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.
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Bank of Marin Bancorp (BMRC) Piotroski F-score
Bank of Marin Bancorp's Piotroski F-score for fiscal 2025 is 4 out of 9: 4 of nine tests of profitability, leverage and efficiency passed, unchanged from fiscal 2024.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 4 | 0.00 |
| FY2024 | 4 | (2.00) |
| FY2023 | 6 | 0.00 |
| FY2022 | 6 | 3.00 |
| FY2021 | 3 | (4.00) |
| FY2020 | 7 | 0.00 |
| FY2019 | 7 | 1.00 |
| FY2018 | 6 | 0.00 |
| FY2017 | 6 | (2.00) |
| FY2016 | 8 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | (0.94%) | (0.22%) | Fail | 0 |
| Positive operating cash flow | 39.08m | 28.37m | Pass | 1 |
| Rising return on assets | (0.94%) | (0.22%) | Fail | 0 |
| Cash flow above net income | 74.75m | 36.77m | Pass | 1 |
| Falling long-term leverage | 0.01 | 0.00 | Fail | 0 |
| Rising current ratio | 0.70 | 0.70 | Pass | 1 |
| No new shares issued | 15,942,000 | 16,042,000 | Pass | 1 |
| Rising gross margin | 38.78% | 58.56% | Fail | 0 |
| Rising asset turnover | 0.02 | 0.03 | Fail | 0 |
| Piotroski F-score | Mixed | 4 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| FRBA First Bank compare | 8 |
| RBB RBB Bancorp compare | 8 |
| USCB USCB Financial Holdings, Inc. compare | 6 |
| CBK Commercial Bancgroup, Inc. compare | 6 |
| CBAN Colony Bankcorp, Inc. compare | 5 |
| BMRC Bank of Marin Bancorp | 4 |
| PLBC Plumas Bancorp compare | 4 |
| PBFS Pioneer Bancorp, Inc. compare | — |
| AVBC Avidia Bancorp, Inc. compare | — |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover