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Bank of Marin Bancorp (BMRC) Financials

Bank of Marin Bancorp logo
$28.45 0.00 (0.00%)
Closing price 07/10/2026 04:00 PM Eastern
Extended Trading
$28.58 +0.14 (+0.47%)
As of 04:12 AM Eastern
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 18 23 16 33 34 30 33 47 20 -8.41 -36
Consolidated Net Income / (Loss)		 18 23 16 33 34 30 33 47 20 -8.41 -36
Net Income / (Loss) Continuing Operations		 18 23 16 33 34 30 33 47 20 -8.41 -36
Total Pre-Tax Income 		29 36 29 43 46 41 45 64 26 -14 -52
Total Revenue		 76 82 83 102 105 105 115 138 105 70 29
Net Interest Income / (Expense)		 67 73 75 92 96 97 105 127 100 92 106
Total Interest Income		 69 75 77 95 100 100 108 130 139 141 152
Loans and Leases Interest Income		 62 67 67 80 84 85 92 94 99 101 104
Investment Securities Interest Income		 7.55 7.75 8.80 14 15 15 16 35 39 33 38
Federal Funds Sold and Securities Borrowed Interest Income		 0.14 0.21 1.00 1.46 1.32 0.46 0.40 1.41 2.33 6.71 9.54
Total Interest Expense		 2.25 2.27 1.74 3.54 4.76 2.98 3.40 2.55 39 50 46
Deposits Interest Expense		 1.51 1.36 1.31 2.20 4.45 2.82 2.03 2.46 28 49 46
Long-Term Debt Interest Expense		 0.74 0.91 0.44 1.34 0.31 0.00 0.01 0.09 12 0.24 0.38
Total Non-Interest Income		 9.19 9.16 8.27 10 9.08 8.55 10 11 4.99 -21 -77
Other Service Charges		 4.91 4.65 6.84 7.39 7.03 6.01 7.19 8.68 7.82 7.99 7.99
Net Realized & Unrealized Capital Gains on Investments		 0.08 0.43 -0.19 0.88 0.06 0.92 -0.02 -0.06 -5.89 -33 -88
Other Non-Interest Income		 1.82 2.00 1.61 1.87 2.00 1.63 2.95 2.29 3.07 3.19 3.56
Provision for Credit Losses		 0.50 -1.85 0.50 0.00 1.03 6.16 -2.44 -0.38 2.23 5.32 0.56
Total Non-Interest Expense		 47 48 54 58 58 58 73 75 77 79 81
Salaries and Employee Benefits		 26 27 30 33 34 34 42 42 43 45 47
Net Occupancy & Equipment Expense		 6.23 5.94 6.24 7.00 7.21 7.99 8.85 10 9.88 9.93 11
Property & Liability Insurance Claims		 1.00 0.83 0.67 0.76 0.36 0.47 0.89 1.18 1.88 1.86 1.81
Other Operating Expenses		 12 12 15 14 13 13 18 19 18 20 19
Depreciation Expense		 1.97 1.82 1.94 2.14 2.23 2.15 1.74 1.84 2.10 1.47 1.26
Amortization Expense		 - - - 0.92 0.89 0.85 1.14 1.49 1.35 0.98 0.88
Income Tax Expense		 10 13 13 11 12 10 12 17 6.14 -5.43 -17
Basic Earnings per Share		 $3.09 $3.81 $1.29 $2.35 $2.51 $2.24 $2.32 $2.93 $1.24 ($0.52) ($2.24)
Weighted Average Basic Shares Outstanding		 5.97M 6.07M 12.39M 13.86M 13.62M 13.53M 14.34M 15.92M 16.01M 16.04M 15.94M
Diluted Earnings per Share		 $3.04 $3.78 $1.27 $2.33 $2.48 $2.22 $2.30 $2.92 $1.24 ($0.52) ($2.24)
Weighted Average Diluted Shares Outstanding		 6.07M 6.12M 12.55M 14.03M 13.79M 13.62M 14.42M 15.97M 16.03M 16.04M 15.94M
Weighted Average Basic & Diluted Shares Outstanding		 6M 6.13M 6.97M 13.90M 13.60M 13.36M 15.94M 16.06M 16.19M 16.12M 16.13M
Cash Dividends to Common per Share		 $0.90 $1.02 $0.56 $0.64 $0.80 $0.92 $0.94 $0.98 $1.00 $1.00 $1.00

