Zacks Investment Research·Jun 18, 2026
New Strong Sell Stocks for June 18thAOS, ARIS and BMRC have been added to the Zacks Rank #5 (Strong Sell) List on June 18, 2026.
Bank of Marin Bancorp(BMRC)Earnings, Financials & Key Ratios
BMRC•NASDAQ•Banking & Credit
$28.41
10.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutBank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, professionals, not-for-profit organizations, and individuals in California, the United States. It 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. The company also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, it offers merchant and payroll, and cash management services; credit cards; fraud detection tools; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, the company provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. It operates through 12 branch offices in Marin, southern Sonoma counties, and north of San Francisco, California; and a loan production office in San Francisco. The company was incorporated in 1989 and is headquartered in Novato, California.Show more
- Net Interest Income$110M+16.5%
- Total Revenue$177M+51.8%
- Net Income$43M+616.2%
- Return on Equity10.46%+643.8%
- Net Interest Margin2.82%+10.4%
- Efficiency Ratio46.88%-30.3%
- ROA1.14%+609.3%
- Equity / Assets10.11%-14.1%
- Book Value per Share24.82-8.5%
BMRC Price & Volume
Bank of Marin Bancorp (BMRC) stock price & volume — 10-year historical chart
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Earnings Volatility Masks Underlying Credit Quality Risks
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:CRE Concentration and Provisioning
Key Thesis Takeaways
- Bank of Marin Bancorp faces a challenging outlook characterized by inconsistent net interest income growth and significant earnings volatility, as evidenced by the swing from a $21.9 million loss in 2024Q2 to a $39.5 million profit in 2025Q4.
- The recent $12.5 million provision for loan losses in 2026Q1 suggests emerging credit stress within the commercial real estate portfolio that may threaten future capital adequacy.
- Investors should remain cautious as the bank struggles to maintain a stable net interest margin, which has stagnated between 0.6% and 0.8% over the past two years.
Verdict Logic
the sudden $12.5 million provision for loan losses in 2026Q1, combined with a stagnant net interest margin of 0.8% as of 2025Q4, indicates that the bank's fundamental profitability is currently too fragile to support a long-term investment thesis.
BMRC Growth Metrics
Bank of Marin Bancorp (BMRC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.44%
5 Years10.31%
3 Years7.9%
TTM-
Profit CAGR
10 Years8.94%
5 Years7.5%
3 Years-2.33%
TTM828.75%
EPS CAGR
10 Years6.03%
5 Years4.22%
3 Years-2.22%
TTM840%
Return on Capital
10 Years9.24%
5 Years5.88%
3 Years1.71%
Last Year2.36%
BMRC Recent Earnings
Bank of Marin Bancorp (BMRC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (36%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.53-5.4%
$0.56
Rev
$34M+0.8%
$34M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$2.49
—
Rev
$79M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.59+15.7%
$0.51
Rev
$34M+2.7%
$33M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.47+11.9%
$0.42
Rev
$30M-7.8%
$32M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.53vs $0.56-5.4% | $34Mvs $34M+0.8% |
| Q2 2026 | Mar 13, 2026 | $2.49 | $79M |
| Q1 2026 | Jan 26, 2026 | $0.59vs $0.51+15.7% | $34Mvs $33M+2.7% |
| Q4 2025 | Oct 27, 2025 | $0.47vs $0.42+11.9% | $30Mvs $32M-7.8% |
Based on last 12 quarters of dataView full earnings history →
Latest BMRC News
Recent stock market news and headlines for Bank of Marin Bancorp (BMRC)
Peers Comparison
Key metrics vs top competitors for Bank of Marin Bancorp (BMRC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $28.41 | $458.15M | 10.41 | 51.85% | 24.56% | 10.46% | 3.57% | |
| $58.77 | $1.38B | 12.97 | -12.64% | 42.07% | 12.26% | — | |
| $13.45 | $828.43M | 17.24 | 5.84% | 17.97% | 6.83% | — | |
| $22.58 | $3.06B | 14.86 | -2.33% | 32.4% | 9.16% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $167.96 | $10.84B | 13.66 | 5.7% | 20.43% | 14.64% | — |
Compare BMRC vs Peers
Bank of Marin Bancorp (BMRC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BMRC SEC Filings & Documents
Bank of Marin Bancorp (BMRC) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 27, 2026·SEC
Material company update
Apr 2, 2026·SEC
Material company update
Mar 18, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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BMRC Frequently Asked Questions
Bank of Marin Bancorp (BMRC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Bank of Marin Bancorp growing?
Bank of Marin Bancorp (BMRC) grew revenue by 51.8% over the past year. This is strong growth.
Is BMRC profitable?
Yes, Bank of Marin Bancorp (BMRC) is profitable, generating $47.0M in net income for fiscal year 2025 (24.6% net margin).
Dividend & Returns
Does BMRC pay dividends?
Yes, Bank of Marin Bancorp (BMRC) pays a dividend with a yield of 3.57%. This makes it attractive for income-focused investors.
What is BMRC's return on equity?
Bank of Marin Bancorp (BMRC) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.
Industry Metrics
What is Bank of Marin Bancorp's net interest margin?
Bank of Marin Bancorp (BMRC) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
What is Bank of Marin Bancorp's efficiency ratio?
Bank of Marin Bancorp (BMRC) has an efficiency ratio of 46.9%. This is excellent, indicating strong cost control.