Bank of Marin Bancorp Logo

Bank of Marin Bancorp

BMRC

(3.0)
Stock Price

20,96 USD

0.81% ROA

4.65% ROE

10.49x PER

Market Cap.

339.732.265,00 USD

34.49% DER

4.75% Yield

16.73% NPM

Bank of Marin Bancorp Stock Analysis

Bank of Marin Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of Marin Bancorp Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.75x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (34%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past five years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

4 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

5 ROE

ROE in an average range (7.64%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.81%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (285) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

Bank of Marin Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of Marin Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Bank of Marin Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of Marin Bancorp Revenue
Year Revenue Growth
1998 1.851.000
1999 2.039.000 9.22%
2000 2.638.278 22.71%
2001 23.328.756 88.69%
2002 27.840.861 16.21%
2003 30.616.005 9.06%
2004 35.880.000 14.67%
2005 43.150.000 16.85%
2006 45.705.000 5.59%
2007 48.460.000 5.69%
2008 53.715.000 9.78%
2009 57.749.000 6.99%
2010 60.430.000 4.44%
2011 70.088.000 13.78%
2012 70.302.000 0.3%
2013 66.841.000 -5.18%
2014 79.482.000 15.9%
2015 76.380.000 -4.06%
2016 82.322.000 7.22%
2017 83.120.000 0.96%
2018 101.683.000 18.26%
2019 104.764.000 2.94%
2020 105.209.000 0.42%
2021 115.083.000 8.58%
2022 138.397.000 16.85%
2023 108.268.000 -27.83%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of Marin Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of Marin Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 0 0%
2000 7.026.521 100%
2001 8.834.722 20.47%
2002 10.446.216 15.43%
2003 10.766.645 2.98%
2004 11.954.000 9.93%
2005 13.819.000 13.5%
2006 15.490.000 10.79%
2007 15.900.000 2.58%
2008 16.097.000 1.22%
2009 18.651.000 13.69%
2010 21.662.000 13.9%
2011 23.901.000 9.37%
2012 24.570.000 2.72%
2013 28.229.000 12.96%
2014 29.702.000 4.96%
2015 31.641.000 6.13%
2016 32.528.000 2.73%
2017 37.019.000 12.13%
2018 40.172.000 7.85%
2019 40.131.000 -0.1%
2020 39.814.000 -0.8%
2021 50.474.000 21.12%
2022 51.178.000 1.38%
2023 45.928.000 -11.43%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of Marin Bancorp EBITDA
Year EBITDA Growth
1998 3.028.000
1999 3.650.000 17.04%
2000 16.799.722 78.27%
2001 17.975.663 6.54%
2002 17.249.392 -4.21%
2003 19.381.285 11%
2004 23.197.000 16.45%
2005 30.821.000 24.74%
2006 36.611.000 15.81%
2007 40.597.000 9.82%
2008 32.432.000 -25.18%
2009 29.080.000 -11.53%
2010 29.515.000 1.47%
2011 32.068.000 7.96%
2012 32.639.000 1.75%
2013 25.458.000 -28.21%
2014 36.174.000 29.62%
2015 33.769.000 -7.12%
2016 41.104.000 17.84%
2017 33.052.000 -24.36%
2018 50.017.000 33.92%
2019 49.009.000 -2.06%
2020 43.589.000 -12.43%
2021 47.761.000 8.74%
2022 69.387.000 31.17%
2023 71.812.000 3.38%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of Marin Bancorp Gross Profit
Year Gross Profit Growth
1998 1.851.000
1999 2.039.000 9.22%
2000 2.638.278 22.71%
2001 23.328.756 88.69%
2002 27.840.861 16.21%
2003 30.616.005 9.06%
2004 35.880.000 14.67%
2005 43.150.000 16.85%
2006 45.705.000 5.59%
2007 48.460.000 5.69%
2008 53.715.000 9.78%
2009 57.749.000 6.99%
2010 60.430.000 4.44%
2011 70.088.000 13.78%
2012 70.302.000 0.3%
2013 66.841.000 -5.18%
2014 79.482.000 15.9%
2015 76.380.000 -4.06%
2016 82.322.000 7.22%
2017 83.120.000 0.96%
2018 101.683.000 18.26%
2019 104.764.000 2.94%
2020 105.209.000 0.42%
2021 115.083.000 8.58%
2022 138.397.000 16.85%
2023 140.416.000 1.44%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of Marin Bancorp Net Profit
Year Net Profit Growth
1998 3.028.000
1999 3.650.000 17.04%
2000 4.522.577 19.29%
2001 5.148.148 12.15%
2002 6.242.025 17.52%
2003 7.473.155 16.47%
2004 9.518.000 21.48%
2005 11.737.000 18.91%
2006 11.883.000 1.23%
2007 12.324.000 3.58%
2008 12.150.000 -1.43%
2009 12.765.000 4.82%
2010 13.552.000 5.81%
2011 15.564.000 12.93%
2012 17.817.000 12.65%
2013 14.270.000 -24.86%
2014 19.771.000 27.82%
2015 18.441.000 -7.21%
2016 23.134.000 20.29%
2017 15.976.000 -44.8%
2018 32.622.000 51.03%
2019 34.241.000 4.73%
2020 30.242.000 -13.22%
2021 33.228.000 8.99%
2022 46.586.000 28.67%