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 5.30 0.61 2.92 -22 4.57 6.00 4.88 -8.54 7.53 -40 8.51
Consolidated Net Income / (Loss)		 5.30 0.61 2.92 -22 4.57 6.00 4.88 -8.54 7.53 -40 8.51
Net Income / (Loss) Continuing Operations		 5.30 0.61 2.92 -22 4.57 6.00 4.88 -8.54 7.53 -40 8.51
Total Pre-Tax Income 		6.90 0.39 3.93 -34 6.97 9.65 6.48 -11 9.61 -57 12
Total Revenue		 27 21 25 -7.29 27 28 27 10 31 -39 34
Net Interest Income / (Expense)		 24 24 23 22 24 25 24 26 28 28 30
Total Interest Income		 35 35 34 34 36 36 35 36 39 42 43
Loans and Leases Interest Income		 25 25 25 25 25 26 25 26 26 27 27
Investment Securities Interest Income		 9.35 9.29 8.81 8.30 7.59 8.38 8.26 8.42 9.85 12 14
Deposits and Money Market Investments Interest Income		 - - - - 3.24 - 1.80 - 2.97 - 2.39
Total Interest Expense		 11 11 11 12 12 11 11 10 11 14 12
Deposits Interest Expense		 8.04 9.78 11 12 12 11 11 10 11 14 12
Long-Term Debt Interest Expense		 2.59 1.38 0.09 0.15 0.00 0.00 0.00 0.00 0.00 0.37 0.01
Federal Funds Purchased and Securities Sold Interest Expense		 - - - - - - 0.00 - - - 0.81
Total Non-Interest Income		 2.60 -3.28 2.75 -30 2.89 2.75 2.87 -16 2.75 -67 3.83
Other Service Charges		 1.89 1.91 1.94 2.00 2.10 1.95 1.96 2.09 1.95 2.01 2.01
Net Realized & Unrealized Capital Gains on Investments		 0.01 -5.91 - -33 0.00 - 0.00 -19 0.00 -69 0.00
Other Non-Interest Income		 0.70 0.71 0.81 0.79 0.79 0.80 0.92 1.03 0.80 0.81 1.82
Provision for Credit Losses		 0.43 1.30 0.35 5.20 -0.23 - 0.08 0.00 0.00 0.49 0.00
Total Non-Interest Expense		 20 19 21 22 20 18 20 21 21 18 23
Salaries and Employee Benefits		 11 10 12 12 11 9.41 12 12 12 11 13
Net Occupancy & Equipment Expense		 2.38 2.37 2.37 2.50 2.50 2.56 2.52 2.79 2.62 2.63 2.61
Property & Liability Insurance Claims		 0.47 0.45 0.44 0.43 0.58 0.42 0.94 0.42 0.46 -0.01 0.73
Other Operating Expenses		 5.40 5.38 5.64 5.98 5.91 5.37 4.41 5.70 5.74 3.51 5.34
Depreciation Expense		 0.42 0.39 0.39 0.38 0.36 0.34 0.30 0.32 0.29 0.35 0.26
Amortization Expense		 0.34 0.33 0.25 0.25 0.24 0.24 0.23 0.22 0.22 0.21 0.20
Income Tax Expense		 1.60 -0.22 1.01 -12 2.40 3.64 1.61 -2.66 2.08 -18 3.09
Basic Earnings per Share		 $0.33 $0.04 $0.18 ($1.36) $0.28 $0.38 $0.31 ($0.53) $0.47 ($2.49) $0.53
Weighted Average Basic Shares Outstanding		 16.03M 16.01M 16.08M 16.11M 16.04M 16.04M 15.98M 15.99M 15.91M 15.94M 15.93M
Diluted Earnings per Share		 $0.33 $0.04 $0.18 ($1.36) $0.28 $0.38 $0.30 ($0.53) $0.47 ($2.48) $0.53
Weighted Average Diluted Shares Outstanding		 16.04M 16.03M 16.09M 16.11M 16.07M 16.04M 16.00M 15.99M 15.93M 15.94M 15.97M
Weighted Average Basic & Diluted Shares Outstanding		 16.14M 16.19M 16.29M 16.28M 16.08M 16.12M 16.22M 16.13M 16.09M 16.13M 16.19M
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 $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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -15 22 155 -169 149 17 147 -302 -15 107 88
Net Cash From Operating Activities		 24 25 27 42 41 41 45 55 36 28 39
Net Cash From Continuing Operating Activities		 24 25 27 42 41 41 45 55 36 28 39
Net Income / (Loss) Continuing Operations		 18 23 16 33 34 30 33 47 20 -8.41 -36
Consolidated Net Income / (Loss)		 18 23 16 33 34 30 33 47 20 -8.41 -36
Provision For Loan Losses		 0.28 -1.69 0.56 0.00 1.03 6.16 -2.44 -0.38 2.23 5.32 0.56
Depreciation Expense		 1.97 1.82 1.94 2.14 2.23 2.15 1.74 1.84 2.10 1.47 1.26
Amortization Expense		 3.37 4.05 3.66 4.82 2.24 7.15 4.56 7.83 6.84 3.40 1.80
Non-Cash Adjustments to Reconcile Net Income		 -1.86 -1.88 4.07 0.47 1.45 0.82 0.34 1.88 6.37 33 88
Changes in Operating Assets and Liabilities, net		 1.49 0.00 0.75 2.05 -0.26 -5.68 7.83 -2.48 -1.77 -6.52 -17
Net Cash From Investing Activities		 -263 24 7.81 -225 -21 -173 -341 -218 335 195 -172
Net Cash From Continuing Investing Activities		 -263 24 7.81 -225 -21 -173 -341 -218 335 195 -172
Purchase of Property, Leasehold Improvements and Equipment		 - - - - - -0.98 -1.04 -2.27 -1.75 -0.52 -1.82
Purchase of Investment Securities		 -380 -201 -183 -324 -197 -100 -928 -568 -0.04 -201 -1,069
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - 0.00 0.00 0.02 0.00
Sale and/or Maturity of Investments		 117 225 131 98 177 -72 191 188 320 370 937
Other Investing Activities, net		 - - - - - - 257 164 17 26 -38
Net Cash From Financing Activities		 225 -27 120 14 129 150 443 -139 -385 -117 221
Net Cash From Continuing Financing Activities		 225 -27 120 14 129 150 443 -139 -385 -117 221
Net Change in Deposits		 177 44 126 26 162 168 514 -235 -283 -70 196
Issuance of Debt		 52 - 0.00 7.00 - 0.00 -14 112 0.00 0.00 45
Issuance of Common Equity		 0.03 0.06 0.77 0.08 0.08 0.12 0.12 0.08 0.05 0.04 0.04
Repayment of Debt		 - -67 0.00 -4.14 -7.17 -0.17 -4.21 -0.13 -86 -26 -0.13
Repurchase of Common Equity		 - - - -6.87 -15 -6.90 -41 -1.25 0.00 -4.25 -3.29
Payment of Dividends		 -5.39 -6.22 -6.90 -8.86 -11 -13 -13 -16 -16 -16 -16
Other Financing Activities, Net		 1.33 1.39 0.03 0.49 0.45 1.23 0.30 0.78 0.16 -0.06 -0.10
Cash Interest Paid		 2.07 2.13 1.54 2.60 4.66 2.95 2.11 2.56 34 46 43
Cash Income Taxes Paid		 9.07 13 9.76 8.38 13 13 12 14 8.43 2.25 0.43

