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Bank of Marin Bancorp (BMRC) Financials

Bank of Marin Bancorp logo
$20.92 +0.06 (+0.26%)
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Annual Income Statements for Bank of Marin Bancorp

Annual Income Statements for Bank of Marin Bancorp

This table shows Bank of Marin Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 -8.41 20 47
Consolidated Net Income / (Loss)		 -8.41 20 47
Net Income / (Loss) Continuing Operations		 -8.41 20 47
Total Pre-Tax Income 		-14 26 64
Total Revenue		 73 108 138
Net Interest Income / (Expense)		 95 103 127
Total Interest Income		 141 139 130
Loans and Leases Interest Income		 101 99 94
Investment Securities Interest Income		 33 39 35
Federal Funds Sold and Securities Borrowed Interest Income		 6.71 2.33 1.41
Total Interest Expense		 47 37 2.55
Deposits Interest Expense		 46 25 2.46
Long-Term Debt Interest Expense		 0.24 12 0.09
Total Non-Interest Income		 -21 4.99 11
Other Service Charges		 7.99 7.82 8.68
Net Realized & Unrealized Capital Gains on Investments		 -33 -5.89 -0.06
Other Non-Interest Income		 3.19 3.07 2.29
Provision for Credit Losses		 5.32 2.23 -0.38
Total Non-Interest Expense		 82 79 75
Salaries and Employee Benefits		 45 43 42
Net Occupancy & Equipment Expense		 9.93 9.88 10
Property & Liability Insurance Claims		 1.86 1.88 1.18
Other Operating Expenses		 23 21 19
Depreciation Expense		 1.47 2.10 1.84
Amortization Expense		 0.98 1.35 1.49
Income Tax Expense		 -5.43 6.14 17
Basic Earnings per Share		 ($0.52) $1.24 $2.93
Weighted Average Basic Shares Outstanding		 16.04M 16.01M 15.92M
Diluted Earnings per Share		 ($0.52) $1.24 $2.92
Weighted Average Diluted Shares Outstanding		 16.04M 16.03M 15.97M
Weighted Average Basic & Diluted Shares Outstanding		 16.12M 16.19M 16.06M
Cash Dividends to Common per Share		 $1.00 $1.00 $0.98

Quarterly Income Statements for Bank of Marin Bancorp

This table shows Bank of Marin Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 6.00 4.57 -22 2.92 0.61 5.30 4.55 9.44 13 12
Consolidated Net Income / (Loss)		 6.00 4.57 -22 2.92 0.61 5.30 4.55 9.44 13 12
Net Income / (Loss) Continuing Operations		 6.00 4.57 -22 2.92 0.61 5.30 4.55 9.44 13 12
Total Pre-Tax Income 		9.65 6.97 -34 3.93 0.39 6.90 5.87 13 18 17
Total Revenue		 28 27 -7.29 25 21 27 27 33 36 36
Net Interest Income / (Expense)		 25 24 22 23 24 24 24 30 33 33
Total Interest Income		 36 36 34 34 35 35 35 34 34 34
Loans and Leases Interest Income		 26 25 25 25 25 25 25 24 24 23
Investment Securities Interest Income		 8.38 7.59 8.30 8.81 9.29 9.35 9.99 10 10 9.67
Federal Funds Sold and Securities Borrowed Interest Income		 2.23 3.24 0.92 0.32 1.17 1.06 0.05 0.06 0.58 0.55
Total Interest Expense		 11 12 12 11 11 11 10 4.45 0.83 0.55
Deposits Interest Expense		 11 12 12 11 9.78 8.04 5.62 1.73 0.74 0.55
Long-Term Debt Interest Expense		 0.00 0.00 0.15 0.09 1.38 2.59 4.87 2.72 0.09 0.00
Total Non-Interest Income		 2.75 2.89 -30 2.75 -3.28 2.60 2.74 2.94 2.59 2.72
Other Service Charges		 1.95 2.10 2.00 1.94 1.91 1.89 2.09 1.93 1.99 2.31
Other Non-Interest Income		 0.80 0.79 0.79 0.81 0.71 0.70 0.65 1.01 0.59 0.47
Total Non-Interest Expense		 18 20 22 21 19 20 21 20 18 19
Salaries and Employee Benefits		 9.41 11 12 12 10 11 11 11 9.60 11
Net Occupancy & Equipment Expense		 2.56 2.50 2.50 2.37 2.37 2.38 2.34 2.78 2.76 2.51
Property & Liability Insurance Claims		 0.42 0.58 0.43 0.44 0.45 0.47 0.67 0.29 0.29 0.30
Other Operating Expenses		 5.37 5.91 5.98 5.64 5.38 5.40 5.51 4.55 4.71 4.52
Depreciation Expense		 0.34 0.36 0.38 0.39 0.39 0.42 0.40 0.88 0.58 0.41
Amortization Expense		 0.24 0.24 0.25 0.25 0.33 0.34 0.34 0.35 0.37 0.37
Income Tax Expense		 3.64 2.40 -12 1.01 -0.22 1.60 1.32 3.44 4.77 4.48
Basic Earnings per Share		 $0.38 $0.28 ($1.36) $0.18 $0.04 $0.33 $0.28 $0.59 $0.81 $0.76
Weighted Average Basic Shares Outstanding		 16.04M 16.04M 16.11M 16.08M 16.01M 16.03M 16.01M 15.97M 15.92M 15.94M
Diluted Earnings per Share		 $0.38 $0.28 ($1.36) $0.18 $0.04 $0.33 $0.28 $0.59 $0.81 $0.76
Weighted Average Diluted Shares Outstanding		 16.04M 16.07M 16.11M 16.09M 16.03M 16.04M 16.02M 16.00M 15.97M 15.97M
Weighted Average Basic & Diluted Shares Outstanding		 16.12M 16.08M 16.28M 16.29M 16.19M 16.14M 16.12M 16.12M 16.06M 16.03M
Cash Dividends to Common per Share		 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25

