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

Bank of 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 of Marin Bancorp (BMRC) Financials

BMRC

Trailing 12 months to June 30, 2026

Revenue $140.9M +54.0% YoY

Net Income -$14.3M -306.3% YoY

EPS (Diluted) -$0.91 -311.6% YoY

Free Cash Flow $38.3M +19.7% YoY

Market Cap $422.2M as of Oct 20, 2026

Price / Sales 3.0x on $140.9M revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 1.1x on $396.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 20, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BMRC SEC filings page.

Bank of Marin Bancorp (BMRC) reported $140.9M in revenue over the twelve months to Jun 30, 2026, up 54.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI BMRC FY2025 2026-10-04

FY2025’s reported earnings recovered, but the bank’s shrinking equity base and rising leverage make balance-sheet structure more important than revenue.

Net income rose to $26.5M in FY2025 even as revenue fell to $29.4M. A tax benefit of $16.8M helped produce a 90.0% net margin, so the result is not a clean read on recurring operating economics.

Operating cash flow reached $39.1M, exceeding net income of $26.5M; that cash conversion indicates reported profit was accompanied by cash generation. Free cash flow was $37.3M against $1.8M of capital expenditures, showing little reported reinvestment drag.

Assets reached $3.90B while equity fell to $394.7M, leaving a thinner capital base beneath the balance sheet. Debt-to-equity rose to 8.9x from 7.5x, making the bank’s expansion more liability-dependent.

Financial Health Signals

Financial Health Score 17/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Bank of Marin Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Bank of Marin Bancorp earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.4% the prior year. Earnings ranks banks on that return over three years, and Bank of Marin Bancorp scores 30/100 among other banks.

Growth

Bank of Marin Bancorp reported revenue of $29.4M in fiscal year 2025, against $70.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Bank of Marin Bancorp scores 1/100 among other banks.

Capital

Bank of Marin Bancorp funded 10.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $394.7M of equity against $3.9B of assets. Capital ranks banks on that cushion, and Bank of Marin Bancorp scores 31/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Bank of Marin Bancorp scores 2/100 on it among other banks.

Credit Quality

Not available for Bank of Marin Bancorp, and counted as zero in the overall score.

Stability

Bank of Marin Bancorp reported net income of $26.5M in fiscal year 2025, against $14.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Bank of Marin Bancorp scores 37/100 among other banks.

Piotroski F-Score Partial

4/6

Bank of Marin Bancorp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.48x

For every $1 of reported earnings, Bank of Marin Bancorp generates $1.48 in operating cash flow ($39.1M OCF vs $26.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$34.0M

YoY+263.1%

QoQ-0.5%

5Y CAGR+5.0%

10Y CAGR+5.7%

Bank of Marin Bancorp generated $34.0M in revenue in Q2 2026. This represents an increase of 263.1% from the same quarter a year earlier. Against the prior quarter it is down 0.5%.

Net Income

$9.2M

YoY+208.3%

QoQ+8.6%

5Y CAGR-0.1%

10Y CAGR+6.7%

Bank of Marin Bancorp reported $9.2M in net income in Q2 2026. This represents an increase of 208.3% from the same quarter a year earlier. Against the prior quarter it is up 8.6%.

EPS (Diluted)

$0.58

YoY+209.4%

QoQ+9.4%

5Y CAGR-4.0%

10Y CAGR-3.0%

Bank of Marin Bancorp earned $0.58 per diluted share (EPS) in Q2 2026. This represents an increase of 209.4% from the same quarter a year earlier. Against the prior quarter it is up 9.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$11.8M

YoY+67.5%

QoQ+1186.4%

5Y CAGR+12.0%

10Y CAGR+15.9%

Bank of Marin Bancorp generated $11.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 67.5% from the same quarter a year earlier. Against the prior quarter it is up 1186.4%.

Cash & Debt

$279.6M

YoY+22.2%

QoQ+18.2%

5Y CAGR+1.7%

Bank of Marin Bancorp held $279.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.25

YoY0.0%

QoQ0.0%

5Y CAGR+1.7%

10Y CAGR0.0%

Bank of Marin Bancorp paid $0.25 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

16M

YoY+0.4%

QoQ0.0%

5Y CAGR+4.5%

10Y CAGR+10.2%

Bank of Marin Bancorp had 16M shares outstanding in Q2 2026. This represents an increase of 0.4% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

27.2%

YoY+118.5pp

QoQ+2.3pp

5Y change-7.7pp

10Y change+2.5pp

Bank of Marin Bancorp's net profit margin was 27.2% in Q2 2026, showing the share of revenue converted to profit. This is up 118.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.3 percentage points.