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 83 -93 5.86 195 -2.24 -92 123 -31 -9.53 5.97 11
Net Cash From Operating Activities		 13 0.79 4.33 3.45 9.88 11 4.94 8.04 12 14 1.09
Net Cash From Continuing Operating Activities		 13 0.79 4.33 3.45 9.88 11 4.94 8.04 12 14 1.09
Net Income / (Loss) Continuing Operations		 5.29 0.61 2.92 -22 4.57 6.00 4.88 -8.54 7.53 -40 8.51
Consolidated Net Income / (Loss)		 5.29 0.61 2.92 -22 4.57 6.00 4.88 -8.54 7.53 -40 8.51
Provision For Loan Losses		 0.43 1.30 0.35 5.20 -0.23 - 0.08 - - 0.49 0.00
Depreciation Expense		 0.42 0.39 0.39 0.38 0.36 0.34 0.32 0.32 0.29 0.33 0.26
Amortization Expense		 1.87 1.09 1.56 1.56 0.78 -0.50 0.50 0.45 0.36 0.50 0.29
Non-Cash Adjustments to Reconcile Net Income		 0.17 6.29 0.38 32 0.42 -0.15 0.34 19 0.40 68 -0.10
Changes in Operating Assets and Liabilities, net		 5.19 -8.90 -1.27 -14 3.98 5.02 -1.17 -2.76 3.91 -17 -7.88
Net Cash From Investing Activities		 128 158 38 266 -99 -9.28 40 24 -154 -82 1.86
Net Cash From Continuing Investing Activities		 128 158 38 266 -99 -9.28 40 24 -154 -82 1.86
Purchase of Property, Leasehold Improvements and Equipment		 0.09 -0.01 -0.16 -0.09 -0.11 -0.16 -0.31 -0.97 -0.41 -0.13 -0.16
Purchase of Investment Securities		 - -0.00 -1.21 -19 -150 -30 -34 -219 -169 -647 -65
Sale and/or Maturity of Investments		 112 148 20 313 23 15 65 244 32 596 69
Other Investing Activities, net		 16 10 19 -28 28 6.64 8.96 0.10 -16 -31 -2.23
Net Cash From Financing Activities		 -58 -252 -36 -74 87 -93 78 -63 132 74 8.39
Net Cash From Continuing Financing Activities		 -58 -252 -36 -74 87 -93 78 -63 132 74 8.39
Net Change in Deposits		 118 -154 -5.97 -70 95 -89 82 -57 138 33 13
Issuance of Common Equity		 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
Repayment of Debt		 -0.04 -0.04 -26 -0.04 -0.04 -0.04 -0.04 -0.04 -0.02 -0.03 -0.04
Repurchase of Common Equity		 - - - - - -0.02 0.00 -2.18 -1.12 - -0.01
Payment of Dividends		 -4.03 -4.04 -4.04 -4.07 -4.06 -4.02 -4.03 -4.05 -4.02 -4.02 -4.03
Other Financing Activities, Net		 - - -0.06 -0.00 -0.01 - -0.10 -0.01 0.00 - -0.13
Cash Interest Paid		 8.89 11 11 12 12 11 11 11 11 10 12
Cash Income Taxes Paid		 - 8.43 - 2.10 - 0.15 0.00 2.93 - -2.50 -0.42

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,031 2,023 2,468 2,521 2,707 2,912 4,314 4,147 3,804 3,701 3,905
Restricted Cash		 - - - - 183 - - 45 30 137 225
Trading Account Securities		 487 417 483 620 570 501 1,510 1,774 1,477 1,267 1,328
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 -17 2,066 2,233 2,070 2,049 2,053 2,091
Loans and Leases		 - - - - - 2,089 2,256 2,093 2,074 2,083 2,121
Allowance for Loan and Lease Losses		 - - - - 17 23 23 23 25 31 30
Premises and Equipment, Net		 9.31 8.52 8.61 7.38 6.07 4.92 7.56 8.13 7.79 6.83 8.06
Goodwill		 6.44 6.44 30 30 30 30 73 73 73 73 73
Intangible Assets		 3.11 2.58 6.49 5.57 4.68 3.83 6.61 5.12 3.77 2.79 1.92
Other Assets		 62 69 73 76 1,930 106 2,370 172 163 162 178
Total Liabilities & Shareholders' Equity		 2,031 2,023 2,468 2,521 2,707 2,912 4,314 4,147 3,804 3,701 3,905
Total Liabilities		 1,817 1,793 2,171 2,204 2,370 2,554 3,864 3,735 3,365 3,266 3,510
Non-Interest Bearing Deposits		 770 817 1,014 1,066 1,129 1,355 1,910 1,839 1,442 1,275 1,254
Interest Bearing Deposits		 958 956 1,135 1,109 1,208 1,150 1,898 1,734 1,848 1,945 2,161
Long-Term Debt		 72 5.59 5.74 9.64 2.92 2.84 0.42 112 26 0.00 44
Other Long-Term Liabilities		 16 15 17 20 31 47 55 50 48 46 50
Commitments & Contingencies		 - - - - - - 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 214 231 297 316 337 358 450 412 439 435 395
Total Preferred & Common Equity		 214 231 297 316 337 358 450 412 439 435 395
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 214 231 297 316 337 358 450 412 439 435 395
Common Stock		 85 87 144 141 129 126 213 215 217 216 215
Retained Earnings		 130 146 156 180 203 220 240 271 275 250 198
Accumulated Other Comprehensive Income / (Loss)		 0.19 -3.29 -2.49 -4.10 4.50 13 -2.02 -74 -53 -30 -18

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 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 4,349 4,135 4,092 4,036 3,767 3,695 3,793 3,784 3,726 3,869 3,914
Restricted Cash		 - - 40 123 36 231 229 260 229 219 237
Trading Account Securities		 960 1,756 1,718 1,594 1,451 1,158 1,257 1,241 1,215 1,355 1,326
Loans and Leases, Net of Allowance		 -23 2,089 2,079 2,063 2,029 2,052 2,059 2,044 2,044 2,061 2,093
Loans and Leases		 - 2,112 2,103 2,087 2,055 2,082 2,090 2,074 2,074 2,090 2,116
Allowance for Loan and Lease Losses		 23 23 24 24 26 31 31 30 30 30 23
Premises and Equipment, Net		 7.10 8.69 8.68 8.17 7.55 7.26 7.01 6.82 7.47 7.58 7.96
Goodwill		 73 73 73 73 73 73 73 73 73 73 73
Intangible Assets		 5.48 4.77 4.43 4.10 3.52 3.27 3.03 2.57 2.34 2.13 1.72
Other Assets		 3,141 2,255 170 171 166 171 164 158 156 151 176
Total Liabilities & Shareholders' Equity		 4,349 4,135 4,092 4,036 3,767 3,695 3,793 3,784 3,726 3,869 3,914
Total Liabilities		 3,952 3,705 3,668 3,617 3,330 3,260 3,356 3,345 3,288 3,425 3,520
Non-Interest Bearing Deposits		 2,052 1,637 1,589 1,642 1,444 1,418 1,473 1,426 1,380 1,458 1,232
Interest Bearing Deposits		 1,851 1,614 1,736 1,801 1,840 1,796 1,836 1,876 1,865 1,924 2,196
Long-Term Debt		 0.37 406 293 120 0.26 0.23 0.19 0.12 0.08 0.06 44
Other Long-Term Liabilities		 49 49 50 53 46 46 46 43 43 43 47
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 397 430 424 419 437 435 437 440 439 444 394
Total Preferred & Common Equity		 397 430 424 419 437 435 437 440 439 444 394
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 397 430 424 419 437 435 437 440 439 444 394
Common Stock		 215 216 217 217 218 219 215 216 215 214 216
Retained Earnings		 262 276 277 278 273 247 248 251 238 242 203
Accumulated Other Comprehensive Income / (Loss)		 -80 -62 -69 -77 -55 -31 -26 -28 -14 -12 -24

