What is Bank Marin Bancorp's earnings per share (EPS)?

Bank Marin Bancorp (BMRC) reported diluted earnings per share of $-2.24 for fiscal year 2025. This represents a -330.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bank Marin Bancorp Financials

BMRC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Bank Marin Bancorp (BMRC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 33/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Bank Marin Bancorp's revenue grew 7.9% year-over-year to $152.4M, a solid pace of expansion. This earns a growth score of 46/100.

Leverage

Bank Marin Bancorp has elevated debt relative to equity (D/E of 8.89), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Bank Marin Bancorp converts 24.4% of revenue into free cash flow ($37.3M). This strong cash generation earns a score of 86/100.

Returns

Bank Marin Bancorp generates a -9.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is down from -1.9% the prior year.

Piotroski F-Score Weak

3/9

Bank Marin Bancorp passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

-1.10x

For every $1 of reported earnings, Bank Marin Bancorp generates $-1.10 in operating cash flow ($39.1M OCF vs -$35.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$152.4M

YoY+7.9%

5Y CAGR+8.9%

10Y CAGR+8.2%

Bank Marin Bancorp generated $152.4M in revenue in fiscal year 2025. This represents an increase of 7.9% from the prior year.

EBITDA

N/A

Net Income

-$35.7M

YoY-324.2%

Bank Marin Bancorp reported -$35.7M in net income in fiscal year 2025. This represents a decrease of 324.2% from the prior year.

EPS (Diluted)

$-2.24

YoY-330.8%

Bank Marin Bancorp earned $-2.24 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 330.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$37.3M

YoY+33.8%

5Y CAGR-1.3%

10Y CAGR+5.3%

Bank Marin Bancorp generated $37.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 33.8% from the prior year.

Cash & Debt

$225.3M

YoY+64.1%

5Y CAGR+2.4%

10Y CAGR+50.4%

Bank Marin Bancorp held $225.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.00

YoY+0.0%

5Y CAGR+1.7%

10Y CAGR+1.1%

Bank Marin Bancorp paid $1.00 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

16M

YoY+0.1%

5Y CAGR+3.6%

10Y CAGR+10.3%

Bank Marin Bancorp had 16M shares outstanding in fiscal year 2025. This represents an increase of 0.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-23.4%

YoY-17.5pp

5Y CAGR-53.8pp

10Y CAGR-50.0pp

Bank Marin Bancorp's net profit margin was -23.4% in fiscal year 2025, showing the share of revenue converted to profit. This is down 17.5 percentage points from the prior year.

Return on Equity

-9.0%

YoY-7.1pp

5Y CAGR-17.5pp

10Y CAGR-17.6pp

Bank Marin Bancorp's ROE was -9.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 7.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$3.3M

YoY-22.6%

5Y CAGR-13.7%

Bank Marin Bancorp spent $3.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 22.6% from the prior year.

Capital Expenditures

$1.8M

YoY+249.8%

5Y CAGR+13.1%

10Y CAGR+2.5%

Bank Marin Bancorp invested $1.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 249.8% from the prior year.

BMRC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$152.4M+7.9%	$141.3M+1.3%	$139.5M+7.3%	$130.0M+20.0%	$108.4M+8.7%	$99.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$46.4M-6.6%	$49.7M+35.3%	$36.7M+1341.1%	$2.5M-25.1%	$3.4M+14.2%	$3.0M
Income Tax	-$16.8M-209.8%	-$5.4M-188.4%	$6.1M-63.7%	$16.9M+45.2%	$11.7M+12.7%	$10.3M
Net Income	-$35.7M-324.2%	-$8.4M-142.3%	$19.9M-57.3%	$46.6M+40.2%	$33.2M+9.9%	$30.2M
EPS (Diluted)	$-2.24-330.8%	$-0.52-141.9%	$1.24-57.5%	$2.92+27.0%	$2.30+3.6%	$2.22

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$41.8M+7.1%	$39.1M+7.7%	$36.3M+3.0%	$35.2M-3.4%	$36.5M+0.4%	$36.3M+5.8%	$34.3M+0.5%	$34.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$12.1M+1.2%	$11.9M+5.3%	$11.3M+1.8%	$11.1M-1.2%	$11.2M-12.6%	$12.9M+8.4%	$11.9M+3.6%	$11.5M
Income Tax	-$17.8M-955.8%	$2.1M+178.3%	-$2.7M-265.9%	$1.6M-56.0%	$3.6M+51.6%	$2.4M+119.3%	-$12.5M-1339.3%	$1.0M
Net Income	-$39.5M-625.4%	$7.5M+188.2%	-$8.5M-275.1%	$4.9M-18.7%	$6.0M+31.3%	$4.6M+120.9%	-$21.9M-849.6%	$2.9M
EPS (Diluted)	N/A	$0.47+188.7%	$-0.53-276.7%	$0.30-21.1%	$0.38+35.7%	$0.28+120.6%	$-1.36-855.6%	$0.18

