BMRC Bank of Marin Bancorp - Fundamental Analysis
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BMRC Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$26.42
Analyst Target
$30.4
+15.1%
Upside
52W High
$28.48
52W Low
$19.14
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$425.22M
P/E
44.78
ROE
2.2%
Profit margin
10.2%
Debt/Equity
N/A
Dividend yield
3.64%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
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 analysis across 5 key categories
Overall
49
Moderate
35
75
50
45
40
AI Verdict
Cautiously optimistic with significant caveats
Key drivers: Strong earnings growth trajectory, High dividend yield, Premium valuation multiples, Weak technical momentum, Questionable dividend sustainability
Confidence
70%
Value
35/100
Ref P/E, PEG, Graham Number
Positives
- Price/Book of 0.95 is reasonable for a regional bank
- Forward P/E of 11.51 suggests value on future earnings
Watchpoints
- Current P/E of 44.78 is extremely high
- Stock trades 37% above Graham Number ($19.22)
- No PEG ratio due to inconsistent growth or negative earnings in prior periods
Future
75/100
Ref Growth rates
Positives
- Revenue growth of 13.00% YoY
- Earnings growth of 67.90% YoY
- Q/Q earnings growth of 64.70% indicates accelerating momentum
Watchpoints
- Forward P/E compression from 44.78 to 11.51 implies growth expectations are already priced in
Past
50/100
Ref Historical trends
Positives
- History of mixed but generally positive earnings surprises in recent quarters
- Long-term earnings progression shows recovery from 2024 lows
Watchpoints
- Three major earnings misses in 2024 (Q1–Q3) with surprises below -30%
- Only 2 out of last 4 quarters beat estimates
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 indicates stable, not distressed, financial condition
Watchpoints
- No Altman Z-Score available limits distress risk analysis
- ROE of 2.24% and ROA of 0.26% are very low for a bank
- Missing Debt/Equity, cash, and debt figures prevent full solvency assessment
Dividend
40/100
Ref Yield, Payout
Positives
- Dividend yield of 3.64% is attractive in current market
Watchpoints
- Payout ratio of 161.29% is unsustainable long-term
- Dividend strength score of 20/100 indicates high risk of cut
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$26.42
Analyst Target
$30.4
Upside/Downside
+15.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BMRC and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BMRC
Bank of Marin Bancorp
Primary
|
-19.0% | +2.4% | +16.9% | +13.4% | -0.8% | -1.4% |
|
BFK
BlackRock Municipal Income Trust
Peer
|
-13.6% | +11.8% | +7.0% | +8.8% | +2.9% | -0.7% |
|
BGR
BlackRock Energy and Resources Trust
Peer
|
+168.3% | +43.1% | +22.1% | +17.5% | +12.3% | +2.4% |
|
BRBI
BRBI BR Partners S.A.
Peer
|
-37.0% | -37.0% | -37.0% | -37.0% | +6.4% | +5.7% |
|
ACNB
ACNB Corporation
Peer
|
+69.7% | +57.1% | +18.8% | +5.0% | -11.1% | -2.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
44.78
Forward P/E
11.51
PEG Ratio
N/A
P/B Ratio
0.95
P/S Ratio
4.39
EV/Revenue
2.28
EV/EBITDA
N/A
Market Cap
$425.22M
Profitability
Profit margins and return metrics
Profit Margin
10.18%
Operating Margin
33.43%
Gross Margin
N/A
ROE
2.24%
ROA
0.26%
Growth
Revenue and earnings growth rates
Revenue Growth
+13.0%
Earnings Growth
+67.9%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+64.7%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$13.76
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-26
$N/A
2025-10-27
$0.47
+13.7% surprise
2025-07-28
$0.36
+4.7% surprise
2025-04-28
$0.3
-4.8% surprise
Financial Services Sector Comparison
Comparing BMRC against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
44.78
This Stock
vs
30.41
Sector Avg
+47.2%
(Expensive)
Return on Equity (ROE)
2.24%
This Stock
vs
-7.57%
Sector Avg
-129.6%
(Below Avg)
Profit Margin
10.18%
This Stock
vs
82.83%
Sector Avg
-87.7%
(Weaker)
Revenue Growth
13.0%
This Stock
vs
28.13%
Sector Avg
-53.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BMRC
Bank of Marin Bancorp
|
NEUTRAL | $425.22M | 44.78 | 2.2% | 10.2% | $26.42 | |
|
BFK
BlackRock Municipal Income Trust
|
BEARISH | $442.06M | - | -% | -52.0% | $10.08 | |
|
BGR
BlackRock Energy and...
|
BEARISH | $391.63M | 1500.0 | -0.0% | -0.8% | $15.0 | |
|
BRBI
BRBI BR Partners S.A.
|
BEARISH | $377.72M | 10.74 | 20.9% | -% | $14.39 | |
|
ACNB
ACNB Corporation
|
NEUTRAL | $482.69M | 12.91 | 10.2% | 25.3% | $46.48 |
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
5 analysts
Keefe, Bruyette & Woods
2025-10-29
Outperform
Outperform
DA Davidson
2025-10-28
Buy
Buy
DA Davidson
2025-07-29
Buy
Buy
Past News Coverage
Recent headlines mentioning BMRC from our newsroom.
Newest → oldest
No matching news yet.