Annual Cash Flow Statements for Bank of Marin Bancorp

This table details how cash moves in and out of Bank of Marin Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 107 -15 -302
Net Cash From Operating Activities		 28 36 55
Net Cash From Continuing Operating Activities		 28 36 55
Net Income / (Loss) Continuing Operations		 -8.41 20 47
Consolidated Net Income / (Loss)		 -8.41 20 47
Provision For Loan Losses		 5.32 2.23 -0.38
Depreciation Expense		 1.47 2.10 1.84
Amortization Expense		 3.40 6.84 7.83
Non-Cash Adjustments to Reconcile Net Income		 33 6.37 1.88
Changes in Operating Assets and Liabilities, net		 -6.52 -1.77 -2.48
Net Cash From Investing Activities		 195 335 -218
Net Cash From Continuing Investing Activities		 195 335 -218
Purchase of Property, Leasehold Improvements and Equipment		 -0.52 -1.75 -2.27
Purchase of Investment Securities		 -201 -0.04 -568
Sale of Property, Leasehold Improvements and Equipment		 0.02 0.00 0.00
Sale and/or Maturity of Investments		 370 320 188
Other Investing Activities, net		 26 17 164
Net Cash From Financing Activities		 -117 -385 -139
Net Cash From Continuing Financing Activities		 -117 -385 -139
Net Change in Deposits		 -70 -283 -235
Issuance of Debt		 -26 -86 112
Issuance of Common Equity		 0.04 0.05 0.08
Repayment of Debt		 -0.15 -0.15 -0.13
Repurchase of Common Equity		 -4.25 0.00 -1.25
Payment of Dividends		 -16 -16 -16
Other Financing Activities, Net		 -0.06 0.16 0.78
Cash Interest Paid		 46 34 2.56
Cash Income Taxes Paid		 2.25 8.43 14

