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Bank of Marin Bancorp (BMRC) stock analysis

BMRCNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 8/30
$28.52+0.03 (+0.11%)

Close on Nov 12, 2026Market cap $461.86MP/E –Yield 3.51%

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth0Performance0Health4Dividend3

Weak8 of 30 checks passed

Bank of Marin Bancorp passes 8 of the 30 checks behind our score; 15 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
0/6
Past performance
0/6
Financial health
4/6
Dividend
3/6

What stands out

  • Covered by free cash flow

    Dividends take 38.2% of free cash flow.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Well capitalized

    Equity is 9.8% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 62.5% of deposits, so lending is funded by customer deposits.

What to watch

  • Return on equity under 15%

    Return on equity was -2.9% over the last twelve months and averaged 2.6% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -40.3% a year over the last three fiscal years, short of the 10% we look for.

  • Return on assets under 1%

    Return on assets was -0.3%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Bank of Marin Bancorp's return on equity of -2.9% is below the Commercial Banks median of 11.5%.

Valuation1/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B below the industry

    Bank of Marin Bancorp's price-to-book of 1.22 is below the Commercial Banks median of 1.29.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -40.3% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growth against the industry

    Needs revenue for this year and last.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity under 15%

    Return on equity was -2.9% over the last twelve months and averaged 2.6% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -0.3%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Bank of Marin Bancorp's return on equity of -2.9% is below the Commercial Banks median of 11.5%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin against its history

    Needs five years of revenue and net income.

  • Net margin against the industry

    Needs revenue and net income.

Financial health4/6

  • Well capitalized

    Equity is 9.8% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 62.5% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.1% of loans; we look for at least 1%.

  • High cost base

    Non-interest expense takes 128% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 0.4% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    Bank of Marin Bancorp paid dividends worth 3.5% of the share price over the last twelve months.

  • Yield below Treasuries

    The 3.5% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Bank of Marin Bancorp yields 3.5%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Covered by free cash flow

    Dividends take 38.2% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Bank of Marin Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 13.6
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$3.22M
Value traded per 1% price move
$2.99M

Downside

Low risk

Typical loss in a bad month
11.9%
Volatility (annualized)
25%
Sharpe ratio, 1 year
0.20
Beta to the S&P 500 (5Y)
0.61

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

-121.4%−150.1 pts over 5 years

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