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 6,062,407.00 6,123,181.00 6,177,990.00 6,974,765.00 13,588,234.00 13,615,563.00 16,013,255.00 - - - 16,094,686.00
DEI Adjusted Shares Outstanding		 12,124,814.00 12,246,362.00 12,355,980.00 13,949,530.00 13,588,234.00 13,615,563.00 16,013,255.00 - - - 16,094,686.00
DEI Earnings Per Adjusted Shares Outstanding		 1.52 1.89 1.29 2.34 2.52 2.22 2.08 - - - -2.22
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.90% 7.78% 0.97% 22.33% 3.03% 0.42% 9.39% 20.26% -22.14% -31.97% -58.15%
EBITDA Growth		 -5.68% 23.58% -18.69% 46.30% -0.04% -0.94% 2.59% 42.98% -52.21% -125.66% -450.70%
EBIT Growth		 -8.07% 26.09% -20.95% 50.55% 5.71% -11.56% 10.59% 41.49% -59.00% -153.14% -279.35%
NOPAT Growth		 -6.73% 25.45% -30.94% 104.19% 4.96% -11.68% 9.87% 40.20% -57.29% -148.68% -279.35%
Net Income Growth		 -6.73% 25.45% -30.94% 104.19% 4.96% -11.68% 9.87% 40.20% -57.29% -142.27% -324.25%
EPS Growth		 -7.60% 24.34% -30.94% 83.46% 6.44% -10.48% 3.60% 26.96% -57.53% -141.94% -330.77%
Operating Cash Flow Growth		 25.59% 7.45% 5.90% 56.26% -2.79% -0.22% 10.79% 22.15% -35.49% -20.45% 37.76%
Free Cash Flow Firm Growth		 -11,690.38% 253.17% -168.57% 118.44% 120.37% -56.94% -737.23% 51.91% 391.13% -74.56% -296.57%
Invested Capital Growth		 30.27% -17.68% 28.21% 7.69% 4.19% 6.29% 24.84% 16.36% -11.28% -6.40% 0.71%
Revenue Q/Q Growth		 0.07% 1.34% 2.08% 4.70% -0.46% -0.74% 7.40% 1.92% -12.20% 10.56% -68.45%
EBITDA Q/Q Growth		 0.70% 3.23% -7.13% 17.03% -3.38% -4.55% 7.28% 8.18% -34.31% 45.89% -397.51%
EBIT Q/Q Growth		 0.07% 3.63% -7.85% 17.49% -1.30% -3.07% 5.79% 6.88% -39.86% 40.08% -461.03%
NOPAT Q/Q Growth		 1.28% 3.41% -22.27% 35.53% -1.67% -3.08% 5.05% 7.29% -38.15% 40.08% -472.33%
Net Income Q/Q Growth		 1.28% 3.41% -22.27% 35.53% -1.67% -3.08% 5.05% 7.29% -38.15% 39.07% -461.56%
EPS Q/Q Growth		 0.66% 2.72% -22.27% 34.68% -3.50% -3.48% 8.49% 8.55% -38.31% 39.53% -461.29%
Operating Cash Flow Q/Q Growth		 8.33% -5.43% 5.36% 11.43% -2.60% -0.50% 8.12% 6.55% -30.35% 53.84% 8.03%
Free Cash Flow Firm Q/Q Growth		 -2,909.79% 325.69% -811.12% 123.58% 55.36% 30.59% 15.61% -125.76% 171.99% -76.51% -1,366.84%
Invested Capital Q/Q Growth		 23.49% -0.49% 20.74% 3.69% 1.10% 0.18% -1.78% 32.14% -13.65% -0.36% -1.21%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.87% 51.45% 41.43% 49.55% 48.07% 47.42% 44.47% 52.88% 32.46% -12.24% -168.17%
EBIT Margin		 37.88% 44.31% 34.69% 42.70% 43.81% 38.58% 39.00% 45.89% 24.16% -18.87% -178.59%
Profit (Net Income) Margin		 24.14% 28.10% 19.22% 32.08% 32.68% 28.74% 28.87% 33.66% 18.46% -11.47% -121.40%
Tax Burden Percent		 63.74% 63.42% 55.40% 75.14% 74.61% 74.51% 74.03% 73.35% 76.41% 60.78% 67.97%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.26% 36.58% 44.60% 24.86% 25.39% 25.49% 25.97% 26.65% 23.59% 0.00% 0.00%
Return on Invested Capital (ROIC)		 7.27% 8.85% 5.93% 10.38% 10.29% 8.63% 8.19% 9.55% 4.02% -2.15% -8.41%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.27% 8.85% 5.93% 10.38% 10.29% 8.63% 8.19% 9.55% 4.02% 7.49% -3.56%
Return on Net Nonoperating Assets (RNNOA)		 1.62% 1.55% 0.13% 0.26% 0.20% 0.07% 0.03% 1.25% 0.66% 0.23% -0.19%
Return on Equity (ROE)		 8.90% 10.40% 6.06% 10.64% 10.48% 8.70% 8.22% 10.80% 4.67% -1.92% -8.60%
Cash Return on Invested Capital (CROIC)		 -19.02% 28.24% -18.79% 2.97% 6.18% 2.53% -13.91% -5.57% 15.97% 4.47% -9.12%
Operating Return on Assets (OROA)		 1.52% 1.80% 1.28% 1.74% 1.76% 1.44% 1.24% 1.50% 0.65% -0.37% -1.38%
Return on Assets (ROA)		 0.97% 1.14% 0.71% 1.31% 1.31% 1.08% 0.92% 1.10% 0.50% -0.22% -0.94%
Return on Common Equity (ROCE)		 8.90% 10.40% 6.06% 10.64% 10.48% 8.70% 8.22% 10.80% 4.67% -1.92% -8.60%
Return on Equity Simple (ROE_SIMPLE)		 8.60% 10.03% 5.38% 10.31% 10.17% 8.44% 7.38% 11.30% 4.53% -1.93% -9.04%
Net Operating Profit after Tax (NOPAT)		 18 23 16 33 34 30 33 47 20 -9.68 -37
NOPAT Margin		 24.14% 28.10% 19.22% 32.08% 32.68% 28.74% 28.87% 33.66% 18.46% -13.21% -125.01%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -9.64% -4.85%
SG&A Expenses to Revenue		 41.89% 39.61% 43.55% 39.67% 39.58% 40.29% 44.13% 37.62% 49.49% 74.50% 197.41%
Operating Expenses to Revenue		 61.47% 57.93% 64.70% 57.30% 55.21% 55.56% 63.12% 54.39% 73.76% 111.62% 276.69%
Earnings before Interest and Taxes (EBIT)		 29 36 29 43 46 41 45 64 26 -14 -52
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 34 42 34 50 50 50 51 73 35 -8.97 -49
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.10 1.37 1.07 1.39 1.42 1.05 1.09 1.14 0.76 0.87 1.04
Price to Tangible Book Value (P/TBV)		 1.15 1.43 1.22 1.57 1.58 1.16 1.32 1.41 0.92 1.05 1.28
Price to Revenue (P/Rev)		 3.08 3.85 3.81 4.34 4.56 3.56 4.26 3.39 3.10 5.17 13.98
Price to Earnings (P/E)		 12.75 13.69 19.83 13.51 13.96 12.39 14.76 10.08 16.77 0.00 0.00
Dividend Yield		 2.32% 1.97% 2.18% 0.00% 2.27% 3.34% 3.07% 3.34% 4.84% 4.25% 3.92%
Earnings Yield		 7.84% 7.31% 5.04% 7.40% 7.17% 8.07% 6.77% 9.92% 5.96% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.98 1.16 0.39 1.28 0.88 0.49 0.32 1.02 0.71 0.55 0.52
Enterprise Value to Revenue (EV/Rev)		 3.68 3.32 1.43 4.09 2.84 1.69 1.24 3.88 3.06 3.29 7.81