Quarterly Cash Flow Statements for Bank of Marin Bancorp

This table details how cash moves in and out of Bank of Marin Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -92 -2.24 195 5.86 -93 83 1.66 -7.43 -140 70
Net Cash From Operating Activities		 11 9.88 3.45 4.33 0.79 13 8.05 13 16 19
Net Cash From Continuing Operating Activities		 11 9.88 3.45 4.33 0.79 13 8.05 13 16 19
Net Income / (Loss) Continuing Operations		 6.00 4.57 -22 2.92 0.61 5.29 4.55 9.44 13 12
Consolidated Net Income / (Loss)		 6.00 4.57 -22 2.92 0.61 5.29 4.55 9.44 13 12
Depreciation Expense		 0.34 0.36 0.38 0.39 0.39 0.42 0.40 0.88 0.58 0.41
Amortization Expense		 -0.50 0.78 1.56 1.56 1.09 1.87 1.89 1.99 1.91 2.25
Non-Cash Adjustments to Reconcile Net Income		 -0.15 0.42 32 0.38 6.29 0.17 0.05 -0.14 0.18 1.01
Changes in Operating Assets and Liabilities, net		 5.02 3.98 -14 -1.27 -8.90 5.19 0.83 1.10 0.78 3.08
Net Cash From Investing Activities		 -9.28 -99 266 38 158 128 36 12 65 -18
Net Cash From Continuing Investing Activities		 -9.28 -99 266 38 158 128 36 12 65 -18
Purchase of Property, Leasehold Improvements and Equipment		 -0.16 -0.11 -0.09 -0.16 -0.01 0.09 -0.39 -1.44 -1.50 -0.41
Purchase of Investment Securities		 -30 -150 -19 -1.21 -0.00 - -0.00 -0.04 -31 -85
Sale and/or Maturity of Investments		 15 23 313 20 148 112 27 33 31 64
Other Investing Activities, net		 6.64 28 -28 19 10 16 9.80 -19 66 4.06
Net Cash From Financing Activities		 -93 87 -74 -36 -252 -58 -43 -33 -221 68
Net Cash From Continuing Financing Activities		 -93 87 -74 -36 -252 -58 -43 -33 -221 68
Net Change in Deposits		 -89 95 -70 -5.97 -154 118 75 -323 -329 72
Issuance of Common Equity		 0.01 0.01 0.01 0.01 0.01 0.02 0.01 0.01 0.02 0.03
Repayment of Debt		 -0.04 -0.04 -0.04 -0.04 -0.04 -0.04 -0.04 -0.04 -0.04 -0.03
Repurchase of Common Equity		 -0.02 - - - - - - - - -
Payment of Dividends		 -4.02 -4.06 -4.07 -4.04 -4.04 -4.03 -4.03 -4.01 -4.01 -4.00
Cash Interest Paid		 11 12 12 11 11 8.89 9.86 4.29 0.84 0.54
Cash Income Taxes Paid		 0.15 - 2.10 0.00 8.43 - - 0.00 2.66 2.63

Annual Balance Sheets for Bank of Marin Bancorp

This table presents Bank of Marin Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 3,701 3,804 4,147
Restricted Cash		 137 30 45
Trading Account Securities		 1,267 1,477 1,774
Loans and Leases, Net of Allowance		 2,053 2,049 2,070
Loans and Leases		 2,083 2,074 2,093
Allowance for Loan and Lease Losses		 31 25 23
Premises and Equipment, Net		 6.83 7.79 8.13
Goodwill		 73 73 73
Intangible Assets		 2.79 3.77 5.12
Other Assets		 162 163 172
Total Liabilities & Shareholders' Equity		 3,701 3,804 4,147
Total Liabilities		 3,266 3,365 3,735
Non-Interest Bearing Deposits		 1,400 1,442 1,839
Interest Bearing Deposits		 1,820 1,848 1,734
Long-Term Debt		 0.15 26 112
Other Long-Term Liabilities		 46 48 50
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 435 439 412
Total Preferred & Common Equity		 435 439 412
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 435 439 412
Common Stock		 216 217 215
Retained Earnings		 250 275 271
Accumulated Other Comprehensive Income / (Loss)		 -30 -53 -74

Quarterly Balance Sheets for Bank of Marin Bancorp

This table presents Bank of Marin Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 3,793 3,695 3,767 4,036 4,092 4,135 4,349
Restricted Cash		 229 231 36 123 40 - -
Trading Account Securities		 1,257 1,158 1,451 1,594 1,718 1,756 960
Loans and Leases, Net of Allowance		 2,059 2,052 2,029 2,063 2,079 2,089 -23
Loans and Leases		 2,090 2,082 2,055 2,087 2,103 2,112 -
Allowance for Loan and Lease Losses		 31 31 26 24 24 23 23
Premises and Equipment, Net		 7.01 7.26 7.55 8.17 8.68 8.69 7.10
Goodwill		 73 73 73 73 73 73 73
Intangible Assets		 3.03 3.27 3.52 4.10 4.43 4.77 5.48
Other Assets		 164 171 166 171 170 2,255 3,141
Total Liabilities & Shareholders' Equity		 3,793 3,695 3,767 4,036 4,092 4,135 4,349
Total Liabilities		 3,356 3,260 3,330 3,617 3,668 3,705 3,952
Non-Interest Bearing Deposits		 1,473 1,418 1,444 1,642 1,589 1,637 2,052
Interest Bearing Deposits		 1,836 1,796 1,840 1,801 1,736 1,614 1,851
Long-Term Debt		 0.19 0.23 0.26 120 293 406 0.37
Other Long-Term Liabilities		 46 46 46 53 50 49 49
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 437 435 437 419 424 430 397
Total Preferred & Common Equity		 437 435 437 419 424 430 397
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 437 435 437 419 424 430 397
Common Stock		 215 219 218 217 217 216 215
Retained Earnings		 248 247 273 278 277 276 262
Accumulated Other Comprehensive Income / (Loss)		 -26 -31 -55 -77 -69 -62 -80

