Stocks · Financial Services · Banks - Regional
Bank of Marin Bancorp BMRC
$27.71 +1.65% Close, Oct 2, 2026 · NASDAQ · Market cap $448.6M
High qualityInexpensive vs sector
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $4.07, up 846.5% year over year.
- Operating margin widened to 40.1% from 8.9% a year earlier.
- Revenue over the last four quarters was $200.8M, up 50.5% from a year earlier, slowing from 58.4% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 7%
- EPS growth (TTM, YoY)Top 1%
- FCF growth (TTM, YoY)Top 50%
- Revenue growth, 3-year CAGRBottom 23%
- Revenue growth accelerationBottom 19%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 37%
- Gross marginTop 11%
- Operating marginTop 15%
- Cash conversion (OCF / net income)Bottom 27%
- Accruals (lower is better)Bottom 25%
- Net debt / EBITDA (lower is better)Top 8%
- Interest coverTop 33%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 6%
- Free-cash-flow yieldTop 46%
- EBITDA / enterprise valueTop 2%
- Sales / enterprise valueTop 10%
- P/E vs own 5-year history (lower is better)Top 9%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 46%
- 6-month returnTop 46%
- 1-year return vs S&P 500Top 38%
- Distance from 52-week highTop 50%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 32%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 40%
- Upside to consensus price targetBottom 37%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 39%
- Maximum drawdown, 3 yearsBottom 32%
- Beta vs S&P 500 (lower is better)Bottom 48%
- Net debt / EBITDA (lower is better)Top 8%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 58.4% | 50.5% | ↓ |
| Gross margin | 67.2% | 83.1% | ↑ |
| Operating margin | 8.9% | 40.1% | ↑ |
| FCF margin | 24.0% | 18.9% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 50.5% | 58.4% | ↓ | Top 7% |
| EPS growth (TTM, YoY) | 846.5% | — | Top 1% | |
| Gross margin | 83.1% | 67.2% | ↑ | Top 11% |
| Operating margin | 40.1% | 8.9% | ↑ | Top 15% |
| Net margin | 32.3% | 5.2% | ↑ | — |
| Free-cash-flow margin | 18.9% | 24.0% | ↓ | — |
| Return on invested capital | 3.5% | — | Top 37% | |
| Revenue growth, 3-year CAGR | 7.9% | — | Bottom 23% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.60×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.11×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.59%
- Net buyback yield (TTM)
- 0.26%
- Shareholder yield
- 3.86%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- -0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +8.7%
- Average 2-day reaction, last 8
- +2.7%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $31.00
- Target vs current price
- +11.9%
- Analysts with a rating
- 15
- Share rating Buy or Strong Buy
- 40%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +12.6% | +5.3% | +1.4% | -6.5% | — |
| Apr 27, 2026 | -5.4% | -2.2% | +0.0% | +0.7% | +10.0% |
| Jan 26, 2026 | +15.7% | +3.7% | +1.6% | -2.2% | -2.0% |
| Oct 27, 2025 | +11.9% | +4.9% | +5.2% | +7.8% | +12.4% |
| Jul 28, 2025 | -19.4% | -0.6% | -6.6% | +2.0% | -2.0% |
| Apr 28, 2025 | -6.3% | +0.7% | +2.6% | -1.6% | +18.0% |
| Jan 27, 2025 | +18.8% | +5.6% | +5.3% | +2.2% | -13.5% |
| Oct 28, 2024 | +3.7% | +4.3% | +1.6% | +20.3% | +10.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.58 | $0.52 | +12.6% | $34.0M |
| Apr 27, 2026 | $0.53 | $0.56 | -5.4% | $34.1M |
| Jan 26, 2026 | $0.59 | $0.51 | +15.7% | $34.0M |
| Oct 27, 2025 | $0.47 | $0.42 | +11.9% | $29.8M |
