 3,975.68 | 3,752.62 | 3,803.06 |
Average Common Equity |
222.52 | 263.79 | 306.72 | 326.60 | 347.52 | 404.31 | 431.23 | 425.58 | 437.23 | 415.03 |
Columns are period end dates