Return on Equity

2.3%

YoY+4.3pp

QoQ+0.2pp

5Y change-0.3pp

10Y change+0.2pp

Bank of Marin Bancorp's ROE was 2.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$6K

YoY-99.7%

QoQ0.0%

Bank of Marin Bancorp spent $6K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 99.7% from the same quarter a year earlier. It is unchanged from the prior quarter.

Capital Expenditures

$326K

YoY-66.3%

QoQ+98.8%

5Y CAGR-12.1%

10Y CAGR+6.0%

Bank of Marin Bancorp invested $326K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 66.3% from the same quarter a year earlier. Against the prior quarter it is up 98.8%.

R&D Spending

Not reported for Q2 2026.

BMRC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BMRC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$140.9M	$29.4M-58.2%	$70.2M-33.3%	$105.3M-23.9%	$138.4M+20.3%	$115.1M+9.4%	$105.2M+0.4%	$104.8M+3.0%	$101.7M+22.3%	$83.1M+1.0%	$82.3M+7.8%	$76.4M-3.9%	$79.5M+18.9%	$66.8M-4.9%	$70.3M+0.3%	$70.1M
SG&A Expenses	$49.4M	$47.5M+6.2%	$44.7M+2.8%	$43.4M+3.3%	$42.0M+0.3%	$41.9M+21.9%	$34.4M+0.4%	$34.3M+2.8%	$33.3M+11.3%	$30.0M+12.4%	$26.7M+3.5%	$25.8M+3.0%	$25.0M+13.8%	$22.0M+4.0%	$21.1M+4.6%	$20.2M
Interest Expense	$48.0M	$46.4M-6.6%	$49.7M+35.3%	$36.7M+1341.1%	$2.5M-25.1%	$3.4M+14.2%	$3.0M-37.4%	$4.8M+34.5%	$3.5M+102.8%	$1.7M-23.1%	$2.3M+0.8%	$2.3M-4.2%	$2.3M+31.6%	$1.8M-30.7%	$2.6M-51.4%	$5.3M
Income Tax	-$9.2M	-$16.8M-209.8%	-$5.4M-188.4%	$6.1M-63.7%	$16.9M+45.2%	$11.7M+12.7%	$10.3M-11.2%	$11.7M+7.9%	$10.8M-16.1%	$12.9M-3.6%	$13.3M+27.2%	$10.5M-10.3%	$11.7M+47.3%	$7.9M-27.1%	$10.9M+18.5%	$9.2M
Net Income	-$14.3M	$26.5M+82.3%	$14.5M-27.0%	$19.9M-57.3%	$46.6M+40.2%	$33.2M+9.9%	$30.2M-11.7%	$34.2M+5.0%	$32.6M+104.2%	$16.0M-30.9%	$23.1M+25.4%	$18.4M-6.7%	$19.8M+38.5%	$14.3M-19.9%	$17.8M+14.5%	$15.6M
EPS (Basic)	N/A	-$2.24-330.8%	-$0.52-141.9%	$1.24-57.7%	$2.93+26.3%	$2.32+3.6%	$2.24-10.8%	$2.51+6.8%	$2.35+82.2%	$1.29-66.1%	$3.81+23.3%	$3.09-7.8%	$3.35+27.9%	$2.62-21.6%	$3.34+13.6%	$2.94
EPS (Diluted)	-$0.91	-$2.24-330.8%	-$0.52-141.9%	$1.24-57.5%	$2.92+27.0%	$2.30+3.6%	$2.22-10.5%	$2.48+6.4%	$2.33	$1.27	$3.78+24.3%	$3.04-7.6%	$3.29+28.0%	$2.57-21.6%	$3.28+13.5%	$2.89
Diluted Shares (Avg)	N/A	16M-0.6%	16M+0.1%	16M+0.4%	16M+10.7%	14M+5.9%	14M-1.3%	14M-1.7%	14M	13M	6M+0.8%	6M+1.0%	6M+8.1%	6M+2.2%	5M+1.0%	5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q
Revenue	$34.0M+263.1%	$34.1M+26.4%	$41.8M+49.5%	$30.9M+13.9%	$9.4M-72.8%	$27.0M+6.1%	$28.0M+33.4%	$27.2M+0.3%
SG&A Expenses	$12.6M+4.7%	$13.4M+11.2%	$11.4M+20.7%	$12.0M+10.9%	$12.0M-2.6%	$12.1M-0.3%	$9.4M-9.1%	$10.8M+0.8%
Interest Expense	$11.6M+2.1%	$12.5M+12.4%	$12.1M+7.2%	$11.9M-7.4%	$11.3M-4.6%	$11.1M-3.0%	$11.2M+0.8%	$12.9M+21.0%
Income Tax	$3.4M+228.7%	$3.1M+92.3%	-$17.8M-589.4%	$2.1M-13.3%	-$2.7M+78.7%	$1.6M+59.4%	$3.6M+1771.6%	$2.4M+50.2%
Net Income	$9.2M+208.3%	$8.5M+74.5%	-$39.5M-758.9%	$7.5M+64.7%	-$8.5M+61.0%	$4.9M+66.9%	$6.0M+883.8%	$4.6M-13.7%
EPS (Basic)	$0.58+209.4%	$0.53+71.0%	-$2.49-755.3%	$0.47+67.9%	-$0.53+61.0%	$0.31+72.2%	$0.38+850.0%	$0.28-15.2%
EPS (Diluted)	$0.58+209.4%	$0.53+76.7%	-$2.49-755.3%	$0.47+67.9%	-$0.53+61.0%	$0.30+66.7%	$0.38+850.0%	$0.28-15.2%
Diluted Shares (Avg)	16M0.0%	16M-0.2%	16M-0.4%	16M-0.8%	16M-0.7%	16M-0.6%	16M-0.5%	16M+0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