| Jul 28, 2025 | $0.29 | $0.36 | -19.4% | $19.6M |
| Apr 28, 2025 | $0.30 | $0.32 | -6.3% | $26.9M |
| Jan 27, 2025 | $0.38 | $0.32 | +18.8% | $28.0M |
| Oct 28, 2024 | $0.28 | $0.27 | +3.7% | $26.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 6.8× | 13.3× | 6th | Top 6% |
| P/E (forward) | 12.1× | — | — | — |
| EV / EBITDA | 2.3× | — | — | Top 2% |
| EV / Sales | 0.96× | — | — | Top 10% |
| Free-cash-flow yield | 8.47% | — | — | Top 46% |
| Earnings yield | 14.69% | — | — | Top 6% |
P/E over the past five years
Range 5.1× – 51.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +14.9%
- Earnings per share growth (TTM)
- +846.5%
- Change in P/E multiple
- -86.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 22
- 50-day average slope (20 days)
- -0.8%
- 200-day average slope (20 days)
- +0.4%
- Distance from 50-day average
- -0.6%
- Distance from 200-day average
- +3.6%
- RSI (14)
- 51.2
- Relative volume
- 0.64×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.2%
- Volatility vs own 5-year history
- 13th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.71
- Correlation with S&P 500
- 0.40
- Current drawdown from 1-year high
- -8.5%
- Maximum drawdown, 3 years
- -36.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 8, 2021 | May 4, 2023 | -66.7% | 544 days | Not yet recovered |
| Dec 16, 2020 | Dec 29, 2020 | -15.6% | 8 days | 9 days (Jan 12, 2021) |
| Jan 20, 2021 | Feb 18, 2021 | -10.0% | 20 days | 12 days (Mar 8, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $448.6M
- P/E (TTM)
- 6.8
- EPS, diluted (TTM)
- $4.07
- Revenue (TTM)
- $200.8M
- Dividend yield
- 3.61%
- 52-week range
- $22.50 – $30.92
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $118.5M | $140.7M | $141.7M | $116.4M | $176.7M |
| Gross profit | $117.5M | $138.5M | $102.7M | $64.5M | $134.5M |
| Operating income | $44.9M | $63.5M | $26.0M | -$13.8M | $51.6M |
| Net income | $33.2M | $46.6M | $19.9M | -$8.4M | $43.4M |
| EPS (diluted) | $2.30 | $2.92 | $1.24 | -$0.52 | $2.73 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $38.3M | $38.4M | $37.2M | $19.6M | $40.7M | $79.3M | $46.6M | $34.3M |
| Net income | $4.6M | $6.0M | $4.9M | -$8.5M | $7.5M | $39.5M | $8.5M | $9.2M |
| EPS (diluted) | $0.28 | $0.38 | $0.30 | -$0.53 | $0.47 | $2.49 | $0.53 | $0.58 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $45.3M | $55.3M | $35.7M | $28.4M | $39.1M |
| Capital expenditure | -$1.0M | -$2.3M | -$1.7M | -$520,000 | -$1.8M |
| Free cash flow | $44.2M | $53.0M | $33.9M | $27.8M | $37.3M |
| Dividends paid | -$13.1M | -$15.7M | -$16.1M | -$16.2M | -$16.1M |
| Net share buybacks | -$40.9M | -$1.3M | -$70,000 | -$4.3M | -$3.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.52B
- Total assets
- $3.86B
- Total liabilities
- $3.46B
- Total debt
- $23.5M
- Net debt
- -$256.1M
- Shareholders’ equity
- $396.7M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 6, 2026 | $0.25 | Aug 13, 2026 |
| May 7, 2026 | $0.25 | May 14, 2026 |
| Feb 5, 2026 | $0.25 | Feb 12, 2026 |
| Nov 6, 2025 | $0.25 | Nov 13, 2025 |
| Aug 7, 2025 | $0.25 | Aug 14, 2025 |
| May 8, 2025 | $0.25 | May 15, 2025 |
| Feb 6, 2025 | $0.25 | Feb 13, 2025 |
| Nov 7, 2024 | $0.25 | Nov 14, 2024 |
Short interest
- Shares sold short
- 865,943
- Days to cover
- 7.77
- Change vs previous report
- -4.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 28, 2018
- 2-for-1
- Apr 20, 2006
- 21-for-20
- Apr 18, 2005
- 21-for-20
- May 25, 2004
- 3-for-2
- Apr 16, 2003
- 21-for-20