Enterprise Value to EBITDA (EV/EBITDA)		 8.20 6.46 3.45 8.26 5.91 3.55 2.80 7.33 9.42 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 9.72 7.49 4.13 9.59 6.48 4.37 3.19 8.45 12.65 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 15.25 11.82 7.45 12.76 8.69 5.86 4.31 11.52 16.56 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.87 10.74 4.42 9.89 7.27 4.34 3.17 9.71 9.24 8.51 5.87
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 3.70 0.00 44.57 14.45 20.01 0.00 0.00 4.17 12.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.34 0.02 0.02 0.03 0.01 0.01 0.00 0.27 0.06 0.00 0.11
Long-Term Debt to Equity		 0.34 0.02 0.02 0.03 0.01 0.01 0.00 0.27 0.06 0.00 0.11
Financial Leverage		 0.22 0.18 0.02 0.03 0.02 0.01 0.00 0.13 0.16 0.03 0.05
Leverage Ratio		 9.21 9.11 8.51 8.13 8.00 8.08 8.94 9.81 9.34 8.58 9.16
Compound Leverage Factor		 9.21 9.11 8.51 8.13 8.00 8.08 8.94 9.81 9.34 8.58 9.16
Debt to Total Capital		 25.24% 2.37% 1.90% 2.96% 0.86% 0.79% 0.09% 21.44% 5.65% 0.04% 10.00%
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% 0.00%
Long-Term Debt to Total Capital		 25.24% 2.37% 1.90% 2.96% 0.86% 0.79% 0.09% 21.44% 5.65% 0.04% 10.00%
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% 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% 0.00%
Common Equity to Total Capital		 74.76% 97.63% 98.10% 97.04% 99.14% 99.21% 99.91% 78.56% 94.35% 99.96% 90.00%
Debt to EBITDA		 2.11 0.13 0.17 0.19 0.06 0.06 0.01 1.54 0.75 -0.02 -0.89
Net Debt to EBITDA		 1.34 -1.02 -5.74 -0.49 -3.58 -3.96 -6.78 0.92 -0.12 15.28 3.67
Long-Term Debt to EBITDA		 2.11 0.13 0.17 0.19 0.06 0.06 0.01 1.54 0.75 -0.02 -0.89
Debt to NOPAT		 3.93 0.24 0.36 0.30 0.09 0.09 0.01 2.41 1.32 -0.02 -1.19
Net Debt to NOPAT		 2.50 -1.87 -12.38 -0.75 -5.27 -6.53 -10.45 1.44 -0.21 14.16 4.94
Long-Term Debt to NOPAT		 3.93 0.24 0.36 0.30 0.09 0.09 0.01 2.41 1.32 -0.02 -1.19
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -48 74 -51 9.34 21 8.86 -56 -27 79 20 -40
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 4,163.61% 4,334.58% 2,439.41% 2,038.82% 5,684.37% 2,148.21%
Free Cash Flow to Firm to Interest Expense		 -21.42 32.55 -29.04 2.64 4.33 2.97 -16.60 -10.65 2.15 0.43 -0.86
Operating Cash Flow to Interest Expense		 10.52 11.21 15.45 11.91 8.60 13.71 13.30 21.69 0.97 0.61 0.84
Operating Cash Flow Less CapEx to Interest Expense		 10.52 11.21 15.45 11.91 8.60 13.38 13.00 20.80 0.92 0.60 0.80
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.02 0.01
Fixed Asset Turnover		 7.97 9.24 9.70 12.72 15.58 19.15 18.45 17.64 13.53 10.02 3.95
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 287 236 303 326 340 361 451 525 465 436 439
Invested Capital Turnover		 0.30 0.31 0.31 0.32 0.31 0.30 0.28 0.28 0.22 0.16 0.07
Increase / (Decrease) in Invested Capital		 67 -51 67 23 14 21 90 74 -59 -30 3.10
Enterprise Value (EV)		 281 273 119 416 297 177 143 537 329 241 229
Market Capitalization		 235 317 317 441 478 375 490 470 334 379 411
Book Value per Share		 $35.38 $37.65 $48.08 $45.36 $24.79 $26.31 $28.12 $25.71 $27.20 $27.07 $24.52
Tangible Book Value per Share		 $33.80 $36.18 $42.15 $40.24 $22.22 $23.82 $23.17 $20.85 $22.46 $22.38 $19.88
Total Capital		 287 236 303 326 340 361 451 525 465 436 439
Total Debt		 72 5.59 5.74 9.64 2.92 2.84 0.42 112 26 0.15 44
Total Long-Term Debt		 72 5.59 5.74 9.64 2.92 2.84 0.42 112 26 0.15 44
Net Debt		 46 -43 -198 -25 -180 -197 -347 67 -4.16 -137 -181
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.98 1.04 2.27 1.75 0.50 1.82
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -1.28 -1.06
Net Nonoperating Obligations (NNO)		 72 5.59 5.74 9.64 2.92 2.84 0.42 112 26 0.15 44
Total Depreciation and Amortization (D&A)		 5.34 5.87 5.60 6.97 4.47 9.30 6.30 9.67 8.94 4.86 3.06
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.55 $1.91 $1.29 $2.35 $2.51 $2.24 $2.32 $2.93 $1.24 ($0.52) ($2.24)
Adjusted Weighted Average Basic Shares Outstanding		 11.93M 12.15M 12.39M 13.86M 13.62M 13.53M 14.34M 15.92M 16.01M 16.04M 15.94M
Adjusted Diluted Earnings per Share		 $1.52 $1.89 $1.28 $2.33 $2.48 $2.22 $2.30 $2.92 $1.24 ($0.52) ($2.24)
Adjusted Weighted Average Diluted Shares Outstanding		 12.13M 12.23M 12.55M 14.03M 13.79M 13.62M 14.42M 15.97M 16.03M 16.04M 15.94M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 12.16M 12.26M 13.94M 13.81M 13.60M 13.36M 15.94M 16.06M 16.19M 16.12M 16.13M
Normalized Net Operating Profit after Tax (NOPAT)		 18 23 16 33 34 30 33 47 20 -9.68 -37
Normalized NOPAT Margin		 24.14% 28.10% 19.22% 32.08% 32.68% 28.74% 28.87% 33.66% 18.46% -13.21% -125.01%
Pre Tax Income Margin		 37.88% 44.31% 34.69% 42.70% 43.81% 38.58% 39.00% 45.89% 24.16% -18.87% -178.59%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 12.85 16.08 16.54 12.28 9.65 13.62 13.19 24.92 0.71 -0.30 -1.13
NOPAT to Interest Expense		 8.19 10.20 9.16 9.23 7.20 10.15 9.77 18.28 0.54 -0.21 -0.79
EBIT Less CapEx to Interest Expense		 12.85 16.08 16.54 12.28 9.65 13.30 12.89 24.03 0.66 -0.31 -1.17
NOPAT Less CapEx to Interest Expense		 8.19 10.20 9.16 9.23 7.20 9.82 9.46 17.39 0.49 -0.22 -0.83
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 29.23% 26.90% 43.16% 27.16% 32.00% 41.35% 39.45% 33.64% 80.96% -192.62% -45.20%
Augmented Payout Ratio		 29.23% 26.90% 43.16% 48.22% 75.99% 64.16% 162.12% 36.33% 80.96% -243.19% -54.43%

