BMRCNasdaqState Commercial BanksFiscal year ends December 31
Bank of Marin Bancorp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$26.07−0.34 (-1.29%)
Close on Oct 19, 2026
- Market cap
- $416.89M
- P/E (TTM)
- –
- Dividend yield
- 3.84%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
-121.4%−150.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -58.2% | -40.3% | -22.5% | -9.1% | |
| Free cash flow | +33.8% | -11.1% | -1.3% | +5.3% | |
| Dividend per share | 0.0% | +0.7% | +1.7% | +8.3% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.4% | 8.7% | -8.6% | |
| Return on assets | 1.1% | 1.1% | -0.9% | |
| Capex to revenue | 1.3% | 0.9% | 6.2% | |
| Diluted shares | 12M | 14M | 16M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Bank of Marin Bancorp generated $203.63M from operations and spent $134.17M on capital expenditure, dividends and share buybacks. 6% of that went back into the business.
Generated
$203.63M
Used
$134.17M
Capital expenditure$7.40M6%Dividends$77.21M58%Share buybacks$49.56M37%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-121.4%
×Asset turnover0.01×
×Equity multiplier9.16×
=Return on equity, FY2025-8.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -121.4% | 0.01× | 9.16× | -8.6% |
| FY2024 | -12.0% | 0.02× | 8.58× | -1.9% |
| FY2023 | 18.9% | 0.03× | 9.34× | 4.7% |
| FY2022 | 33.7% | 0.03× | 9.81× | 10.8% |
| FY2021 | 28.9% | 0.03× | 8.94× | 8.2% |
| FY2020 | 28.7% | 0.04× | 8.08× | 8.7% |
| FY2019 | 32.7% | 0.04× | 8.00× | 10.5% |
| FY2018 | 32.1% | 0.04× | 8.13× | 10.6% |
| FY2017 | 19.2% | 0.04× | 8.51× | 6.1% |
| FY2016 | 28.1% | 0.04× | 9.11× | 10.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero-$35.68M
- Cash generatingOperating cash flow above zero$39.08M
- Return on assets improvedROA up on the prior year-0.2% → -1.0%
- Earnings backed by cashOperating cash flow above net income$39.08M vs -$35.68M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise16M → 16M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.01