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BMRC vs DFP

BMRC
Bank of Marin Bancorp
NEUTRAL
Price
$26.42
Market Cap
$425.2M
Sector
Financial Services
AI Confidence
65%
DFP
Flaherty & Crumrine Dynamic Preferred and Income Fund Inc.
BEARISH
Price
$20.85
Market Cap
$428.2M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BMRC
44.78
DFP
11.09
Forward P/E
BMRC
11.51
DFP
--
P/B Ratio
BMRC
0.95
DFP
--
P/S Ratio
BMRC
4.39
DFP
--
EV/EBITDA
BMRC
--
DFP
--

Profitability

Gross Margin
BMRC
0.0%
DFP
0.0%
Operating Margin
BMRC
33.43%
DFP
0.0%
Profit Margin
BMRC
10.18%
DFP
0.0%
ROE
BMRC
2.24%
DFP
--
ROA
BMRC
0.26%
DFP
--

Growth

Revenue Growth
BMRC
13.0%
DFP
--
Earnings Growth
BMRC
67.9%
DFP
--

Financial Health

Debt/Equity
BMRC
--
DFP
--
Current Ratio
BMRC
--
DFP
--
Quick Ratio
BMRC
--
DFP
--

Dividends

Dividend Yield
BMRC
3.64%
DFP
7.2%
Payout Ratio
BMRC
161.29%
DFP
74.78%

AI Verdict

BMRC NEUTRAL

BMRC exhibits mixed financial health with a Piotroski F-Score of 4/9 indicating stable but not strong fundamentals, and no available Altman Z-Score limits distress risk assessment. The stock trades at a significant premium to both Graham Number ($19.22) and intrinsic value ($17.40), supported by strong recent earnings growth (YoY EPS +67.9%) and improving profitability trends. However, elevated P/E of 44.78, declining technical trend (10/100), and a dangerously high payout ratio of 161.29% raise sustainability concerns. Analyst target of $30.40 suggests upside, but inconsistent quarterly beats and weak insider sentiment constrain bullish conviction.

Strengths
Strong year-over-year earnings growth (67.9%) and recent acceleration in EPS (Q/Q +30.6%)
High dividend yield of 3.64%, above sector average and attractive in current rate environment
Price/Book ratio of 0.95 suggests shares trade near book value, typical for regional banks
Risks
Piotroski F-Score of 4/9 indicates borderline financial health with potential weakness in profitability, leverage, or operating efficiency
Extremely high payout ratio (161.29%) threatens dividend sustainability and capital retention
Current P/E of 44.78 is drastically above forward P/E and sector average (20.86), suggesting overvaluation near term
DFP BEARISH

DFP exhibits severe fundamental weakness, highlighted by a critical Piotroski F-Score of 1/9, indicating poor financial health. The current market price of $20.85 trades at a significant premium to its growth-based intrinsic value of $13.16. While the dividend yield of 7.2% provides some income attraction, the technical trend is completely bearish (0/100) and insider sentiment is weak. The combination of poor deterministic health scores and overvaluation suggests a high risk of price correction.

Strengths
Attractive dividend yield of 7.20%
Sustainable payout ratio of 74.78%
Positive 1-year price performance (+13.8%)
Risks
Critical financial health (Piotroski F-Score 1/9)
Significant overvaluation relative to intrinsic value ($20.85 vs $13.16)
Zero technical momentum (Technical Trend 0/100)

Compare Another Pair

BMRC vs DFP: Head-to-Head Comparison

This page compares Bank of Marin Bancorp (BMRC) and Flaherty & Crumrine Dynamic Preferred and Income Fund Inc. (DFP) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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