Saturday 17 October 2026 Export BMRC’s income statement to Excel — free account

Bank of Marin Bancorp

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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Market cap: $427.4M
P/E: 0.0×
Fwd P/E: 11.9×
Dividend yield: 3.79%
F-score: 4/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.01

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	1	—	—	1	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 3.15%

Capital & Financial Ratios $m

Market Cap 427.36

Revenue 109.14

Net Income (14.26)

Free Cash Flow 38.33

Net Debt (235.68)

Current Ratio 0.72

Debt/Equity 0.11

P/E ratio 0.00

Fwd P/E 11.90

P/S ratio 3.86

P/B ratio 1.06

Past 5Y EPS Growth —

This Y EPS Growth 201.64%

Next Y EPS Growth 6.08%

Next Y revenue growth 83.17%

Next 5Y EPS Growth 14.18%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 41.06%

10-year low 10-year high

P/B against its own 10 years 29.27%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate 1.00

Annual Dividend Yield 3.79%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.00	0.25 0.25 0.25
2025	1.00	0.25 0.25 0.25 0.25
2024	1.00	0.25 0.25 0.25 0.25
2023	1.25	0.25 0.25 0.25 0.25 0.25
2022	0.98	0.24 0.24 0.25 0.25
2021	0.94	0.23 0.23 0.24 0.24
2020	0.92	0.23 0.23 0.23 0.23
2019	0.80	0.19 0.19 0.21 0.21
2018	0.64	0.15 0.16 0.16 0.18
2017	0.56	0.14 0.14 0.15 0.15
2016	0.51	0.13 0.13 0.13 0.14

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	30	137	225	280
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,154	2,262	2,400	2,439

	2023	2024	2025	Q'26
Payables	3,290	3,220	3,416	3,370
ST’ Debt	—	—	—	—
Other	—	—	—	—
	3,342	3,244	3,442	3,393

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%)

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	47	46	—	—	—
’25	38	21	42	—	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.