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 16,116,627.00 16,216,069.00 16,125,301.00 16,094,686.00 16,126,486.00
DEI Adjusted Shares Outstanding		 - - - - - - 16,116,627.00 16,216,069.00 16,125,301.00 16,094,686.00 16,126,486.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.30 -0.53 0.47 -2.46 0.53
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -24.29% -41.65% -22.50% -127.12% 0.33% 33.38% 6.11% 241.20% 13.92% -255.97% 26.42%
EBITDA Growth		 -52.41% -90.70% -62.66% -497.38% -11.75% 406.35% 24.14% 67.85% 26.54% -696.24% 66.44%
EBIT Growth		 -58.59% -97.78% -69.49% -685.52% 1.13% 2,366.75% 64.95% 67.43% 37.82% -694.87% 78.94%
NOPAT Growth		 -56.51% -95.27% -69.05% -628.84% -13.69% 885.39% 66.87% 67.43% 64.68% -769.26% 74.53%
Net Income Growth		 -56.51% -95.27% -69.05% -581.26% -13.69% 885.39% 66.87% 61.03% 64.68% -758.91% 74.53%
EPS Growth		 -56.58% -95.06% -69.49% -585.71% -15.15% 850.00% 66.67% 61.03% 67.86% -752.63% 76.67%
Operating Cash Flow Growth		 -30.86% -95.18% -67.82% -57.18% -26.16% 1,261.37% 14.10% 133.11% 26.37% 27.12% -78.02%
Free Cash Flow Firm Growth		 -284.25% 198.22% 199.07% 185.18% 177.81% -40.11% -99.47% -104.38% -99.24% -220.34% 359.00%
Invested Capital Growth		 35.77% -11.28% -47.73% -39.27% -18.89% -6.40% 0.63% 0.79% 1.54% 0.71% -0.29%
Revenue Q/Q Growth		 0.74% -22.49% 21.30% -128.64% 472.63% 3.04% 8.42% -61.89% 200.63% -225.55% 187.88%
EBITDA Q/Q Growth		 12.54% -79.62% 213.88% -651.90% 124.99% 16.96% -23.05% -242.94% 198.36% -651.09% 121.48%
EBIT Q/Q Growth		 17.42% -94.33% 904.86% -975.08% 120.28% 38.32% -32.80% -272.80% 185.81% -697.03% 120.21%
NOPAT Q/Q Growth		 16.35% -88.50% 379.80% -923.66% 118.99% 31.31% -18.75% -260.77% 196.00% -633.65% 121.19%
Net Income Q/Q Growth		 16.35% -88.50% 379.80% -849.56% 120.87% 31.31% -18.75% -275.06% 188.17% -625.39% 121.52%
EPS Q/Q Growth		 17.86% -87.88% 350.00% -855.56% 120.59% 35.71% -21.05% -276.67% 188.68% -627.66% 121.37%
Operating Cash Flow Q/Q Growth		 66.05% -94.12% 449.68% -20.27% 186.34% 8.49% -53.93% 62.88% 55.22% 9.13% -92.03%
Free Cash Flow Firm Q/Q Growth		 54.74% 143.73% 572.40% -36.00% -58.65% -66.34% -94.06% -628.60% 107.13% -5,481.41% 122.64%
Invested Capital Q/Q Growth		 -24.78% -13.65% -6.11% -0.40% 0.45% -0.36% 0.98% -0.24% 1.20% -1.21% -0.03%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.95% 8.93% 23.10% 0.00% 29.86% 33.89% 27.03% -101.37% 33.17% 0.00% 35.58%
EBIT Margin		 25.47% 1.86% 15.44% 0.00% 25.68% 34.47% 24.00% -108.82% 31.06% 0.00% 33.97%
Profit (Net Income) Margin		 19.56% 2.90% 11.48% 0.00% 16.83% 21.45% 18.06% -82.95% 24.33% 0.00% 24.93%
Tax Burden Percent		 76.79% 155.75% 74.37% 63.70% 65.54% 62.22% 75.24% 76.22% 78.31% 68.92% 73.38%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.21% -55.75% 25.63% 0.00% 34.46% 37.78% 24.76% 0.00% 21.69% 0.00% 26.62%
Return on Invested Capital (ROIC)		 5.13% 0.63% 1.81% 0.00% 2.29% 3.49% 2.96% -15.58% 5.14% 0.00% 2.07%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.13% 0.63% 1.81% 0.00% 2.29% 3.49% 2.96% -467.98% 5.14% 0.00% 2.07%
Return on Net Nonoperating Assets (RNNOA)		 0.76% 0.10% 0.85% 0.00% 0.32% 0.11% 0.00% -0.17% 0.00% 0.00% 0.11%
Return on Equity (ROE)		 5.89% 0.73% 2.66% 0.00% 2.61% 3.60% 2.96% -15.74% 5.14% 0.00% 2.18%
Cash Return on Invested Capital (CROIC)		 -23.47% 15.97% 64.80% 46.04% 17.55% 4.47% -2.43% 0.79% 0.71% -9.12% -7.26%
Operating Return on Assets (OROA)		 0.75% 0.05% 0.39% 0.00% 0.43% 0.67% 0.46% -2.62% 0.76% 0.00% 0.32%
Return on Assets (ROA)		 0.57% 0.08% 0.29% 0.00% 0.29% 0.42% 0.34% -2.00% 0.59% 0.00% 0.24%
Return on Common Equity (ROCE)		 5.89% 0.73% 2.66% 0.00% 2.61% 3.60% 2.96% -15.74% 5.14% 0.00% 2.18%
Return on Equity Simple (ROE_SIMPLE)		 7.68% 0.00% 3.06% -3.01% -3.16% 0.00% -1.47% 1.58% 2.22% 0.00% -8.12%
Net Operating Profit after Tax (NOPAT)		 5.30 0.61 2.92 -24 4.57 6.00 4.88 -7.84 7.53 -40 8.51
NOPAT Margin		 19.56% 2.90% 11.48% 0.00% 16.83% 21.45% 18.06% -76.18% 24.33% 0.00% 24.93%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% -1.48% 0.00% 0.00% 0.00% 452.40% 0.00% -2.83% 0.00%
SG&A Expenses to Revenue		 48.49% 60.68% 56.80% 0.00% 49.06% 42.78% 53.96% 144.15% 47.26% 0.00% 46.89%
Operating Expenses to Revenue		 72.96% 91.94% 83.19% 0.00% 75.18% 65.53% 75.72% 208.82% 68.94% 0.00% 66.03%
Earnings before Interest and Taxes (EBIT)		 6.90 0.39 3.93 -34 6.97 9.65 6.48 -11 9.61 -57 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.19 1.87 5.88 -32 8.11 9.48 7.30 -10 10 -57 12
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.65 0.76 0.59 0.59 0.73 0.87 0.77 0.81 0.86 1.04 1.04
Price to Tangible Book Value (P/TBV)		 0.80 0.92 0.72 0.71 0.89 1.05 0.93 0.98 1.03 1.28 1.28
Price to Revenue (P/Rev)		 2.22 3.10 2.58 3.85 4.84 5.17 4.71 3.98 4.09 13.98 11.21
Price to Earnings (P/E)		 8.48 16.77 19.33 0.00 0.00 0.00 0.00 51.52 38.58 0.00 0.00
Dividend Yield		 5.91% 4.84% 6.26% 6.39% 5.07% 4.25% 4.77% 4.55% 4.24% 3.92% 3.94%
Earnings Yield		 11.80% 5.96% 5.17% 0.00% 0.00% 0.00% 0.00% 1.94% 2.59% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.50 0.71 0.51 0.05 0.21 0.55 0.18 0.29 0.36 0.52 0.49
Enterprise Value to Revenue (EV/Rev)		 2.20 3.06 2.22 0.36 1.38 3.29 1.09 1.42 1.73 7.81 5.93