BMRC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.9B+5.5%	$3.7B-2.7%	$3.8B-8.3%	$4.1B-3.9%	$4.3B+48.2%	$2.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$225.3M+64.1%	$137.3M+350.9%	$30.5M-33.0%	$45.4M-86.9%	$347.6M+73.5%	$200.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M+141.4%	$30.1M
Total Liabilities	$3.5B+7.5%	$3.3B-2.9%	$3.4B-9.9%	$3.7B-3.3%	$3.9B+51.3%	$2.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$394.7M-9.4%	$435.4M-0.8%	$439.1M+6.5%	$412.1M-8.5%	$450.4M+25.7%	$358.3M
Retained Earnings	$198.2M-20.7%	$250.0M-9.0%	$274.6M+1.4%	$270.8M+12.9%	$239.9M+9.2%	$219.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$3.9B+0.9%	$3.9B+3.8%	$3.7B-1.5%	$3.8B+2.2%	$3.7B-2.4%	$3.8B+2.7%	$3.7B-1.9%	$3.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$225.3M+2.7%	$219.3M-4.2%	$228.9M-12.0%	$259.9M+89.3%	$137.3M-40.1%	$229.2M-1.0%	$231.4M+537.3%	$36.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M
Total Liabilities	$3.5B+2.5%	$3.4B+4.2%	$3.3B-1.7%	$3.3B+2.4%	$3.3B-2.7%	$3.4B+2.9%	$3.3B-2.1%	$3.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$394.7M-11.1%	$443.8M+1.2%	$438.5M-0.2%	$439.6M+1.0%	$435.4M-0.4%	$437.0M+0.5%	$434.9M-0.4%	$436.7M
Retained Earnings	$198.2M-18.0%	$241.7M+1.5%	$238.2M-5.0%	$250.8M+0.3%	$250.0M+0.8%	$248.0M+0.2%	$247.5M-9.5%	$273.4M

BMRC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$39.1M+37.8%	$28.4M-20.5%	$35.7M-35.5%	$55.3M+22.2%	$45.3M+10.8%	$40.8M
Capital Expenditures	$1.8M+249.8%	$520K-70.3%	$1.7M-22.8%	$2.3M+117.0%	$1.0M+6.4%	$981K
Free Cash Flow	$37.3M+33.8%	$27.8M-17.9%	$33.9M-36.0%	$53.0M+19.9%	$44.2M+10.9%	$39.9M
Investing Cash Flow	-$172.0M-188.1%	$195.2M-41.7%	$334.7M+253.5%	-$218.1M+36.0%	-$340.7M-96.4%	-$173.4M
Financing Cash Flow	$220.9M+289.3%	-$116.7M+69.7%	-$385.3M-176.4%	-$139.4M-131.5%	$442.7M+196.1%	$149.5M
Dividends Paid	$16.1M-0.4%	$16.2M+0.6%	$16.1M+2.8%	$15.7M+19.6%	$13.1M+4.8%	$12.5M
Share Buybacks	$3.3M-22.6%	$4.3M	$0-100.0%	$1.3M-96.9%	$40.8M+490.9%	$6.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$13.6M+9.1%	$12.5M+55.2%	$8.0M+62.9%	$4.9M-53.9%	$10.7M+8.5%	$9.9M+186.3%	$3.4M-20.3%	$4.3M
Capital Expenditures	$127K-69.1%	$411K-57.5%	$967K+208.0%	$314K+91.5%	$164K+54.7%	$106K+19.1%	$89K-44.7%	$161K
Free Cash Flow	$13.5M+11.8%	$12.1M+70.6%	$7.1M+53.0%	$4.6M-56.2%	$10.6M+8.0%	$9.8M+190.8%	$3.4M-19.3%	$4.2M
Investing Cash Flow	-$81.6M+47.2%	-$154.4M-740.9%	$24.1M-39.6%	$39.9M+529.8%	-$9.3M+90.7%	-$99.3M-137.3%	$266.1M+607.1%	$37.6M
Financing Cash Flow	$73.9M-44.2%	$132.4M+309.5%	-$63.2M-181.2%	$77.8M+183.4%	-$93.3M-207.1%	$87.1M+217.1%	-$74.4M-106.2%	-$36.1M
Dividends Paid	$4.0M0.0%	$4.0M-0.7%	$4.1M+0.7%	$4.0M+0.1%	$4.0M-1.1%	$4.1M-0.2%	$4.1M+0.7%	$4.0M
Share Buybacks	$0-100.0%	$1.1M	N/A	N/A	$19K-99.6%	$4.2M	N/A	N/A

