BMRC · Bank of Marin Bancorp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.30M | $1.50M | $2.10M | $1.80M | $1.74M | $2.15M |
| Operating Income | ($52.48M) | ($13.84M) | $26.04M | $63.51M | $40.59M | $40.59M |
| Interest Expense | - | - | $36.73M | $2.55M | $3.40M | $2.98M |
| Income Tax | ($16.81M) | ($5.43M) | $6.14M | $16.92M | $11.66M | $10.35M |
| Net Income | ($35.67M) | ($8.41M) | $19.89M | $46.59M | $33.23M | $30.24M |
| EPS - Basic | ($2.24) | ($0.52) | $1.24 | $2.93 | $2.32 | $2.24 |
| EPS - Diluted | ($2.24) | ($0.52) | $1.24 | $2.92 | $2.30 | $2.22 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $225.30M | $137.30M | $30.45M | $45.42M | $347.64M | $200.32M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $3.90B | $3.70B | $3.80B | $4.15B | $4.31B | $2.91B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $3.51B | $3.27B | $3.36B | $3.74B | $3.86B | $2.55B |
| Stockholders' Equity | $394.65M | $435.41M | $439.06M | $412.09M | $450.37M | $358.25M |
| Retained Earnings | $198.16M | $249.96M | $274.57M | $270.78M | $239.87M | $219.75M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $39.08M | $28.36M | $35.66M | $55.28M | $45.25M | $40.84M |
| Investing Cash Flow | ($171.99M) | $195.17M | $334.69M | ($218.10M) | ($340.67M) | ($173.44M) |
| Financing Cash Flow | $220.91M | ($116.69M) | ($385.32M) | ($139.40M) | $442.73M | $149.53M |
| CapEx | $1.82M | $520.0K | $1.75M | $981.0K | $1.04M | $981.0K |
| Free Cash Flow | $37.26M | $27.84M | $33.91M | $54.30M | $44.21M | $39.86M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | -1.04 | -3.31 | 1.70 | 1.17 | 1.33 | 1.32 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | - | - | 23.6% | 26.6% | 26.0% | 25.5% |
| Return on assets | -0.9% | -0.2% | 0.5% | 1.1% | 0.8% | 1.0% |
| Return on equity | -9.0% | -1.9% | 4.5% | 11.3% | 7.4% | 8.4% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.7x | 24.9x | 11.9x | 13.6x |
| Equity multiplier | 9.89 | 8.50 | 8.66 | 10.06 | 9.58 | 8.13 |
| Liabilities / Assets | 0.90 | 0.88 | 0.88 | 0.90 | 0.90 | 0.88 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | 17.8x | 11.3x | 16.2x | 15.5x |
| P / B | 1.1x | 0.9x | 0.8x | 1.3x | 1.2x | 1.3x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | 11.5x | 7.3x | 4.5x | 6.3x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -279.3% | - | -59.0% | 56.5% | 0.0% | -11.6% |
| Net income growth (YoY) | -324.2% | - | -57.3% | 40.2% | 9.9% | -11.7% |
| EPS growth (YoY) | -330.8% | - | -57.5% | 27.0% | 3.6% | -10.5% |
| EPS CAGR (3y) | - | - | -17.6% | 5.6% | -0.4% | -4.5% |
| EPS CAGR (5y) | - | - | -11.9% | 2.7% | -9.5% | -6.1% |
| FCF growth (YoY) | 33.8% | -17.9% | -37.5% | 22.8% | 10.9% | -1.3% |
| FCF CAGR (5y) | -1.3% | -7.2% | -3.8% | 16.3% | 12.6% | 12.4% |
| Book value growth (YoY) | -9.4% | -0.8% | 6.5% | -8.5% | 25.7% | 6.4% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✗Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing Bank of Marin Bancorp against the 5 most active filers in the same SIC group.
Dividends
$1.00/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 7, 2026 | $0.2500 |
| Feb 5, 2026 | $0.2500 |
| Nov 6, 2025 | $0.2500 |
| Aug 7, 2025 | $0.2500 |
| May 8, 2025 | $0.2500 |
| Feb 6, 2025 | $0.2500 |
| Nov 7, 2024 | $0.2500 |
| Aug 8, 2024 | $0.2500 |
| May 8, 2024 | $0.2500 |
| Feb 7, 2024 | $0.2500 |
| Nov 2, 2023 | $0.2500 |
| Aug 3, 2023 | $0.2500 |
| May 4, 2023 | $0.2500 |
| Feb 2, 2023 | $0.2500 |
| Nov 4, 2022 | $0.2500 |
| Aug 4, 2022 | $0.2500 |
| May 5, 2022 | $0.2400 |
| Feb 3, 2022 | $0.2400 |
| Nov 4, 2021 | $0.2400 |
| Jul 29, 2021 | $0.2400 |
| Apr 29, 2021 | $0.2300 |
| Feb 4, 2021 | $0.2300 |
| Nov 5, 2020 | $0.2300 |
| Jul 30, 2020 | $0.2300 |