Bank of Marin Bancorp logo

Bank of Marin Bancorp

BMRC

NASDAQFinancial ServicesBanks - Regional

Previous close

$26.91

−$0.04 · -0.15%

Aug 21, 4:00 PM ET

BMRC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

92

Deep Value

Momentum

54

Neutral

Sentiment

66

Bullish

Risk resilience

72

Moderate Risk

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Company profile

Company website

Bank of Marin Bancorp functions as the parent organization for Bank of Marin, a financial institution delivering diverse services. It caters principally to small and mid-sized enterprises, independent professionals, non-profit groups, and private clientele across California. Deposit offerings include both personal and business checking and savings accounts, individual retirement accounts (IRAs), health savings accounts (HSAs), and specialized demand deposit marketplace accounts. Clients can also opt for time certificates of deposit (CDs), Certificate of Deposit Account Registry Service (CDARS), and Insured Cash Sweep (ICS) services. Its lending portfolio spans commercial real estate, commercial and industrial financing, and consumer loans, along with construction funding and home equity lines of credit. Beyond traditional banking, the bank provides business-focused solutions such as merchant and payroll services, comprehensive cash management, credit cards, and robust fraud detection tools. Digital conveniences include mobile and remote deposit capture, Automated Clearing House (ACH) transfers, wire services, and image lockbox functionality. Furthermore, the institution offers extensive wealth management and trust services, encompassing personalized investment portfolio management, financial planning, trust administration, estate settlement, custody services, and 401(k) plan administration. Customers also benefit from accessible ATMs and modern telephone and digital banking platforms. The bank maintains a physical network of twelve branch locations situated throughout Marin, southern Sonoma counties, and regions north of San Francisco, California, complemented by a dedicated loan production office within San Francisco. Founded in 1989, its corporate headquarters are based in Novato, California.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Timothy D. Myers
Listed since
Dec 23, 1999
Employees
311

Market position

Day range

Current $26.91

52-week range

Current $26.91

Open
$27.22
Previous close
$26.95
Volume
146.59K
1.05× average
Average volume
139.33K
Average daily volume
Market cap
435.66M USD
Beta
0.77
Market reference 1
50-day average
$27.9824
-3.83% below average
200-day average
$26.5983
+1.17% above average

Financials

Financial snapshot

Latest / TTM

Financial health

Altman Z-score
0.74
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends110%66%21%-23%Gross margin, FY2021: 99.19%Gross margin, FY2022: 98.46%Gross margin, FY2023: 72.50%Gross margin, FY2024: 55.38%Gross margin, FY2025: 76.08%Operating margin, FY2021: 37.89%Operating margin, FY2022: 45.14%Operating margin, FY2023: 18.37%Operating margin, FY2024: -11.89%Operating margin, FY2025: 29.21%Net margin, FY2021: 28.05%Net margin, FY2022: 33.11%Net margin, FY2023: 14.04%Net margin, FY2024: -7.23%Net margin, FY2025: 24.56%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.19%. Gross margin FY2022 98.46%. Gross margin FY2023 72.50%. Gross margin FY2024 55.38%. Gross margin FY2025 76.08%. Operating margin FY2021 37.89%. Operating margin FY2022 45.14%. Operating margin FY2023 18.37%. Operating margin FY2024 -11.89%. Operating margin FY2025 29.21%. Net margin FY2021 28.05%. Net margin FY2022 33.11%. Net margin FY2023 14.04%. Net margin FY2024 -7.23%. Net margin FY2025 24.56%.