Enterprise Value to EBITDA (EV/EBITDA)		 5.07 9.42 8.86 0.00 0.00 0.00 0.00 8.80 9.71 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 6.23 12.65 13.02 0.00 0.00 0.00 0.00 10.69 11.10 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 8.39 16.56 16.63 0.00 0.00 0.00 0.00 18.41 16.35 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.27 9.24 8.38 1.09 4.98 8.51 2.69 3.79 4.46 5.87 6.15
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 4.17 0.54 0.09 1.07 12.00 0.00 36.67 51.30 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.29 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.11 0.11
Long-Term Debt to Equity		 0.29 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.11 0.11
Financial Leverage		 0.15 0.16 0.47 0.34 0.14 0.03 0.00 0.00 0.00 0.05 0.05
Leverage Ratio		 10.28 9.34 9.12 9.07 9.15 8.58 8.62 8.50 8.70 9.16 9.23
Compound Leverage Factor		 10.28 9.34 9.12 9.07 9.15 8.58 8.62 8.50 8.70 9.16 9.23
Debt to Total Capital		 22.33% 5.65% 0.06% 0.05% 0.04% 0.04% 0.03% 0.02% 0.01% 10.00% 10.01%
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% 0.00%
Long-Term Debt to Total Capital		 22.33% 5.65% 0.06% 0.05% 0.04% 0.04% 0.03% 0.02% 0.01% 10.00% 10.01%
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% 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% 0.00%
Common Equity to Total Capital		 77.67% 94.35% 99.94% 99.95% 99.96% 99.96% 99.97% 99.98% 99.99% 90.00% 89.99%
Debt to EBITDA		 2.26 0.75 0.01 -0.01 -0.01 -0.02 -0.02 0.01 0.00 -0.89 -0.99
Net Debt to EBITDA		 -0.05 -0.12 -1.44 14.91 13.81 15.28 34.39 -15.82 -13.20 3.67 4.32
Long-Term Debt to EBITDA		 2.26 0.75 0.01 -0.01 -0.01 -0.02 -0.02 0.01 0.00 -0.89 -0.99
Debt to NOPAT		 3.74 1.32 0.02 -0.01 -0.01 -0.02 -0.01 0.01 0.01 -1.19 -1.32
Net Debt to NOPAT		 -0.09 -0.21 -2.69 14.26 14.17 14.16 32.90 -33.10 -22.22 4.94 5.81
Long-Term Debt to NOPAT		 3.74 1.32 0.02 -0.01 -0.01 -0.02 -0.01 0.01 0.01 -1.19 -1.32
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -137 60 402 257 106 36 2.13 -11 0.80 -43 9.80
Operating Cash Flow to CapEx		 0.00% 6,558.33% 2,686.96% 3,875.28% 9,316.98% 6,532.93% 1,571.97% 831.44% 3,036.50% 10,724.41% 661.59%
Free Cash Flow to Firm to Interest Expense		 -12.85 5.36 35.10 21.68 8.83 3.18 0.19 -1.09 0.07 -3.08 0.78
Operating Cash Flow to Interest Expense		 1.26 0.07 0.38 0.29 0.82 0.95 0.44 0.77 1.15 0.97 0.09
Operating Cash Flow Less CapEx to Interest Expense		 1.27 0.07 0.36 0.28 0.81 0.94 0.42 0.68 1.11 0.96 0.07
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.02 0.02 0.02 0.02 0.02 0.02 0.01 0.01
Fixed Asset Turnover		 16.07 13.53 12.36 8.30 8.73 10.02 9.99 12.13 12.77 3.95 4.94
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 539 465 437 435 437 436 440 439 444 439 438
Invested Capital Turnover		 0.26 0.22 0.16 0.12 0.14 0.16 0.16 0.20 0.21 0.07 0.08
Increase / (Decrease) in Invested Capital		 142 -59 -399 -281 -102 -30 2.74 3.44 6.72 3.10 -1.29
Enterprise Value (EV)		 270 329 222 24 92 241 78 127 161 229 217
Market Capitalization		 273 334 259 255 321 379 338 356 381 411 409
Book Value per Share		 $25.97 $27.20 $26.97 $26.71 $26.85 $27.07 $27.27 $27.04 $27.52 $24.52 $24.46
Tangible Book Value per Share		 $21.20 $22.46 $22.26 $22.04 $22.19 $22.38 $22.60 $22.41 $22.88 $19.88 $19.84
Total Capital		 539 465 437 435 437 436 440 439 444 439 438
Total Debt		 120 26 0.26 0.23 0.19 0.15 0.12 0.08 0.06 44 44
Total Long-Term Debt		 120 26 0.26 0.23 0.19 0.15 0.12 0.08 0.06 44 44
Net Debt		 -2.80 -4.16 -36 -231 -229 -137 -260 -229 -219 -181 -193
Capital Expenditures (CapEx)		 -0.09 0.01 0.16 0.09 0.11 0.16 0.31 0.97 0.41 0.13 0.16
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 -2.17 0.00 0.00 0.00 0.70 0.00 -0.62 0.00
Net Nonoperating Obligations (NNO)		 120 26 0.26 0.23 0.19 0.15 0.12 0.08 0.06 44 44
Total Depreciation and Amortization (D&A)		 2.29 1.48 1.95 1.94 1.14 -0.16 0.82 0.77 0.65 0.83 0.55
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.04 $0.18 ($1.36) $0.28 $0.38 $0.31 ($0.53) $0.47 ($2.49) $0.53
Adjusted Weighted Average Basic Shares Outstanding		 0.00 16.01M 16.08M 16.11M 16.04M 16.04M 15.98M 15.99M 15.91M 15.94M 15.93M
Adjusted Diluted Earnings per Share		 $0.00 $0.04 $0.18 ($1.36) $0.28 $0.38 $0.30 ($0.53) $0.47 ($2.48) $0.53
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 16.03M 16.09M 16.11M 16.07M 16.04M 16.00M 15.99M 15.93M 15.94M 15.97M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 16.19M 16.29M 16.28M 16.08M 16.12M 16.22M 16.13M 16.09M 16.13M 16.19M
Normalized Net Operating Profit after Tax (NOPAT)		 5.30 0.27 2.92 -24 4.57 6.00 4.88 -7.84 7.53 -40 8.51
Normalized NOPAT Margin		 19.56% 1.30% 11.48% 0.00% 16.83% 21.45% 18.06% -76.18% 24.33% 0.00% 24.93%
Pre Tax Income Margin		 25.47% 1.86% 15.44% 0.00% 25.68% 34.47% 24.00% -108.82% 31.06% 0.00% 33.97%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.65 0.04 0.34 -2.90 0.58 0.86 0.58 -1.08 0.88 -4.09 0.93
NOPAT to Interest Expense		 0.50 0.05 0.26 -2.03 0.38 0.53 0.44 -0.76 0.69 -2.86 0.68
EBIT Less CapEx to Interest Expense		 0.66 0.03 0.33 -2.91 0.57 0.84 0.56 -1.17 0.85 -4.10 0.92
NOPAT Less CapEx to Interest Expense		 0.51 0.05 0.24 -2.04 0.37 0.52 0.41 -0.85 0.65 -2.87 0.67
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 49.98% 80.96% 120.63% -123.73% -117.48% -192.62% -250.66% 233.87% 163.40% -45.20% -50.34%
Augmented Payout Ratio		 49.98% 80.96% 120.63% -123.73% -148.16% -243.19% -250.66% 326.88% 196.97% -54.43% -60.63%