Annual Metrics And Ratios for Bank of Marin Bancorp

This table displays calculated financial ratios and metrics derived from Bank of Marin Bancorp's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -31.97% -22.14% 20.26%
EBITDA Growth		 -125.66% -52.21% 42.98%
EBIT Growth		 -153.14% -59.00% 41.49%
NOPAT Growth		 -148.68% -57.29% 40.20%
Net Income Growth		 -142.27% -57.29% 40.20%
EPS Growth		 -141.94% -57.53% 26.96%
Operating Cash Flow Growth		 -20.45% -35.49% 22.15%
Free Cash Flow Firm Growth		 -74.56% 391.13% 51.91%
Invested Capital Growth		 -6.40% -11.28% 16.36%
Revenue Q/Q Growth		 10.56% -12.20% 1.92%
EBITDA Q/Q Growth		 45.89% -34.31% 8.18%
EBIT Q/Q Growth		 40.08% -39.86% 6.88%
NOPAT Q/Q Growth		 40.08% -38.15% 7.29%
Net Income Q/Q Growth		 39.07% -38.15% 7.29%
EPS Q/Q Growth		 39.53% -38.31% 8.55%
Operating Cash Flow Q/Q Growth		 53.84% -30.35% 6.55%
Free Cash Flow Firm Q/Q Growth		 -76.51% 171.99% -125.76%
Invested Capital Q/Q Growth		 -0.36% -13.65% 32.14%
Profitability Metrics		 - - -
EBITDA Margin		 -12.24% 32.46% 52.88%
EBIT Margin		 -18.87% 24.16% 45.89%
Profit (Net Income) Margin		 -11.47% 18.46% 33.66%
Tax Burden Percent		 60.78% 76.41% 73.35%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 23.59% 26.65%
Return on Invested Capital (ROIC)		 -2.15% 4.02% 9.55%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.49% 4.02% 9.55%
Return on Net Nonoperating Assets (RNNOA)		 0.23% 0.66% 1.25%
Return on Equity (ROE)		 -1.92% 4.67% 10.80%
Cash Return on Invested Capital (CROIC)		 4.47% 15.97% -5.57%
Operating Return on Assets (OROA)		 -0.37% 0.65% 1.50%
Return on Assets (ROA)		 -0.22% 0.50% 1.10%
Return on Common Equity (ROCE)		 -1.92% 4.67% 10.80%
Return on Equity Simple (ROE_SIMPLE)		 -1.93% 4.53% 11.30%
Net Operating Profit after Tax (NOPAT)		 -9.68 20 47
NOPAT Margin		 -13.21% 18.46% 33.66%
Net Nonoperating Expense Percent (NNEP)		 -9.64% 0.00% 0.00%
SG&A Expenses to Revenue		 74.50% 49.49% 37.62%
Operating Expenses to Revenue		 111.62% 73.76% 54.39%
Earnings before Interest and Taxes (EBIT)		 -14 26 64
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -8.97 35 73
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.87 0.76 1.14
Price to Tangible Book Value (P/TBV)		 1.05 0.92 1.41
Price to Revenue (P/Rev)		 5.17 3.10 3.39
Price to Earnings (P/E)		 0.00 16.77 10.08
Dividend Yield		 4.25% 4.84% 3.34%
Earnings Yield		 0.00% 5.96% 9.92%
Enterprise Value to Invested Capital (EV/IC)		 0.55 0.71 1.02
Enterprise Value to Revenue (EV/Rev)		 3.29 3.06 3.88
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 9.42 7.33
Enterprise Value to EBIT (EV/EBIT)		 0.00 12.65 8.45
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 16.56 11.52
