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

MoatMap's StockRank for Bank of Marin Bancorp (BMRC) is 27/100, with a Sell signal. This is a composite score combining Quality (25), Value (37), and Momentum (53) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Bank of Marin Bancorp have an economic moat?

Bank of Marin Bancorp (BMRC) has a Quality factor score of 25/100. 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 Sell, based on a StockRank of 27/100. 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

SellHot Air

Bank of Marin Bancorp · Financial Services · United States · $431M · Avg Vol: $4M/d

StockRank

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P/E (TTM)

—

ROE

-3.4%

D/E

0.2x

Dividend %

3.7%

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%	60.4M	32.7M	34.7M	9.6%
EPS	2.32	2.93	1.24	-0.52	-2.24	-26.9%	-0.90	—	—	—
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%	68.1M	—	—	—
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%	39.4M	—	—	—
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)-3.6%

SMA 50SMA 200

$27.39

RSI (14)

54.9

52W High

$30.65

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

-0.4%*11.6

ROE

-3.4%8.0

GP/Assets

1.5%N/A

Op. Margin

39.6%57.3

FCF/Assets

0.9%N/A

Piotroski

321.0

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

12.9xN/A

P/B

1.1x53.1

P/S

7.4x22.2

Div Yield

3.7%50.0

Momentum

52W High %

89%44.2

RS 6M

2%59.3

SMA 50/200

1.07x62.4

EPS Rev 4W

+0.1%40.3

EPS Rev 12W

+0.1%42.0

EPS Improve

+366%96.0

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$431M

P/E (Forward)

11.6x

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)	$431M	27	Sell
AVBH	Avidbank Holdings, Inc.	$348M	27	Sell
FCBM	First Carolina Financial Services, Inc.	$391M	30	Sell
ISBA	Isabella Bank Corporation	$301M	26	Sell
BCML	BayCom Corp	$331M	34	Sell
GBFH	GBank Financial Holdings Inc.	$292M	22	Sell
EGBN	Eagle Bancorp, Inc.	$840M	27	Sell
PBFS	Pioneer Bancorp, Inc.	$426M	41	Hold
HBNC	Horizon Bancorp, Inc.	$1.0B	29	Sell
WNEB	Western New England Bancorp, Inc.	$275M	38	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$27.39
Market Cap	$431M
P/E (Forward)	11.56
Price/Book	1.12
Return on Equity	-3.4%
Debt/Equity	0.18x
Operating Margin	39.6%
Revenue Growth	275.4%
Dividend Yield	3.7%
Free Cash Flow	$34M