BMRC Balance Sheet

BMRC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.9B+5.5%	$3.7B-2.7%	$3.8B-8.3%	$4.1B-3.9%	$4.3B+48.2%	$2.9B+7.6%	$2.7B+7.4%	$2.5B+2.1%	$2.5B+22.0%	$2.0B-0.4%	$2.0B+13.7%	$1.8B-1.0%	$1.8B+25.8%	$1.4B+3.0%	$1.4B
Cash & Equivalents	$225.3M+64.1%	$137.3M+350.9%	$30.5M-33.0%	$45.4M-86.9%	$347.6M+73.5%	$200.3M+9.2%	$183.4M+435.9%	$34.2M-83.2%	$203.5M+5715.6%	$3.5M-7.9%	$3.8M+18.8%	$3.2M-63.2%	$8.7M+569.2%	$1.3M	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A
Goodwill	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M+141.4%	$30.1M0.0%	$30.1M0.0%	$30.1M0.0%	$30.1M+368.3%	$6.4M0.0%	$6.4M0.0%	$6.4M0.0%	$6.4M	N/A	N/A
Total Liabilities	$3.5B+7.5%	$3.3B-2.9%	$3.4B-9.9%	$3.7B-3.3%	$3.9B+51.3%	$2.6B+7.7%	$2.4B+7.5%	$2.2B+1.5%	$2.2B+21.1%	$1.8B-1.3%	$1.8B+14.5%	$1.6B-2.3%	$1.6B+26.6%	$1.3B+2.0%	$1.3B
Total Equity	$394.7M-9.4%	$435.4M-0.8%	$439.1M+6.5%	$412.1M-8.5%	$450.4M+25.7%	$358.3M+6.4%	$336.8M+6.4%	$316.4M+6.5%	$297.0M+28.8%	$230.6M+7.5%	$214.5M+7.2%	$200.0M+10.6%	$180.9M+19.2%	$151.8M+12.0%	$135.6M
Retained Earnings	$198.2M-20.7%	$250.0M-9.0%	$274.6M+1.4%	$270.8M+12.9%	$239.9M+9.2%	$219.7M+8.1%	$203.2M+12.9%	$179.9M+15.7%	$155.5M+6.2%	$146.5M+13.1%	$129.6M+11.2%	$116.5M+14.8%	$101.5M+11.3%	$91.2M+18.2%	$77.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q
Total Assets	$3.9B+3.5%	$3.9B+3.4%	$3.9B+5.5%	$3.9B+2.0%	$3.7B+0.9%	$3.8B+0.5%	$3.7B-2.7%	$3.8B-6.0%
Cash & Equivalents	$279.6M+22.2%	$236.6M-9.0%	$225.3M+64.1%	$219.3M-4.3%	$228.9M-1.1%	$259.9M+615.9%	$137.3M+350.9%	$229.2M+86.1%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%	$72.8M0.0%
Total Liabilities	$3.5B+5.2%	$3.5B+5.2%	$3.5B+7.5%	$3.4B+2.1%	$3.3B+0.9%	$3.3B+0.4%	$3.3B-2.9%	$3.4B-7.2%
Total Equity	$396.7M-9.5%	$394.5M-10.3%	$394.7M-9.4%	$443.8M+1.6%	$438.5M+0.8%	$439.6M+0.7%	$435.4M-0.8%	$437.0M+4.4%
Retained Earnings	$207.8M-12.8%	$202.6M-19.2%	$198.2M-20.7%	$241.7M-2.5%	$238.2M-3.7%	$250.8M-8.3%	$250.0M-9.0%	$248.0M-10.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