Financials Breakdown Chart

Key Financial Trends

Bank of Marin Bancorp (NASDAQ: BMRC) showed a sharp turnaround in the latest quarter, with Q1 2026 net income of $8.5 million versus a $39.5 million loss in Q4 2025. The rebound was driven by a return to positive revenue, no credit loss provision, and much lower non-interest expense compared with the prior quarter.

  • Q1 2026 net income rebounded to $8.5 million from a $39.5 million loss in Q4 2025, signaling a major sequential recovery.
  • Net interest income improved to $30.3 million in Q1 2026 from $27.8 million in Q4 2025, helped by higher interest income and lower deposit interest expense.
  • Total revenue returned to $34.1 million in Q1 2026 after a negative $38.8 million total revenue in Q4 2025, when investment losses dragged results down.
  • The bank recorded no provision for credit losses in Q1 2026, which helped earnings and suggests relatively stable near-term credit quality.
  • Operating cash flow remained positive at $1.1 million in Q1 2026, showing the core business is still generating cash even after a volatile prior quarter.
  • Deposits increased by $12.6 million in Q1 2026, helping funding stability after mixed deposit trends in 2025.
  • Quarterly EPS in Q1 2026 was $0.53, a solid improvement from the Q4 2025 loss, but still below the stronger results seen in earlier periods.
  • Total assets were $3.91 billion, down modestly from $3.87 billion in Q3 2025 and below the longer-term 2024 levels, indicating a relatively stable but not expanding balance sheet.
  • The company continues to pay a $0.25 quarterly dividend per share, suggesting management is maintaining shareholder returns despite earnings volatility.
  • Non-interest income remains volatile and dependent on investment marks, which hurt results badly in Q4 2025 and can quickly swing quarterly earnings.
  • Loans and leases were essentially flat to slightly down versus prior quarters, suggesting limited loan growth momentum.
  • Accumulated other comprehensive loss was still negative at $(23.8) million in Q1 2026, reflecting ongoing mark-to-market pressure in the portfolio.
  • The allowance for loan and lease losses declined to $22.8 million from $29.9 million a year earlier, which may indicate less reserve coverage than before.

Looking at the broader trend, BMRC’s operating performance has improved dramatically since the weak late-2025 period. Revenue and earnings have normalized, and the bank is again profitable. That said, the stock still faces a few important risks: earnings can be distorted by securities gains and losses, loan growth is muted, and balance-sheet sensitivity to deposit and funding costs remains a key issue for investors to watch.

07/13/26 03:20 AM ETAI Generated. May Contain Errors.

Bank of Marin Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Bank of Marin Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Bank of Marin Bancorp's net income appears to be on a downward trend, with a most recent value of -$35.68 million in 2025, falling from $18.44 million in 2015. The previous period was -$8.41 million in 2024. Check out Bank of Marin Bancorp's forecast to explore projected trends and price targets.

Over the last 10 years, Bank of Marin Bancorp's total revenue changed from $76.38 million in 2015 to $29.39 million in 2025, a change of -61.5%.

Bank of Marin Bancorp's total liabilities were at $3.51 billion at the end of 2025, a 7.5% increase from 2024, and a 93.2% increase since 2015.

Over the last 10 years, Bank of Marin Bancorp's book value per share changed from 35.38 in 2015 to 24.52 in 2025, a change of -30.7%.


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Financial statements for NASDAQ:BMRC last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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