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.51 9.24 9.71
Enterprise Value to Free Cash Flow (EV/FCFF)		 12.00 4.17 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.00 0.06 0.27
Long-Term Debt to Equity		 0.00 0.06 0.27
Financial Leverage		 0.03 0.16 0.13
Leverage Ratio		 8.58 9.34 9.81
Compound Leverage Factor		 8.58 9.34 9.81
Debt to Total Capital		 0.04% 5.65% 21.44%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.04% 5.65% 21.44%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 99.96% 94.35% 78.56%
Debt to EBITDA		 -0.02 0.75 1.54
Net Debt to EBITDA		 15.28 -0.12 0.92
Long-Term Debt to EBITDA		 -0.02 0.75 1.54
Debt to NOPAT		 -0.02 1.32 2.41
Net Debt to NOPAT		 14.16 -0.21 1.44
Long-Term Debt to NOPAT		 -0.02 1.32 2.41
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 20 79 -27
Operating Cash Flow to CapEx		 5,684.37% 2,038.82% 2,439.41%
Free Cash Flow to Firm to Interest Expense		 0.43 2.15 -10.65
Operating Cash Flow to Interest Expense		 0.61 0.97 21.69
Operating Cash Flow Less CapEx to Interest Expense		 0.60 0.92 20.80
Efficiency Ratios		 - - -
Asset Turnover		 0.02 0.03 0.03
Fixed Asset Turnover		 10.02 13.53 17.64
Capital & Investment Metrics		 - - -
Invested Capital		 436 465 525
Invested Capital Turnover		 0.16 0.22 0.28
Increase / (Decrease) in Invested Capital		 -30 -59 74
Enterprise Value (EV)		 241 329 537
Market Capitalization		 379 334 470
Book Value per Share		 $27.07 $27.20 $25.71
Tangible Book Value per Share		 $22.38 $22.46 $20.85
Total Capital		 436 465 525
Total Debt		 0.15 26 112
Total Long-Term Debt		 0.15 26 112
Net Debt		 -137 -4.16 67
Capital Expenditures (CapEx)		 0.50 1.75 2.27
Net Nonoperating Expense (NNE)		 -1.28 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.15 26 112
Total Depreciation and Amortization (D&A)		 4.86 8.94 9.67
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 ($0.52) $1.24 $2.93
Adjusted Weighted Average Basic Shares Outstanding		 16.04M 16.01M 15.92M
Adjusted Diluted Earnings per Share		 ($0.52) $1.24 $2.92
Adjusted Weighted Average Diluted Shares Outstanding		 16.04M 16.03M 15.97M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 16.12M 16.19M 16.06M
Normalized Net Operating Profit after Tax (NOPAT)		 -9.68 20 47
Normalized NOPAT Margin		 -13.21% 18.46% 33.66%
Pre Tax Income Margin		 -18.87% 24.16% 45.89%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 -0.30 0.71 24.92
NOPAT to Interest Expense		 -0.21 0.54 18.28
EBIT Less CapEx to Interest Expense		 -0.31 0.66 24.03
NOPAT Less CapEx to Interest Expense		 -0.22 0.49 17.39
Payout Ratios		 - - -
Dividend Payout Ratio		 -192.62% 80.96% 33.64%
Augmented Payout Ratio		 -243.19% 80.96% 36.33%

