BMRC
NEUTRAL
$26.42
Live
Bank of Marin Bancorp · NASDAQ
Target $30.4
(+15.1%)
$19.14
52W Range
$28.48
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Confidence
65%
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.
Key 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
Operating margin of 33.43% reflects strong cost control and pricing power
Forward P/E of 11.51 implies significant earnings growth expectations are priced in
Key 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
Technical trend score of 10/100 signals strong bearish momentum despite fundamental improvements
Missing financial health data (Debt/Equity, Altman Z-Score, cash/debt levels) creates uncertainty in leverage and liquidity risk
AI Fair Value Estimate
Based on comprehensive analysis
$19.22
-27.3% below current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare BMRC against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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