Bank of Marin Bancorp (BMRC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Bank of Marin Bancorp

NasdaqGS•Financial Services•Banks - Regional

$27.73+0.39(0.01%)Market closed

Market Cap

$442.99M

P/S

4.1x

P/B

1.1x

Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company 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. It also provides commercial real estate, commercial and industrial, small business, and consumer loans, as well as construction financing and home equity lines of credit. In addition, the company offers merchant and payroll services; commercial equipment leasing program; payment solutions; treasury management services; credit cards; automated teller machines; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, it provides wealth management and trust services comprising customized investment portfolio management, trust administration, estate settlement, and custody services; international banking; and telephone and digital banking services. The company was founded in 1989 and is headquartered in Novato, California.

How this company scores

AverageMetricSide Score: 53/100

Strongest: Cash & Earnings Quality (25/25); weakest: Growth (4/25).

Profitability11/25

Growth4/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowLong cash runwayLow leverageCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 39.2x5y range 7.0x – 52.8x

Currently above its 13-quarter median.

P/S · 4.1x5y range 2.2x – 5.5x

Currently above its 20-quarter median.

P/B · 1.1x5y range 0.7x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $442.99M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $109.14M
Q. Revenue: $45.51M
TTM EBITDA: $-21.35M
TTM Op. Income: $-23.33M
Q. Op. Income: $12.35M
TTM Net Income: $-14.26M
Q. Net Income: $9.25M
EPS: $0.58
Shares Out.: $15.95M

$109.14M in TTM revenue declined 20.5% YoY, reaching $45.51M last quarter. TTM EBITDA of $-21.35M and TTM operating income of $-23.33M show growth is flowing through to the bottom line. However, net income is negative at $14.26M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 74.6%
EBITDA Margin: 28.2%
Op. Margin: 27.1%
Net Margin: 20.3%

Op. margin of 27.1% is up 81.3% YoY — cost efficiency is improving. Net margin at 20.3% and gross margin of 74.6% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 150% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 4.1x
P/B Ratio: 1.1x

P/S of 4.1x and P/B of 1.1x. Over the past year, P/E is up 0% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.86B
Cash: $279.64M
Long-Term Debt: $44.58M
Book Value: $396.68M
D/E Ratio: 0.1
Debt/EBITDA: 3.5

With $3.86B in assets and $44.58M in long-term debt, D/E is 0.1and book value is $396.68M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 63905% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $12.17M
TTM Free Cash Flow: $38.33M
FCF Margin: 35.1%
FCF / Net Income: -2.7

TTM FCF of $38.33M on $12.17M in operating cash flow. The FCF / Net Income ratio of -2.7x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is up 20% — an improving trend.