Quarterly Metrics And Ratios for Bank of Marin Bancorp

This table displays calculated financial ratios and metrics derived from Bank of Marin Bancorp's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 33.38% 0.33% -127.12% -22.50% -41.65% -24.29% -20.80% 0.21% 7.81% 14.15%
EBITDA Growth		 406.35% -11.75% -497.38% -62.66% -90.70% -52.41% -53.84% -1.88% 37.92% 193.29%
EBIT Growth		 2,366.75% 1.13% -685.52% -69.49% -97.78% -58.59% -60.90% -9.27% 30.16% 143.71%
NOPAT Growth		 885.39% -13.69% -628.84% -69.05% -95.27% -56.51% -58.87% -9.79% 32.60% 130.48%
Net Income Growth		 885.39% -13.69% -581.26% -69.05% -95.27% -56.51% -58.87% -9.79% 32.60% 130.48%
EPS Growth		 850.00% -15.15% -585.71% -69.49% -95.06% -56.58% -59.42% -10.61% 39.66% 117.14%
Operating Cash Flow Growth		 1,261.37% -26.16% -57.18% -67.82% -95.18% -30.86% -0.92% 17.12% 26.29% 54.04%
Free Cash Flow Firm Growth		 -40.11% 177.81% 185.18% 199.07% 198.22% -284.25% -506.78% -576.13% 23.91% 179.55%
Invested Capital Growth		 -6.40% -18.89% -39.27% -47.73% -11.28% 35.77% 74.79% 98.67% 16.36% -13.51%
Revenue Q/Q Growth		 3.04% 472.63% -128.64% 21.30% -22.49% 0.74% -18.17% -8.69% 0.58% 5.38%
EBITDA Q/Q Growth		 16.96% 124.99% -651.90% 213.88% -79.62% 12.54% -48.14% -21.80% 4.27% 9.18%
EBIT Q/Q Growth		 38.32% 120.28% -975.08% 904.86% -94.33% 17.42% -54.40% -27.02% 5.99% 10.86%
NOPAT Q/Q Growth		 31.31% 118.99% -923.66% 379.80% -88.50% 16.35% -51.79% -26.71% 5.81% 10.01%
Net Income Q/Q Growth		 31.31% 120.87% -849.56% 379.80% -88.50% 16.35% -51.79% -26.71% 5.81% 10.01%
EPS Q/Q Growth		 35.71% 120.59% -855.56% 350.00% -87.88% 17.86% -52.54% -27.16% 6.58% 10.14%
Operating Cash Flow Q/Q Growth		 8.49% 186.34% -20.27% 449.68% -94.12% 66.05% -40.09% -17.65% -15.60% 137.95%
Free Cash Flow Firm Q/Q Growth		 -66.34% -58.65% -36.00% 572.40% 143.73% 54.74% 25.56% -566.64% -182.03% 249.05%
Invested Capital Q/Q Growth		 -0.36% 0.45% -0.40% -6.11% -13.65% -24.78% -14.29% 59.38% 32.14% -3.16%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 33.89% 29.86% 0.00% 23.10% 8.93% 33.95% 30.39% 47.95% 56.00% 54.01%
EBIT Margin		 34.47% 25.68% 0.00% 15.44% 1.86% 25.47% 21.85% 39.22% 49.08% 46.57%
Profit (Net Income) Margin		 21.45% 16.83% 0.00% 11.48% 2.90% 19.56% 16.94% 28.75% 35.82% 34.05%
Tax Burden Percent		 62.22% 65.54% 63.70% 74.37% 155.75% 76.79% 77.50% 73.30% 72.99% 73.12%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 37.78% 34.46% 0.00% 25.63% -55.75% 23.21% 22.50% 26.70% 27.01% 26.88%
Return on Invested Capital (ROIC)		 3.49% 2.29% 0.00% 1.81% 0.63% 5.13% 3.95% 6.34% 10.17% 10.80%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.49% 2.29% 0.00% 1.81% 0.63% 5.13% 3.95% 6.34% 10.17% 10.80%
Return on Net Nonoperating Assets (RNNOA)		 0.11% 0.32% 0.00% 0.85% 0.10% 0.76% 1.39% 3.03% 1.33% 0.01%
Return on Equity (ROE)		 3.60% 2.61% 0.00% 2.66% 0.73% 5.89% 5.34% 9.36% 11.50% 10.82%
Cash Return on Invested Capital (CROIC)		 4.47% 17.55% 46.04% 64.80% 15.97% -23.47% -47.50% -58.82% -5.57% 24.64%
Operating Return on Assets (OROA)		 0.67% 0.43% 0.00% 0.39% 0.05% 0.75% 0.68% 1.28% 1.61% 1.47%
Return on Assets (ROA)		 0.42% 0.29% 0.00% 0.29% 0.08% 0.57% 0.53% 0.94% 1.17% 1.07%
Return on Common Equity (ROCE)		 3.60% 2.61% 0.00% 2.66% 0.73% 5.89% 5.34% 9.36% 11.50% 10.82%
Return on Equity Simple (ROE_SIMPLE)		 0.00% -3.16% -3.01% 3.06% 0.00% 7.68% 9.21% 10.59% 0.00% 10.95%
Net Operating Profit after Tax (NOPAT)		 6.00 4.57 -24 2.92 0.61 5.30 4.55 9.44 13 12
NOPAT Margin		 21.45% 16.83% 0.00% 11.48% 2.90% 19.56% 16.94% 28.75% 35.82% 34.05%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% -1.48% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.78% 49.06% 0.00% 56.80% 60.68% 48.49% 51.19% 41.77% 34.38% 36.56%