BMRC Cash Flow Statement

BMRC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$39.4M	$39.1M+37.8%	$28.4M-20.5%	$35.7M-35.5%	$55.3M+22.2%	$45.3M+10.8%	$40.8M-0.2%	$40.9M-2.8%	$42.1M+56.3%	$26.9M+5.9%	$25.4M+7.4%	$23.7M+25.6%	$18.9M-11.1%	$21.2M+1.9%	$20.8M-7.0%	$22.4M
Depreciation & Amortization	N/A	$2.3M-11.8%	$2.6M-27.1%	$3.6M+5.3%	$3.4M+16.5%	$2.9M-6.1%	$3.1M-5.0%	$3.3M+53.4%	$2.1M+10.4%	$1.9M+6.5%	$1.8M-7.4%	$2.0M+24.2%	$1.6M+13.6%	$1.4M+3.0%	$1.4M+4.8%	$1.3M
Stock-Based Compensation	N/A	$815K+29.4%	$630K+20.7%	$522K-45.8%	$963K-0.9%	$972K-19.2%	$1.2M-20.4%	$1.5M-9.1%	$1.7M+30.9%	$1.3M+29.0%	$985K+54.9%	$636K+42.6%	$446K+10.7%	$403K-1.2%	$408K+8.2%	$377K
Capital Expenditures	$1.0M	$1.8M+249.8%	$520K-70.3%	$1.7M-22.8%	$2.3M+117.0%	$1.0M+6.4%	$981K+81.0%	$542K-40.2%	$907K-36.8%	$1.4M+37.9%	$1.0M-26.7%	$1.4M-39.2%	$2.3M+143.6%	$958K-21.5%	$1.2M-50.6%	$2.5M
Free Cash Flow	$38.3M	$37.3M+33.8%	$27.8M-17.9%	$33.9M-36.0%	$53.0M+19.9%	$44.2M+10.9%	$39.9M-1.3%	$40.4M-2.0%	$41.2M+61.5%	$25.5M+4.5%	$24.4M+9.6%	$22.3M+34.7%	$16.5M-18.4%	$20.2M+3.4%	$19.6M-1.6%	$19.9M
Investing Cash Flow	-$141.0M	-$172.0M-188.1%	$195.2M-41.7%	$334.7M+253.5%	-$218.1M+36.0%	-$340.7M-96.4%	-$173.4M-735.7%	-$20.8M+90.8%	-$225.3M-2983.7%	$7.8M-67.9%	$24.3M+109.2%	-$263.3M-517.3%	-$42.7M-15.4%	-$36.9M+74.5%	-$144.9M-314.6%	-$34.9M
Financing Cash Flow	$152.4M	$220.9M+289.3%	-$116.7M+69.7%	-$385.3M-176.4%	-$139.4M-131.5%	$442.7M+196.1%	$149.5M+15.9%	$129.0M+829.8%	$13.9M-88.4%	$120.0M+539.4%	-$27.3M-112.2%	$224.6M+681.6%	-$38.6M-142.4%	$91.2M+302.3%	$22.7M-60.3%	$57.1M
Dividends Paid	$16.1M	$16.1M-0.4%	$16.2M+0.6%	$16.1M+2.8%	$15.7M+19.6%	$13.1M+4.8%	$12.5M+14.1%	$11.0M+23.7%	$8.9M+28.5%	$6.9M+10.8%	$6.2M+15.5%	$5.4M+13.9%	$4.7M+19.2%	$4.0M+5.8%	$3.8M+8.5%	$3.5M
Share Buybacks	$1.1M	$3.3M-22.6%	$4.3M	$0-100.0%	$1.3M-96.9%	$40.8M+490.9%	$6.9M-54.2%	$15.1M+119.3%	$6.9M	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q
Operating Cash Flow	$12.2M+51.4%	$1.1M-78.0%	$13.6M+27.1%	$12.5M+26.4%	$8.0M+133.1%	$4.9M+14.1%	$10.7M+1261.4%	$9.9M-26.2%
Stock-Based Compensation	N/A	$274K+63.1%	N/A	N/A	N/A	$168K-18.0%	N/A	N/A
Capital Expenditures	$326K-66.3%	$164K-47.8%	$127K-22.6%	$411K+287.7%	$967K+986.5%	$314K+95.0%	$164K+1266.7%	$106K+23.3%
Free Cash Flow	$11.8M+67.5%	$921K-80.1%	$13.5M+27.9%	$12.1M+23.5%	$7.1M+110.5%	$4.6M+11.0%	$10.6M+1261.3%	$9.8M-26.5%
Investing Cash Flow	$93.1M+286.6%	$1.9M-95.3%	-$81.6M-779.2%	-$154.4M-55.6%	$24.1M-90.9%	$39.9M+6.0%	-$9.3M-105.9%	-$99.3M-177.6%
Financing Cash Flow	-$62.3M+1.4%	$8.4M-89.2%	$73.9M+179.2%	$132.4M+51.9%	-$63.2M+15.1%	$77.8M+315.5%	-$93.3M+62.9%	$87.1M+250.8%
Dividends Paid	$4.0M-0.1%	$4.0M+0.1%	$4.0M+0.1%	$4.0M-1.0%	$4.1M-0.4%	$4.0M-0.4%	$4.0M-0.4%	$4.1M+0.8%
Share Buybacks	-$6K-99.7%	$6K	$0-100.0%	$1.1M-73.6%	$2.2M	$0	$19K	$4.2M

