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Bank of Marin Bancorp

BMRC

$28.35 ▼ -0.38 (-1.32%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

Bank of Marin Bancorp faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $452.0M

Dividend Yield 3.53%

Revenue Growth -58.2% ↘

Op. Margin -178.6% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$29.39M

↓ -58.2% —

Net Income Profit after all expenses

$-35.67M

↓ -324.2% —

Operating Margin Operating profit as % of sales

-178.6%

↓ -806.5% 1th

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Dividend History

Dividend / share · sourced from SEC filings

$1.00 Latest / share

+0.0% YoY

+8.7% 12-yr CAGR

$0.40

FY 2014

$0.45

FY 2015

$0.51

FY 2016

$0.56

FY 2017

$0.64

FY 2018

$0.80

FY 2019

$0.92

FY 2020

$0.94

FY 2021

$0.98

FY 2022

$1.00

FY 2023

$1.00

FY 2024

$1.00

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	-58.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1069%)	-34.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-680%)	-22.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-469%)	20.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+238%)	9.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+56%)	0.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-93%)	3.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-49%)	22.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+272%)	1.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-84%)	7.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	-3.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-165%)	18.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+215%)	-4.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-182%)	0.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-95%)	16.0% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+166%)	4.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	—	—
EPS Growth YoY (%)	-330.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-57.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	26.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	3.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-10.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	82.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-32.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-7.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	27.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-21.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	13.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	13.5% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	17.2% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-324.2% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-57.3% Weak ↓ Weak Declining Year-over-year change in net income	40.2% Excellent ↑ Excellent Improving Year-over-year change in net income	9.9% Fair ↓ Fair Declining Year-over-year change in net income	-11.7% Weak ↓ Weak Declining Year-over-year change in net income	5.0% Caution ↓ Caution Declining Year-over-year change in net income	104.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-30.9% Weak ↓ Weak Declining Year-over-year change in net income	25.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-6.7% Weak ↓ Weak Declining Year-over-year change in net income	38.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-19.9% Weak ↓ Weak Declining Year-over-year change in net income	14.5% Fair ↑ Fair Improving Year-over-year change in net income	14.8% Fair Fair Year-over-year change in net income	6.2% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-40.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-15.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.4% Caution Caution Compound annual revenue growth over 3 years	6.8% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-22.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-7.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	10.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.9% Fair → Fair Stable Compound annual revenue growth over 5 years	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	8.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.8% Fair Fair Compound annual revenue growth over 5 years	6.6% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	-17.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-0.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	20.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	15.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-8.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	13.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	-2.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	0.4% Caution Caution Compound annual EPS growth over 3 years	14.8% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	-178.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-814%)	-19.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-179%)	24.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	45.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	39.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	38.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	32.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	-121.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-652%)	-12.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-154%)	18.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	33.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	28.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	28.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	32.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	32.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	19.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	28.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	24.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	24.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	21.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	22.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-9.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-175%)	-1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	11.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	8.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	10.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	5.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	10.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	9.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	11.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	11.7% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$1.84	$4.38	$6.73	$8.69	$8.03	$7.78	$7.69	$7.33	$6.71	$6.78	$6.40	$6.74	$6.12	$6.58	$6.61	$5.77	$5.57	—
Basic EPS, GAAP (USD)	$-2.24	$-0.52	$1.24	$2.93	$2.32	$2.24	$2.51	$2.35	$1.29	$1.91	$1.54	$1.68	$1.31	$1.67	$1.47	$1.29	$1.10	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.00	$1.00	$1.00	$0.98	$0.94	$0.92	$0.80	$0.64	$0.56	$0.51	$0.45	$0.40	$0.36	$0.35	$0.33	$0.30	$0.28	—
Book Value per Share (USD)	$24.51	$27.06	$27.17	$25.71	$28.27	$26.54	$24.81	$22.85	$21.46	$18.81	$17.67	$16.84	$15.39	$14.08	$12.70	$11.52	$10.52	—
Tangible Book Value per Share (USD)	$19.99	$22.54	$22.67	$21.17	$23.71	$24.30	$22.59	$20.68	$19.28	$18.29	$17.14	$16.30	$14.84	$14.08	$12.70	$11.52	$10.52	—
Basic Weighted Avg Shares (shares)	15.94M	16.04M	16.01M	15.92M	14.34M	13.53M	13.62M	13.86M	12.39M	12.15M	11.93M	11.79M	10.91M	10.68M	10.60M	10.48M	10.36M	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	23.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	25.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$394.65M	$435.41M	$439.06M	$412.09M	$450.37M	$358.25M	$336.79M	$316.41M	$297.02M	$230.56M	$214.47M	$200.03M	$180.89M	$151.79M	$135.55M	$121.92M	$109.05M	$125.55M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$29.39M	$70.22M	$107.75M	$138.40M	$115.08M	$105.21M	$104.76M	$101.68M	$83.12M	$82.32M	$76.38M	$79.48M	$66.84M	$70.30M	$70.09M	$60.43M	$57.75M	—
Depreciation Expense (USD)	$1.30M	$1.50M	$2.10M	$1.80M	$1.70M	$2.15M	$2.23M	$2.10M	$1.90M	$1.80M	$2.00M	$1.60M	$1.40M	$1.40M	$1.30M	—	—	—
Net Income, GAAP (USD)	$-35.67M	$-8.41M	$19.89M	$46.59M	$33.23M	$30.24M	$34.24M	$32.62M	$15.98M	$23.13M	$18.44M	$19.77M	$14.27M	$17.82M	$15.56M	$13.55M	$12.77M	—
Operating Cash Flow (USD)	$39.08M	$28.36M	$35.66M	$55.28M	$45.25M	$40.84M	$40.93M	$42.11M	$26.95M	$25.45M	$23.68M	$18.86M	$21.20M	$20.81M	$22.38M	$23.43M	$13.83M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.7%	2.5%	2.7%	3.1%	2.4%	3.3%	3.5%	3.6%	3.0%	3.6%	3.3%	3.9%	3.3%	4.4%	4.6%	4.5%	—	—
Efficiency Ratio (%) (%)	276.7%	112.1%	73.8%	54.4%	63.1%	55.6%	55.3%	57.3%	64.7%	57.9%	61.5%	59.5%	66.0%	55.0%	54.6%	55.2%	54.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

Bank of Marin Bancorp

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18-Year Financial Trajectory

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