Income trends

Revenue

176.73M USD+51.85%

Operating income

51.62M USD+65.45M USD

Net income

43.41M USD+51.82M USD
Income trends across reported periods195.79M USD119.56M USD43.34M USD−32.89M USDRevenue, FY2021: 118.46M USDRevenue, FY2022: 140.69M USDRevenue, FY2023: 141.7M USDRevenue, FY2024: 116.39M USDRevenue, FY2025: 176.73M USDOperating income, FY2021: 44.89M USDOperating income, FY2022: 63.51M USDOperating income, FY2023: 26.04M USDOperating income, FY2024: −13.84M USDOperating income, FY2025: 51.62M USDNet income, FY2021: 33.23M USDNet income, FY2022: 46.59M USDNet income, FY2023: 19.9M USDNet income, FY2024: −8.41M USDNet income, FY2025: 43.41M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 118.46M USD. Revenue FY2022 140.69M USD. Revenue FY2023 141.7M USD. Revenue FY2024 116.39M USD. Revenue FY2025 176.73M USD. Operating income FY2021 44.89M USD. Operating income FY2022 63.51M USD. Operating income FY2023 26.04M USD. Operating income FY2024 −13.84M USD. Operating income FY2025 51.62M USD. Net income FY2021 33.23M USD. Net income FY2022 46.59M USD. Net income FY2023 19.9M USD. Net income FY2024 −8.41M USD. Net income FY2025 43.41M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue176.73M USD116.39M USD141.7M USD140.69M USD118.46M USD
Cost of goods sold42.27M USD51.93M USD38.97M USD2.17M USD961K USD
Gross profit134.46M USD64.46M USD102.73M USD138.52M USD117.5M USD
Selling, general, and administrative60.42M USD48.85M USD47.78M USD45.42M USD44.69M USD
Operating expenses82.85M USD78.29M USD76.7M USD75.01M USD72.61M USD
Interest income152.43M USD141.27M USD139.49M USD130.04M USD108.35M USD
Interest expense42.2M USD46.61M USD36.73M USD2.55M USD3.4M USD
Depreciation and amortization2.14M USD2.44M USD3.45M USD3.33M USD2.88M USD
Operating income51.62M USD−13.84M USD26.04M USD63.51M USD44.89M USD
Net income43.41M USD−8.41M USD19.9M USD46.59M USD33.23M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
45%
5 beats, 6 misses, 0 met estimates
Average EPS surprise
-14.10%
11 comparable reports
Latest EPS result
0.58
Estimate 0.52 · Beat by 12.62%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.630.50.380.25Q1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 0.38, estimate 0.32, surprise +18.75%, Beat. Q2 2025, reported Apr 28, 2025: actual 0.3, estimate 0.32, surprise -6.25%, Miss. Q3 2025, reported Jul 28, 2025: actual 0.29, estimate 0.36, surprise -19.44%, Miss. Q4 2025, reported Oct 27, 2025: actual 0.47, estimate 0.42, surprise +11.90%, Beat. Q1 2026, reported Jan 26, 2026: actual 0.59, estimate 0.51, surprise +15.69%, Beat. Q2 2026, reported Apr 27, 2026: actual 0.53, estimate 0.56, surprise -5.36%, Miss. Q3 2026, reported Jul 27, 2026: actual 0.58, estimate 0.515, surprise +12.62%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 0.58, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates36.47M30.38M24.3M18.21MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 27.98M USD, estimate 28.19M USD, surprise -0.73%, Miss. Q2 2025, reported Apr 28, 2025: actual 26.89M USD, estimate 29.08M USD, surprise -7.55%, Miss. Q3 2025, reported Jul 28, 2025: actual 19.61M USD, estimate 29.07M USD, surprise -32.53%, Miss. Q4 2025, reported Oct 27, 2025: actual 29.78M USD, estimate 32.31M USD, surprise -7.82%, Miss. Q1 2026, reported Jan 26, 2026: actual 34M USD, estimate 33.1M USD, surprise +2.71%, Beat. Q2 2026, reported Apr 27, 2026: actual 34.14M USD, estimate 33.87M USD, surprise +0.79%, Beat. Q3 2026, reported Jul 27, 2026: actual 33.95M USD, estimate 34.02M USD, surprise -0.21%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 35.06M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

15 ratings
Strong buy00%
Buy640%
Hold960%
Sell00%
Strong sell00%

Recent analyst actions

4 institutions

BMRC news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.00

2025 complete year+6.4% since 2021

2026 partial: $0.75

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 6, 2026

$0.25

Quarterly

Record Aug 6, 2026 · Payment Aug 13, 2026

Dividend

Ex-dividend May 7, 2026

$0.25

Quarterly

Record May 7, 2026 · Payment May 14, 2026

Dividend

Ex-dividend Feb 5, 2026

$0.25

Quarterly

Record Feb 5, 2026 · Payment Feb 12, 2026

Dividend

Ex-dividend Nov 6, 2025

$0.25

Quarterly

Record Nov 6, 2025 · Payment Nov 13, 2025

Dividend

Ex-dividend Aug 7, 2025

$0.25

Quarterly

Record Aug 7, 2025 · Payment Aug 14, 2025

Dividend

Ex-dividend May 8, 2025

$0.25

Quarterly

Record May 8, 2025 · Payment May 15, 2025

BMRC peers

ETFs holding BMRC

Funds reporting this stock among their holdings, ordered by reported position size.

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