BMRC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-23.4%-17.5pp	-5.9%-20.2pp	14.3%-21.6pp	35.8%+5.2pp	30.7%+0.3pp	30.3%
Return on Equity	-9.0%-7.1pp	-1.9%-6.5pp	4.5%-6.8pp	11.3%+3.9pp	7.4%-1.1pp	8.4%
Return on Assets	-0.9%-0.7pp	-0.2%-0.8pp	0.5%-0.6pp	1.1%+0.3pp	0.8%-0.3pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.89+1.4	7.50-0.2	7.66-1.4	9.06+0.5	8.58+1.5	7.13
FCF Margin	24.4%+4.7pp	19.7%-4.6pp	24.3%-16.4pp	40.8%-0.0pp	40.8%+0.8pp	40.0%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-94.5%-113.8pp	19.3%+42.8pp	-23.5%-37.4pp	13.8%-2.6pp	16.4%+3.9pp	12.6%+76.4pp	-63.8%-72.4pp	8.6%
Return on Equity	-10.0%-11.7pp	1.7%+3.7pp	-1.9%-3.1pp	1.1%-0.3pp	1.4%+0.3pp	1.1%+6.1pp	-5.0%-5.7pp	0.7%
Return on Assets	-1.0%-1.2pp	0.2%+0.4pp	-0.2%-0.4pp	0.1%-0.0pp	0.2%+0.0pp	0.1%+0.7pp	-0.6%-0.7pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.89+1.2	7.72+0.2	7.50-0.1	7.61+0.1	7.50-0.2	7.68+0.2	7.49-0.1	7.63
FCF Margin	32.3%+1.4pp	30.9%+11.4pp	19.5%+6.4pp	13.1%-15.8pp	28.9%+2.0pp	26.9%+17.1pp	9.8%-2.4pp	12.2%

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Frequently Asked Questions

What is Bank Marin Bancorp's annual revenue?

Bank Marin Bancorp (BMRC) reported $152.4M in total revenue for fiscal year 2025. This represents a 7.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bank Marin Bancorp's revenue growing?

Bank Marin Bancorp (BMRC) revenue grew by 7.9% year-over-year, from $141.3M to $152.4M in fiscal year 2025.

Is Bank Marin Bancorp profitable?

No, Bank Marin Bancorp (BMRC) reported a net income of -$35.7M in fiscal year 2025, with a net profit margin of -23.4%.

What is Bank Marin Bancorp's net profit margin?

Bank Marin Bancorp (BMRC) had a net profit margin of -23.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Bank Marin Bancorp pay dividends?

Yes, Bank Marin Bancorp (BMRC) paid $1.00 per share in dividends during fiscal year 2025.

What is Bank Marin Bancorp's return on equity (ROE)?

Bank Marin Bancorp (BMRC) has a return on equity of -9.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bank Marin Bancorp's free cash flow?

Bank Marin Bancorp (BMRC) generated $37.3M in free cash flow during fiscal year 2025. This represents a 33.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bank Marin Bancorp's operating cash flow?

Bank Marin Bancorp (BMRC) generated $39.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bank Marin Bancorp's total assets?

Bank Marin Bancorp (BMRC) had $3.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Bank Marin Bancorp's capital expenditures?

Bank Marin Bancorp (BMRC) invested $1.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Bank Marin Bancorp buy back shares?

Yes, Bank Marin Bancorp (BMRC) spent $3.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Bank Marin Bancorp have outstanding?

Bank Marin Bancorp (BMRC) had 16M shares outstanding as of fiscal year 2025.

What is Bank Marin Bancorp's debt-to-equity ratio?

Bank Marin Bancorp (BMRC) had a debt-to-equity ratio of 8.89 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bank Marin Bancorp's return on assets (ROA)?

Bank Marin Bancorp (BMRC) had a return on assets of -0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bank Marin Bancorp's Piotroski F-Score?

Bank Marin Bancorp (BMRC) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bank Marin Bancorp's earnings high quality?

Bank Marin Bancorp (BMRC) has an earnings quality ratio of -1.10x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bank Marin Bancorp?

Bank Marin Bancorp (BMRC) scores 33 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.