2023 21.180.000 -119.95%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of Marin Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
1999 0 0%
2000 0 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 2 0%
2013 1 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 1 0%
2018 2 50%
2019 3 0%
2020 2 0%
2021 2 0%
2022 0 0%
2023 1 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of Marin Bancorp Free Cashflow
Year Free Cashflow Growth
2000 5.545.586
2001 3.639.387 -52.38%
2002 8.503.184 57.2%
2003 6.427.562 -32.29%
2004 10.154.000 36.7%
2005 11.801.000 13.96%
2006 9.844.000 -19.88%
2007 10.934.000 9.97%
2008 19.678.000 44.44%
2009 12.882.000 -52.76%
2010 21.825.000 40.98%
2011 19.909.000 -9.62%
2012 19.585.000 -1.65%
2013 20.243.000 3.25%
2014 16.523.000 -22.51%
2015 22.264.000 25.79%
2016 24.406.000 8.78%
2017 25.513.000 4.34%
2018 41.200.000 38.08%
2019 40.391.000 -2%
2020 39.864.000 -1.32%
2021 44.209.000 9.83%
2022 53.011.000 16.6%
2023 2.480 -2137440.32%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of Marin Bancorp Operating Cashflow
Year Operating Cashflow Growth
2000 5.796.394
2001 6.036.508 3.98%
2002 9.823.433 38.55%
2003 7.377.120 -33.16%
2004 10.506.000 29.78%
2005 13.770.000 23.7%
2006 13.699.000 -0.52%
2007 11.555.000 -18.55%
2008 21.503.000 46.26%
2009 14.003.000 -53.56%
2010 23.548.000 40.53%
2011 22.381.000 -5.21%
2012 20.806.000 -7.57%
2013 21.201.000 1.86%
2014 18.857.000 -12.43%
2015 23.682.000 20.37%
2016 25.446.000 6.93%
2017 26.947.000 5.57%
2018 42.107.000 36%
2019 40.933.000 -2.87%
2020 40.845.000 -0.22%
2021 45.253.000 9.74%
2022 55.277.000 18.13%
2023 2.480 -2228811.29%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of Marin Bancorp Capital Expenditure
Year Capital Expenditure Growth
2000 250.808
2001 2.397.121 89.54%
2002 1.320.249 -81.57%
2003 949.558 -39.04%
2004 352.000 -169.76%
2005 1.969.000 82.12%
2006 3.855.000 48.92%
2007 621.000 -520.77%
2008 1.825.000 65.97%
2009 1.121.000 -62.8%
2010 1.723.000 34.94%
2011 2.472.000 30.3%
2012 1.221.000 -102.46%
2013 958.000 -27.45%
2014 2.334.000 58.95%
2015 1.418.000 -64.6%
2016 1.040.000 -36.35%
2017 1.434.000 27.48%
2018 907.000 -58.1%
2019 542.000 -67.34%
2020 981.000 44.75%
2021 1.044.000 6.03%
2022 2.266.000 53.93%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of Marin Bancorp Equity
Year Equity Growth
1998 24.030.000
1999 28.691.000 16.25%
2000 34.352.137 16.48%
2001 40.600.890 15.39%
2002 47.116.611 13.83%
2003 55.576.541 15.22%
2004 65.608.000 15.29%
2005 78.221.000 16.12%
2006 89.525.000 12.63%
2007 87.774.000 -1.99%
2008 125.546.000 30.09%
2009 109.051.000 -15.13%
2010 121.920.000 10.56%
2011 135.551.000 10.06%
2012 151.792.000 10.7%
2013 180.887.000 16.08%
2014 200.026.000 9.57%
2015 214.473.000 6.74%
2016 230.563.000 6.98%
2017 297.025.000 22.38%
2018 316.407.000 6.13%
2019 336.788.000 6.05%
2020 358.253.000 5.99%
2021 450.368.000 20.45%
2022 412.092.000 -9.29%
2023 418.618.000 1.56%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of Marin Bancorp Assets
Year Assets Growth
1998 292.859.000
1999 346.681.000 15.52%
2000 379.096.452 8.55%
2001 455.416.689 16.76%
2002 539.025.107 15.51%
2003 642.606.611 16.12%
2004 737.094.000 12.82%
2005 840.449.000 12.3%
2006 876.578.000 4.12%
2007 933.901.000 6.14%
2008 1.049.557.000 11.02%
2009 1.121.672.000 6.43%
2010 1.208.150.000 7.16%
2011 1.393.263.000 13.29%
2012 1.434.749.000 2.89%
2013 1.805.194.000 20.52%
2014 1.787.130.000 -1.01%
2015 2.031.134.000 12.01%
2016 2.023.493.000 -0.38%
2017 2.468.154.000 18.02%
2018 2.520.892.000 2.09%
2019 2.707.280.000 6.88%
2020 2.911.926.000 7.03%
2021 4.314.209.000 32.5%
2022 4.147.464.000 -4.02%
2023 4.035.549.000 -2.77%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of Marin Bancorp Liabilities
Year Liabilities Growth
1998 268.829.000
1999 317.990.000 15.46%
2000 344.744.315 7.76%
2001 414.815.799 16.89%
2002 491.908.496 15.67%
2003 587.030.070 16.2%
2004 671.486.000 12.58%
2005 762.228.000 11.9%
2006 787.053.000 3.15%
2007 846.127.000 6.98%
2008 924.011.000 8.43%
2009 1.012.621.000 8.75%
2010 1.086.230.000 6.78%
2011 1.257.712.000 13.63%
2012 1.282.957.000 1.97%
2013 1.624.307.000 21.02%
2014 1.587.104.000 -2.34%
2015 1.816.661.000 12.64%
2016 1.792.930.000 -1.32%
2017 2.171.129.000 17.42%
2018 2.204.485.000 1.51%
2019 2.370.492.000 7%
2020 2.553.673.000 7.17%
2021 3.863.841.000 33.91%
2022 3.735.372.000 -3.44%
2023 3.616.931.000 -3.27%