value withheld pending a data check

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	1	12	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.53	0.58	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	22.83	29.53	31.75	38.74	23.80	30.69	29.88	12.89	14.11	19.14	Analyst estimates 2026–2028 Powerpack
	High	37.53	38.95	45.43	47.77	45.76	42.19	39.65	33.70	27.11	28.48
People
People	Employees	262	291	290	290	289	328	313	329	285	311
	Revenue/emp, $m	0.32	0.29	0.36	0.38	0.37	0.36	0.45	0.44	0.42	0.24
Income, $m
Income, $m	Revenue	85	85	105	110	108	118	141	144	120	76
	Gross margin, %	97.32	97.94	96.64	95.66	97.25	97.13	98.19	72.91	58.56	38.78
	EBT	36	29	43	46	41	45	64	26	(14)	(52)
	EBT margin, %	43.13	33.98	41.26	41.90	37.52	37.88	45.06	18.02	(11.54)	(69.26)
	Net income	23	16	33	34	30	33	47	20	(8)	(36)
	Depreciation	6	5	6	5	4	9	12	10	5	3
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
	Earnings	1.91	1.29	2.35	2.51	2.24	2.32	2.93	1.24	(0.52)	(2.24)
	Cash flow	2.10	2.17	3.04	3.01	3.02	3.16	3.47	2.23	1.77	2.45
	Capex	(0.09)	(0.12)	(0.07)	(0.04)	(0.07)	(0.07)	(0.14)	(0.11)	(0.03)	(0.11)
	Free cash flow	2.01	2.06	2.97	2.97	2.95	3.08	3.33	2.12	1.74	2.34
	Book value	18.98	23.97	22.82	24.73	26.49	31.41	25.88	27.42	27.14	24.76
	Shares, m	12	12	14	14	14	14	16	16	16	16
Valuation, ×
Valuation, ×	P/E	18.21	25.98	17.51	17.95	15.40	15.91	11.10	17.66	0.00	0.00
	P/S	4.97	4.95	5.43	5.60	4.29	4.51	3.67	2.43	3.18	5.47
	P/B	1.82	1.41	1.81	1.82	1.30	1.19	1.26	0.80	0.88	1.05
	EV/Sales	4.46	2.62	5.13	3.95	2.47	1.75	4.30	2.38	2.23	3.08
	EV/FCF	15.45	8.71	13.11	10.72	6.70	4.69	11.44	10.12	9.58	6.26
Cash, $m
Cash, $m	Operating cash flow	25	27	42	41	41	45	55	36	28	39
	Capex	(1)	(1)	(1)	(1)	(1)	(1)	(2)	(2)	0	(2)
	Free cash flow	24	26	41	40	40	44	53	34	28	37
Balance, $m
Balance, $m	Working capital	(198)	(226)	(344)	(269)	(221)	(1,207)	(1,514)	(1,188)	(982)	(1,041)
	Total debt	6	6	3	3	3	21	134	—	—	44
	Net debt	(43)	(198)	(32)	(181)	(198)	(327)	89	(30)	(137)	(181)
	Shareholders’ equity	231	297	316	337	358	450	412	439	435	395
Returns, %
Returns, %	ROA	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)
	ROE	10.40	6.06	10.64	10.48	8.70	8.22	10.80	4.67	(1.92)	(8.60)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PBFS Pioneer Bancorp, Inc.	$440.5M	25.2×	24.0×	+17.36% (above 0%: growing)	−46.15% (below 0%: shrinking)	+217.72% (above 0%: growing)	75.84%	0.00%	Compare
FRBA First Bank	$438.9M	10.3×	10.2×	−3.96% (below 0%: shrinking)	+7.32% (above 0%: growing)	−48.72% (below 0%: shrinking)	62.19%	0.00%	Compare
AVBC Avidia Bancorp, Inc.	$436.0M	23.1×	14.7×	+5.48% (above 0%: growing)	—	+391.37% (above 0%: growing)	76.31%	0.00%	Compare
RBB RBB Bancorp	$435.8M	10.5×	10.3×	−4.00% (below 0%: shrinking)	+13.21% (above 0%: growing)	+4.05% (above 0%: growing)	55.01%	0.00%	Compare
PLBC Plumas Bancorp	$431.8M	12.1×	9.7×	+44.00% (above 0%: growing)	+33.64% (above 0%: growing)	+446.81% (above 0%: growing)	86.85%	0.00%	Compare
CBK Commercial Bancgroup, Inc.	$431.5M	10.8×	10.3×	−0.84% (below 0%: shrinking)	+3.15% (above 0%: growing)	+28.43% (above 0%: growing)	73.67%	0.00%	Compare
BMRC Bank of Marin Bancorp	$427.4M	— (loss-making)	11.9×	+120.20% (above 0%: growing)	n/m	+67.51% (above 0%: growing)	74.60%	0.00%
CBAN Colony Bankcorp, Inc.	$425.1M	12.0×	10.7×	+23.45% (above 0%: growing)	+10.87% (above 0%: growing)	−48.88% (below 0%: shrinking)	72.54%	0.00%	Compare
USCB USCB Financial Holdings, Inc.	$412.5M	14.5×	9.3×	+9.15% (above 0%: growing)	+19.51% (above 0%: growing)	+34.55% (above 0%: growing)	64.78%	0.00%	Compare
Median of peers	$433.8M	12.0×	10.3×	+7.31%	+10.87%	+31.49%	73.11%	0.00%

All 323 Banks Regional stocks →

Bank of Marin Bancorp (BMRC) key facts

Concern: Bank of Marin Bancorp reported a net loss of $35.7 million, or a loss of $2.24 per share, for fiscal 2025.
Bank of Marin Bancorp (BMRC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, BMRC traded at $26.41, a market capitalization of $427.4 million.
Trailing earnings are negative, so a P/E ratio is not meaningful; the stock trades at 3.9× sales.
Bank of Marin Bancorp pays an annual dividend of $1.00 per share, a yield of 3.79%.
Return on equity was −8.60% and debt-to-equity 0.11.
Its Piotroski F-score is 4 out of 9 for fiscal 2025.