What is Bank of Marin Bancorp's (BMRC) StockRank?

MoatMap's StockRank for Bank of Marin Bancorp (BMRC) is 37/100, with a Hold signal. This is a composite score combining Quality (23), Value (33), and Momentum (73) factor ranks across MoatMap's 20,000+ stock universe.

Does Bank of Marin Bancorp have an economic moat?

Bank of Marin Bancorp (BMRC) has a Quality factor score of 23/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Bank of Marin Bancorp a buy, hold, or sell?

MoatMap's current signal for Bank of Marin Bancorp (BMRC) is Hold, based on a StockRank of 37/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Bank of Marin Bancorp in?

Bank of Marin Bancorp (BMRC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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BMRC

HOLD

Bank of Marin Bancorp · Financial Services · United States · $466M · Avg Vol: $5M/d

StockRank

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P/E (TTM)

—

ROE

-7.7%

D/E

0.2x

Dividend %

3.5%

COMPANY DESCRIPTION

Bank of Marin Bancorp is the holding company for Bank of Marin, a community bank offering comprehensive commercial and retail banking services in the San Francisco Bay Area. Its competitive moat is built on deep local market expertise and long-standing customer relationships within its affluent geographic footprint. The bank distinguishes itself through personalized service and a commitment to supporting its regional business and individual clientele.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	115.1M	138.1M	105.0M	69.8M	28.9M	-29.2%	35.3M	32.7M	35.0M	10.0%
EPS	2.32	2.93	1.24	-0.52	-2.24	-26.9%	-2.00	—	—	—
Shares	15.9M	16.0M	16.2M	16.1M	16.1M	+1.1%	16.2M	—	—	—
Debt	25.8M	139.1M	49.2M	21.7M	69.3M	28.0%	69.1M	—	—	—
Equity	450.4M	412.1M	439.1M	435.4M	394.7M	-3.2%	—	—	—	—
Op CF	45.3M	55.3M	35.7M	28.4M	39.1M	-3.6%	35.2M	—	—	—
Inv CF	-340.7M	-218.1M	334.7M	195.2M	-172.0M	—	—	—	—	—
Fin CF	442.7M	-139.4M	-385.3M	-116.7M	220.9M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+15.3%

SMA 50SMA 200

$30.30

RSI (14)

66.2

52W High

$30.92

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

-0.8%*8.9

ROE

-7.7%5.6

GP/Assets

0.9%N/A

Op. Margin

37.1%55.8

FCF/Assets

0.9%N/A

Piotroski

320.3

Int. Cover

—50.0

D/E Ratio

0.18xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

—N/A

EV/EBITDA

bankN/A

P/FCF

13.9xN/A

P/B

1.2x49.5

P/S

13.1x13.1

Div Yield

3.5%44.9

Momentum

52W High %

98%82.7

RS 6M

9%74.2

SMA 50/200

1.04x55.7

EPS Rev 4W

+0.1%78.2

EPS Rev 12W

-7.3%9.3

EPS Improve

+220%92.9

Q Growth

75%80.3

FUNDAMENTALS

Market Cap

$466M

P/E (Forward)

11.9x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BMRC are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
BMRC	Bank of Marin Bancorp(you)	$466M	37	HOLD
AVBH	Avidbank Holdings, Inc.	$349M	39	HOLD
FCBM	First Carolina Financial Services, Inc.	$383M	33	SELL
CZNC	Citizens & Northern Corporation	$436M	46	HOLD
PBFS	Pioneer Bancorp, Inc.	$445M	48	HOLD
AVBC	Avidia Bancorp, Inc.	$400M	47	HOLD
ISBA	Isabella Bank Corporation	$265M	33	SELL
BSVN	Bank7 Corp.	$471M	51	HOLD
INBK	First Internet Bancorp	$231M	35	HOLD
HBNC	Horizon Bancorp, Inc.	$1.0B	37	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Price	$30.30
Market Cap	$466M
P/E (Forward)	11.93
Price/Book	1.16
Return on Equity	-7.7%
Debt/Equity	0.18x
Operating Margin	37.1%
Revenue Growth	25.3%
Dividend Yield	3.5%
Free Cash Flow	$34M