Bank of Marin Bancorp (BMRC) AI Stock Analysis

Bank of Marin Bancorp serves as the holding company for Bank of Marin, offering banking solutions primarily to small to medium-sized businesses, professionals, nonprofit organizations, and individuals in California. Its personal and business deposit offerings include checking, savings, retirement, health savings accounts, time certificates of deposit, and insured cash sweep services. The bank provides lending solutions such as commercial real estate loans, commercial and industrial loans, consumer loans, construction financing, and home equity lines of credit. It also offers merchant and cash management services, fraud detection, mobile deposit, image lockbox, and customized wealth management and trust services.

Between FY2021 and FY2025, revenue achieved a 5-year CAGR of 10.3%. Revenue rose from $118.5M in FY2021 to $140.7M in FY2022 and $141.7M in FY2023. Revenue fell 17.9% in FY2024 to $116.4M, resulting in an operating margin of -11.9% and net income of -$8.4M. In FY2025, revenue rebounded 51.8% to $176.7M with an operating margin of 29.2% and net income of $43.4M. For the trailing twelve months ended June 30, 2026, revenue stood at $60.4M with a profit margin of -23.6%. In the latest quarter ended June 30, 2026, quarterly revenue grew 275.4% year-over-year while quarterly earnings rose 76.7%.

As of June 30, 2026, Bank of Marin Bancorp held $1.52B in cash and short-term investments against total debt of $23.5M, resulting in net cash of $1.50B. Shareholders' equity was $396.7M, supported by total assets of $3.86B and a debt-to-equity ratio of 0.06. In FY2025, operating cash flow reached $39.1M and free cash flow was $37.3M. Capital deployment in FY2025 included $1.8M in capital expenditures, $3.3M spent on share buybacks, and $16.1M distributed in dividends.

Bank of Marin Bancorp closed at $26.41 on October 16, 2026, with a market capitalization of $427.7M. The stock trades at a forward P/E of 11.8x, compared to 10.8x for the median of its US-listed Financial Services peers. Its price-to-sales ratio is 7.1x, above the peer median of 3.2x, while its price-to-book ratio stands at 1.1x. Over the past year, BMRC delivered a 20.7% return, outperforming the S&P 500 return of 16.8%. Over five years, the stock returned -13.7% compared to an 83.0% gain for the benchmark.

The company pays a quarterly dividend totaling an annual forward dividend of $1.00 per share, representing a 3.79% dividend yield. Bank of Marin Bancorp has maintained 23 consecutive years of dividend payments with a 5-year annualized dividend growth rate of 1.7%. The payout ratio is 47.6%, and the most recent ex-dividend date was August 6, 2026.

Among 6 analysts covering the stock, recommendations stand at 1 Strong Buy, 1 Buy, and 4 Hold ratings. The mean price target is $31.60, representing a 19.7% premium over the last close of $26.41. For FY2026, consensus estimates project revenue of $138.8M and EPS of $2.27, representing 48.8% EPS growth. Over the last four quarters, the bank exceeded EPS estimates 2 times. The next earnings release date is October 26, 2026.

This page is an AI-written research summary of Bank of Marin Bancorp (BMRC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: BMRC income statement, BMRC balance sheet, BMRC key metrics, BMRC analyst forecast, BMRC chart. See the BMRC stock overview for the latest quote and news.