Operating Expenses to Revenue		 65.53% 75.18% 0.00% 83.19% 91.94% 72.96% 76.91% 60.24% 50.92% 52.25%
Earnings before Interest and Taxes (EBIT)		 9.65 6.97 -34 3.93 0.39 6.90 5.87 13 18 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.48 8.11 -32 5.88 1.87 9.19 8.17 16 20 19
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.87 0.73 0.59 0.59 0.76 0.65 0.61 0.73 1.14 1.07
Price to Tangible Book Value (P/TBV)		 1.05 0.89 0.71 0.72 0.92 0.80 0.75 0.90 1.41 1.33
Price to Revenue (P/Rev)		 5.17 4.84 3.85 2.58 3.10 2.22 1.98 2.28 3.39 3.13
Price to Earnings (P/E)		 0.00 0.00 0.00 19.33 16.77 8.48 6.67 6.93 10.08 9.77
Dividend Yield		 4.25% 5.07% 6.39% 6.26% 4.84% 5.91% 6.19% 5.03% 3.34% 3.66%
Earnings Yield		 0.00% 0.00% 0.00% 5.17% 5.96% 11.80% 15.00% 14.43% 9.92% 10.23%
Enterprise Value to Invested Capital (EV/IC)		 0.55 0.21 0.05 0.51 0.71 0.50 0.72 0.82 1.02 0.60
Enterprise Value to Revenue (EV/Rev)		 3.29 1.38 0.36 2.22 3.06 2.20 3.91 4.94 3.88 1.76
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 8.86 9.42 5.07 8.10 9.38 7.33 3.54
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 13.02 12.65 6.23 9.68 10.99 8.45 4.03
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 16.63 16.56 8.39 13.14 15.01 11.52 5.51
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.51 4.98 1.09 8.38 9.24 5.27 8.98 11.94 9.71 4.61
Enterprise Value to Free Cash Flow (EV/FCFF)		 12.00 1.07 0.09 0.54 4.17 0.00 0.00 0.00 0.00 2.27
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.06 0.29 0.69 0.94 0.27 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.06 0.29 0.69 0.94 0.27 0.00
Financial Leverage		 0.03 0.14 0.34 0.47 0.16 0.15 0.35 0.48 0.13 0.00
Leverage Ratio		 8.58 9.15 9.07 9.12 9.34 10.28 10.10 9.95 9.81 10.07
Compound Leverage Factor		 8.58 9.15 9.07 9.12 9.34 10.28 10.10 9.95 9.81 10.07
Debt to Total Capital		 0.04% 0.04% 0.05% 0.06% 5.65% 22.33% 40.83% 48.54% 21.44% 0.09%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.04% 0.04% 0.05% 0.06% 5.65% 22.33% 40.83% 48.54% 21.44% 0.09%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 99.96% 99.96% 99.95% 99.94% 94.35% 77.67% 59.17% 51.46% 78.56% 99.91%
Debt to EBITDA		 -0.02 -0.01 -0.01 0.01 0.75 2.26 4.62 5.57 1.54 0.01
Net Debt to EBITDA		 15.28 13.81 14.91 -1.44 -0.12 -0.05 3.99 5.05 0.92 -2.74
Long-Term Debt to EBITDA		 -0.02 -0.01 -0.01 0.01 0.75 2.26 4.62 5.57 1.54 0.01
Debt to NOPAT		 -0.02 -0.01 -0.01 0.02 1.32 3.74 7.49 8.91 2.41 0.01
Net Debt to NOPAT		 14.16 14.17 14.26 -2.69 -0.21 -0.09 6.48 8.07 1.44 -4.27
Long-Term Debt to NOPAT		 -0.02 -0.01 -0.01 0.02 1.32 3.74 7.49 8.91 2.41 0.01
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 36 106 257 402 60 -137 -302 -406 -61 74
Operating Cash Flow to CapEx		 6,532.93% 9,316.98% 3,875.28% 2,686.96% 6,558.33% 0.00% 2,091.95% 934.91% 1,085.51% 4,740.93%
Free Cash Flow to Firm to Interest Expense		 3.18 8.83 21.68 35.10 5.36 -12.85 -28.79 -91.22 -73.24 134.90
Operating Cash Flow to Interest Expense		 0.95 0.82 0.29 0.38 0.07 1.26 0.77 3.02 19.65 35.17
Operating Cash Flow Less CapEx to Interest Expense		 0.94 0.81 0.28 0.36 0.07 1.27 0.73 2.70 17.84 34.43
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 10.02 8.73 8.30 12.36 13.53 16.07 16.69 17.39 17.64 18.22
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 436 437 435 437 465 539 717 836 525 397
Invested Capital Turnover		 0.16 0.14 0.12 0.16 0.22 0.26 0.23 0.22 0.28 0.32
Increase / (Decrease) in Invested Capital		 -30 -102 -281 -399 -59 142 307 415 74 -62
Enterprise Value (EV)		 241 92 24 222 329 270 513 684 537 239
