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Company Analysis

Bank of Marin Bancorp BMRC

A comprehensive view of key metrics, scores, and financial health for Bank of Marin Bancorp

Overview of Bank of Marin Bancorp

BMRC NMS
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Bank of Marin Bancorp (BMRC), is a Small Cap company, in the Banks - Regional industry, last closed at $28.89, about 11.1% overvalued vs fair value, +11.5% 1Y return, placing in the top 10% of its sector.
Metrics Rev Growth -58.6% ROE -8.6% Gross Margin 465.1% Div Yield 3.85%
USD 28.89
0.03%
(Delayed)
• Vol 90d: 26.1%
52-Week Range
Market Cap
$467.90M
Enterprise Value
$232.22M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 88%
Confidence: 91%
Updated: Oct 24
Top Beats

Quick Facts

Website https://www.bankofmarin.com
HQ Novato, CA
Employees 312
Fiscal year Dec 31

Next Events

Earnings Oct 26 Call: Oct 26

Fair Value Snapshot

Bear Base Bull
$14
$26
$48
Current: $28.89 -11% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$152.4M
7.9%%
Interest Expense
$46.4M
Net Interest Income
$106.0M
15.8%%
Total Revenue
$28.9M
-58.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-9.0%
Poor

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Bank of Marin Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Industry-Leading Efficiency Operational efficiency is excellent (score 1.00).
  • Strong Net Interest Margin Net interest margin proxy is strong (score 1.00).

Key risks

  • Revenue Concentration Risk Revenue concentration is concerning (growth stability 0.17).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
35
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing BMRC's balance between Growth (35.2%), Profitability (11.0%), and Safety (53.8%). Growth 35% Safety 54% Profitability 11%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
41
Key Signals
NII Growth YoY 15.8% 68p Asset Growth YoY 5.5% 57p Equity Growth YoY -9.4% 5p EPS Growth YoY -3.27 2p
Strengths
  • Cash & Securities to Assets in top 20% of peers (39.2%, 96th percentile)
  • Debt/Assets in top 20% of peers (1.8%, 80th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Equity Growth YoY in bottom 20% of peers (-9.4%)
  • EPS Growth YoY in bottom 20% of peers (-3.27)

Profitability

12th percentile vs peers
13
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
62
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bank of Marin Bancorp.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$25.68
- - -
-11.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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