Bank of Marin Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.66
Net Income per Share
2.01
Price to Earning Ratio
10.49x
Price To Sales Ratio
2.77x
POCF Ratio
8.92
PFCF Ratio
9.85
Price to Book Ratio
0.81
EV to Sales
2.94
EV Over EBITDA
5.67
EV to Operating CashFlow
9.54
EV to FreeCashFlow
10.46
Earnings Yield
0.1
FreeCashFlow Yield
0.1
Market Cap
0,34 Bil.
Enterprise Value
0,36 Bil.
Graham Number
34.34
Graham NetNet
-173.07

Income Statement Metrics

Net Income per Share
2.01
Income Quality
1.41
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.76
EBT Per Ebit
0.6
Ebit per Revenue
0.36
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.39
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.16
Operating Profit Margin
0.36
Pretax Profit Margin
0.22
Net Profit Margin
0.17

Dividends

Dividend Yield
0.05
Dividend Yield %
4.75
Payout Ratio
0.37
Dividend Per Share
1

Operating Metrics

Operating Cashflow per Share
2.36
Free CashFlow per Share
2.15
Capex to Operating CashFlow
-0.09
Capex to Revenue
-0.03
Capex to Depreciation
-1.14
Return on Invested Capital
0.08
Return on Tangible Assets
0.01
Days Sales Outstanding
242.17
Days Payables Outstanding
-667.44
Days of Inventory on Hand
0
Receivables Turnover
1.51
Payables Turnover
-0.55
Inventory Turnover
0
Capex per Share
-0.21

Balance Sheet

Cash per Share
48,79
Book Value per Share
26,12
Tangible Book Value per Share
21.32
Shareholders Equity per Share
26.12
Interest Debt per Share
10.66
Debt to Equity
0.34
Debt to Assets
0.04
Net Debt to EBITDA
0.33
Current Ratio
11.89
Tangible Asset Value
0,34 Bil.
Net Current Asset Value
-1,90 Bil.
Invested Capital
0.34
Working Capital
1,57 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,08 Bil.
Average Payables
0,03 Bil.
Average Inventory
0
Debt to Market Cap
0.42

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of Marin Bancorp Dividends
Year Dividends Growth
2004 1
2005 0 0%
2006 0 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 100%

Bank of Marin Bancorp Profile

About Bank of Marin Bancorp

Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, professionals, not-for-profit organizations, and individuals in California, the United States. It offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry and insured cash sweep services. The company also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, it offers merchant and payroll, and cash management services; credit cards; fraud detection tools; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, the company provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. It operates through 12 branch offices in Marin, southern Sonoma counties, and north of San Francisco, California; and a loan production office in San Francisco. The company was incorporated in 1989 and is headquartered in Novato, California.

CEO
Mr. Timothy D. Myers
Employee
329
Address
504 Redwood Boulevard
Novato, 94947

Bank of Marin Bancorp Executives & BODs

Bank of Marin Bancorp Executives & BODs
# Name Age
1 Mr. Patrick J. London
Executive Vice President & Director of Private Banking
70
2 Ms. Nicolette Sloan
Executive Vice President and Head of Growth & Strategy
70
3 Ms. Boo Wilson
Chief Marketing Officer
70
4 Mr. Sathis Arasadi
Chief Information Officer
70
5 Mr. Timothy D. Myers
President, Chief Executive Officer & Director
70
6 Ms. Tani Girton
Executive Vice President & Chief Financial Officer
70
7 Mr. David Bloom
Executive Vice President & Head of Commercial Banking
70
8 Mr. David A. Merck
First Vice President & Controller
70
9 Ms. Misako Stewart
Executive Vice President & Chief Credit Officer of Bank of Marin
70
10 Ms. Deborah Hoke Smith
Senior Vice President & Director of Wealth Management & Trust, AIF
70

Bank of Marin Bancorp Competitors