Market Capitalization		 379 321 255 259 334 273 260 316 470 424
Book Value per Share		 $27.07 $26.85 $26.71 $26.97 $27.20 $25.97 $26.31 $26.79 $25.71 $24.76
Tangible Book Value per Share		 $22.38 $22.19 $22.04 $22.26 $22.46 $21.20 $21.52 $21.96 $20.85 $19.88
Total Capital		 436 437 435 437 465 539 717 836 525 397
Total Debt		 0.15 0.19 0.23 0.26 26 120 293 406 112 0.37
Total Long-Term Debt		 0.15 0.19 0.23 0.26 26 120 293 406 112 0.37
Net Debt		 -137 -229 -231 -36 -4.16 -2.80 253 368 67 -185
Capital Expenditures (CapEx)		 0.16 0.11 0.09 0.16 0.01 -0.09 0.39 1.44 1.50 0.41
Net Nonoperating Expense (NNE)		 0.00 0.00 -2.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.15 0.19 0.23 0.26 26 120 293 406 112 0.37
Total Depreciation and Amortization (D&A)		 -0.16 1.14 1.94 1.95 1.48 2.29 2.29 2.87 2.49 2.66
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.38 $0.28 ($1.36) $0.18 $0.04 $0.00 $0.28 $0.00 $0.81 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 16.04M 16.04M 16.11M 16.08M 16.01M 0.00 16.01M 0.00 15.92M 0.00
Adjusted Diluted Earnings per Share		 $0.38 $0.28 ($1.36) $0.18 $0.04 $0.00 $0.28 $0.00 $0.81 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 16.04M 16.07M 16.11M 16.09M 16.03M 0.00 16.02M 0.00 15.97M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 16.12M 16.08M 16.28M 16.29M 16.19M 0.00 16.12M 0.00 16.06M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 6.00 4.57 -24 2.92 0.27 5.30 4.55 9.44 13 12
Normalized NOPAT Margin		 21.45% 16.83% 0.00% 11.48% 1.30% 19.56% 16.94% 28.75% 35.82% 34.05%
Pre Tax Income Margin		 34.47% 25.68% 0.00% 15.44% 1.86% 25.47% 21.85% 39.22% 49.08% 46.57%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.86 0.58 -2.90 0.34 0.04 0.65 0.56 2.90 21.24 30.27
NOPAT to Interest Expense		 0.53 0.38 -2.03 0.26 0.05 0.50 0.43 2.12 15.50 22.13
EBIT Less CapEx to Interest Expense		 0.84 0.57 -2.91 0.33 0.03 0.66 0.52 2.57 19.43 29.53
NOPAT Less CapEx to Interest Expense		 0.52 0.37 -2.04 0.24 0.05 0.51 0.40 1.80 13.69 21.39
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 -192.62% -117.48% -123.73% 120.63% 80.96% 49.98% 41.11% 34.82% 33.64% 35.72%
Augmented Payout Ratio		 -243.19% -148.16% -123.73% 120.63% 80.96% 49.98% 41.11% 34.82% 36.33% 50.83%

Frequently Asked Questions About Bank of Marin Bancorp's Financials

When does Bank of Marin Bancorp's financial year end?

According to the most recent income statement we have on file, Bank of Marin Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Bank of Marin Bancorp's net income changed over the last 2 years?

Bank of Marin Bancorp's net income appears to be on a downward trend, with a most recent value of -$8.41 million in 2024, falling from $46.59 million in 2022. The previous period was $19.90 million in 2023. Check out Bank of Marin Bancorp's forecast to explore projected trends and price targets.

How has Bank of Marin Bancorp revenue changed over the last 2 years?

Over the last 2 years, Bank of Marin Bancorp's total revenue changed from $138.40 million in 2022 to $73.30 million in 2024, a change of -47.0%.

How much debt does Bank of Marin Bancorp have?

Bank of Marin Bancorp's total liabilities were at $3.27 billion at the end of 2024, a 2.9% decrease from 2023, and a 12.6% decrease since 2022.

How has Bank of Marin Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Bank of Marin Bancorp's book value per share changed from 25.71 in 2022 to 27.07 in 2024, a change of 5.3%.


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This page (NASDAQ:BMRC) was last updated on 5/30/2025 by MarketBeat.com Staff
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