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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 Small Cap
Bank of Marin Bancorp (BMRC), is a Small Cap company, in the Banks - Regional industry, last closed at $25.96, about 11.1% undervalued vs fair value, +26.5% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 153.3% ROE 10.5% Gross Margin 76.1%
$25.96
2.61%
As of April 28, 2026
Previous close • Vol 90d: 27.5%
52-Week Range
Market Cap
$418.60M
Enterprise Value
$237.86M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$16
$29
$54
Current: $25.96 +11% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$141.3M
1.3%%
Interest Expense
$42.2M
Net Interest Income
$94.7M
-7.9%%
Total Revenue
$176.7M
153.3%%
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
-1.9%
Poor

Net Income / Equity - key bank profitability metric

Locked 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
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
46
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For informational purposes only. Not investment advice.

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 (25.7%), Profitability (36.0%), and Safety (38.4%). Growth 26% Safety 38% Profitability 36%

Click axes to expand details. Marker shows current allocation.

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Growth

26th percentile vs peers
26
Key Signals
Asset Growth YoY 5.5% 60p NII Growth YoY -7.9% 13p Equity Growth YoY -0.8% 9p EPS Growth YoY -1.42 6p
Strengths
  • Cash & Securities to Assets in top 20% of peers (34.3%, 97th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-7.9%)
  • Equity Growth YoY in bottom 20% of peers (-0.8%)
  • EPS Growth YoY in bottom 20% of peers (-1.42)

Profitability

36th percentile vs peers
36
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
39
Key Signals
Strengths
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Two Futures

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

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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:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$28.83
- - -
+11.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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