Not reported in any period shown, so not listed: Depreciation & Amortization.

BMRC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BMRC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	90.0%+69.3pp	20.7%+1.8pp	18.9%-14.8pp	33.7%+4.8pp	28.9%+0.1pp	28.7%-3.9pp	32.7%+0.6pp	32.1%+12.9pp	19.2%-8.9pp	28.1%+4.0pp	24.1%-0.7pp	24.9%+3.5pp	21.3%-4.0pp	25.3%+3.1pp	22.2%
Return on Equity	6.7%+3.4pp	3.3%-1.2pp	4.5%-6.8pp	11.3%+3.9pp	7.4%-1.1pp	8.4%-1.7pp	10.2%-0.1pp	10.3%+4.9pp	5.4%-4.7pp	10.0%+1.4pp	8.6%-1.3pp	9.9%+2.0pp	7.9%-3.9pp	11.7%+0.3pp	11.5%
Return on Assets	0.7%+0.3pp	0.4%-0.1pp	0.5%-0.6pp	1.1%+0.3pp	0.8%-0.3pp	1.0%-0.2pp	1.3%0.0pp	1.3%+0.6pp	0.7%-0.5pp	1.1%+0.2pp	0.9%-0.2pp	1.1%+0.3pp	0.8%-0.4pp	1.2%+0.1pp	1.1%
Debt-to-Equity	8.89+1.4x	7.50-0.2x	7.66-1.4x	9.06+0.5x	8.58+1.5x	7.13+0.1x	7.04+0.1x	6.97-0.3x	7.31-0.5x	7.78-0.7x	8.47+0.5x	7.93-1.0x	8.98+0.5x	8.45-0.8x	9.28
Asset Turnover	0.010.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.05
FCF Margin	126.8%	39.6%+7.5pp	32.2%-6.1pp	38.3%-0.1pp	38.4%+0.5pp	37.9%-0.7pp	38.6%-2.0pp	40.5%+9.8pp	30.7%+1.0pp	29.6%+0.5pp	29.1%+8.4pp	20.8%-9.5pp	30.3%+2.4pp	27.9%-0.6pp	28.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q
Net Margin	27.2%+118.5pp	24.9%+6.9pp	-94.5%-116.0pp	24.3%+7.5pp	-91.3%-27.5pp	18.1%+6.6pp	21.4%+18.5pp	16.8%-2.7pp
Return on Equity	2.3%+4.3pp	2.2%+1.1pp	-10.0%-11.4pp	1.7%+0.7pp	-1.9%+3.1pp	1.1%+0.4pp	1.4%+1.2pp	1.1%-0.2pp
Return on Assets	0.2%+0.5pp	0.2%+0.1pp	-1.0%-1.2pp	0.2%+0.1pp	-0.2%+0.4pp	0.1%0.0pp	0.2%+0.1pp	0.1%0.0pp
Debt-to-Equity	8.72+1.2x	8.92+1.3x	8.89+1.4x	7.720.0x	7.500.0x	7.610.0x	7.50-0.2x	7.68-1.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.000.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	34.9%-40.7pp	2.7%-14.4pp	32.3%-5.4pp	39.0%+3.0pp	75.6%+65.8pp	17.1%+0.7pp	37.7%+34.0pp	36.0%-13.1pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Bank of Marin Bancorp BMRC	FY2025	$29.4M	$26.5M	90.0%	$422.2M	17/100
Farmers & Merchants Bancorp, Inc. FMAO	FY2025	$121.4M	$33.3M	27.4%	$486.5M	44/100
Home Bancorp, Inc. HBCP	FY2025	$148.7M	$46.1M	31.0%	$518.7M	52/100
Red River Bancshares, Inc. RRBI	FY2025	$125.5M	$42.8M	34.1%	$666.8M	55/100
Sierra Bancorp BSRR	FY2025	$155.3M	$42.3M	27.3%	$513.2M	45/100

Where Bank of Marin Bancorp Ranks

Frequently Asked Questions

What is Bank of Marin Bancorp's annual revenue?

Bank of Marin Bancorp (BMRC) reported $29.4M in total revenue for fiscal year 2025. This represents a -58.2% 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 of Marin Bancorp's revenue growing?

