Bank of Marin Bancorp (BMRC) Stock

Bank of Marin Bancorp (BMRC) is a Financials stock trading at $26.92 (as of 2026-08-21), with a market capitalization of $435.95M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Bank of Marin Bancorp is a holding company for Bank of Marin, which provides financial services to small and mid-sized businesses, professionals, not-for-profit organizations, and individuals. The bank offers deposit products, lending (including commercial real estate and construction financing), cash management and related payments services, and wealth management and trust services in California.

Understand Bank of Marin Bancorp: how it makes money

Bank of Marin Bancorp is the holding company for Bank of Marin, which provides banking services to small and medium-sized businesses, professionals, not-for-profit organizations, and individuals in California, primarily through deposit accounts and a range of loan products for commercial real estate and commercial and industrial lending, funded through customer deposits and related deposit programs.

Bank profitability is driven by how effectively it converts customer funding into interest-earning assets (reflected in tax-equivalent yield and loan-to-deposit), while controlling credit risk (reflected in non-accrual loans, allowance for credit loss provision, and net charge-offs).

Business quality (Solid): Clear operating focus on loan performance and funding mix, with credit indicators tracked through non-accrual loans, allowance, and net charge-offs, and profitability reflected in operating margin.

Bull case

  • Credit quality indicators are tracked closely: Non-Accrual Loans as a Percentage of Loan Portfolio is 1.51% and Net Charge-Offs are 0.0 USD_B, with an Allowance for Credit Loss Provision of 0.01 USD_B reported for the period.
  • Operating profitability is positive: Operating margin is 27.1% for the period ending 2026-03-31.

Bear case

  • Some credit monitoring categories exist: Loans Designated as Special Mention are 0.12 USD_B, and Non-Accrual Loans are not zero (1.51% of the loan portfolio).
  • Funding mix matters: Loan-to-Deposit Ratio is 62.0, so profitability depends on maintaining an appropriate balance between loans and deposits as business changes.
Valuation — source: SEC EDGAR (first-party)
Price$26.92
Market Cap$435.95M
Price / Book1.10
Price / Sales2.57
FCF Yield3.4%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$152.43M
Net Margin-23.4%
Revenue Growth (YoY)21.4%
EPS Growth (YoY)71.0%
FCF Growth (YoY)-80.1%
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($35.93M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOTimothy D. Myers
Employees291
CountryUS
IPO Date1999-12-23

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BMRC earnings history · BMRC institutional & insider holders · BMRC KPIs & operating metrics · BMRC financials · BMRC investor presentations & press releases · BMRC SEC filings · BMRC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.