Bank of Marin Bancorp (BMRC) revenue declined by 58.2% year-over-year, from $70.2M to $29.4M in fiscal year 2025.

Is Bank of Marin Bancorp profitable?

Yes, Bank of Marin Bancorp (BMRC) reported a net income of $26.5M in fiscal year 2025, with a net profit margin of 90.0%.

What is Bank of Marin Bancorp's net profit margin?

Bank of Marin Bancorp (BMRC) had a net profit margin of 90.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Bank of Marin Bancorp pay dividends?

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

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

Bank of Marin Bancorp (BMRC) has a return on equity of 6.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bank of Marin Bancorp's free cash flow?

Bank of 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 of Marin Bancorp's operating cash flow?

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

What are Bank of Marin Bancorp's total assets?

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

What are Bank of Marin Bancorp's capital expenditures?

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

Does Bank of Marin Bancorp buy back shares?

Yes, Bank of 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 of Marin Bancorp have outstanding?

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

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

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

Bank of Marin Bancorp (BMRC) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bank of Marin Bancorp's P/E ratio?

Bank of Marin Bancorp (BMRC) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $422.2M as of Oct 20, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Bank of Marin Bancorp's price-to-sales ratio?

Bank of Marin Bancorp (BMRC) trades at 3.0x sales, its market capitalization divided by revenue of $140.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $422.2M as of Oct 20, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Bank of Marin Bancorp (BMRC) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bank of Marin Bancorp's earnings high quality?

Bank of Marin Bancorp (BMRC) has an earnings quality ratio of 1.48x, considered cash-backed (high 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 of Marin Bancorp?

Bank of Marin Bancorp (BMRC) scores 17 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.