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Bank of Marin Bancorp (BMRC) Financials

Bank of Marin Bancorp logo
$21.08 +0.32 (+1.54%)
Closing price 04/23/2025 04:00 PM Eastern
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$21.08 0.00 (-0.02%)
As of 07:18 AM Eastern
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Annual Income Statements for Bank of Marin Bancorp

Annual Income Statements for Bank of Marin Bancorp

This table shows Bank of Marin Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
47 20 -8.41
Consolidated Net Income / (Loss)
47 20 -8.41
Net Income / (Loss) Continuing Operations
47 20 -8.41
Total Pre-Tax Income
64 26 -14
Total Revenue
138 108 73
Net Interest Income / (Expense)
127 103 95
Total Interest Income
130 139 141
Loans and Leases Interest Income
94 99 101
Investment Securities Interest Income
35 39 33
Federal Funds Sold and Securities Borrowed Interest Income
1.41 2.33 6.71
Total Interest Expense
2.55 37 47
Deposits Interest Expense
2.46 25 46
Long-Term Debt Interest Expense
0.09 12 0.24
Total Non-Interest Income
11 4.99 -21
Other Service Charges
8.68 7.82 7.99
Net Realized & Unrealized Capital Gains on Investments
-0.06 -5.89 -33
Other Non-Interest Income
2.29 3.07 3.19
Provision for Credit Losses
-0.38 2.23 5.32
Total Non-Interest Expense
75 79 82
Salaries and Employee Benefits
42 43 45
Net Occupancy & Equipment Expense
10 9.88 9.93
Property & Liability Insurance Claims
1.18 1.88 1.86
Other Operating Expenses
19 21 23
Depreciation Expense
1.84 2.10 1.47
Amortization Expense
1.49 1.35 0.98
Income Tax Expense
17 6.14 -5.43
Basic Earnings per Share
$2.93 $1.24 ($0.52)
Weighted Average Basic Shares Outstanding
15.92M 16.01M 16.04M
Diluted Earnings per Share
$2.92 $1.24 ($0.52)
Weighted Average Diluted Shares Outstanding
15.97M 16.03M 16.04M
Weighted Average Basic & Diluted Shares Outstanding
16.06M 16.19M 16.12M
Cash Dividends to Common per Share
$0.98 $1.00 $1.00

Quarterly Income Statements for Bank of Marin Bancorp

This table shows Bank of Marin Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders
12 13 9.44 4.55 5.30 0.61 2.92 -22 4.57 6.00
Consolidated Net Income / (Loss)
12 13 9.44 4.55 5.30 0.61 2.92 -22 4.57 6.00
Net Income / (Loss) Continuing Operations
12 13 9.44 4.55 5.30 0.61 2.92 -22 4.57 6.00
Total Pre-Tax Income
17 18 13 5.87 6.90 0.39 3.93 -34 6.97 9.65
Total Revenue
36 36 33 27 27 21 25 -7.29 27 28
Net Interest Income / (Expense)
33 33 30 24 24 24 23 22 24 25
Total Interest Income
34 34 34 35 35 35 34 34 36 36
Loans and Leases Interest Income
23 24 24 25 25 25 25 25 25 26
Investment Securities Interest Income
9.67 10 10 9.99 9.35 9.29 8.81 8.30 7.59 8.38
Federal Funds Sold and Securities Borrowed Interest Income
0.55 0.58 0.06 0.05 1.06 1.17 0.32 0.92 3.24 2.23
Total Interest Expense
0.55 0.83 4.45 10 11 11 11 12 12 11
Deposits Interest Expense
0.55 0.74 1.73 5.62 8.04 9.78 11 12 12 11
Long-Term Debt Interest Expense
0.00 0.09 2.72 4.87 2.59 1.38 0.09 0.15 0.00 0.00
Total Non-Interest Income
2.72 2.59 2.94 2.74 2.60 -3.28 2.75 -30 2.89 2.75
Other Service Charges
2.31 1.99 1.93 2.09 1.89 1.91 1.94 2.00 2.10 1.95
Other Non-Interest Income
0.47 0.59 1.01 0.65 0.70 0.71 0.81 0.79 0.79 0.80
Total Non-Interest Expense
19 18 20 21 20 19 21 22 20 18
Salaries and Employee Benefits
11 9.60 11 11 11 10 12 12 11 9.41
Net Occupancy & Equipment Expense
2.51 2.76 2.78 2.34 2.38 2.37 2.37 2.50 2.50 2.56
Property & Liability Insurance Claims
0.30 0.29 0.29 0.67 0.47 0.45 0.44 0.43 0.58 0.42
Other Operating Expenses
4.52 4.71 4.55 5.51 5.40 5.38 5.64 5.98 5.91 5.37
Depreciation Expense
0.41 0.58 0.88 0.40 0.42 0.39 0.39 0.38 0.36 0.34
Amortization Expense
0.37 0.37 0.35 0.34 0.34 0.33 0.25 0.25 0.24 0.24
Income Tax Expense
4.48 4.77 3.44 1.32 1.60 -0.22 1.01 -12 2.40 3.64
Basic Earnings per Share
$0.76 $0.81 $0.59 $0.28 $0.33 $0.04 $0.18 ($1.36) $0.28 $0.38
Weighted Average Basic Shares Outstanding
15.94M 15.92M 15.97M 16.01M 16.03M 16.01M 16.08M 16.11M 16.04M 16.04M
Diluted Earnings per Share
$0.76 $0.81 $0.59 $0.28 $0.33 $0.04 $0.18 ($1.36) $0.28 $0.38
Weighted Average Diluted Shares Outstanding
15.97M 15.97M 16.00M 16.02M 16.04M 16.03M 16.09M 16.11M 16.07M 16.04M
Weighted Average Basic & Diluted Shares Outstanding
16.03M 16.06M 16.12M 16.12M 16.14M 16.19M 16.29M 16.28M 16.08M 16.12M
Cash Dividends to Common per Share
$0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25 $0.25

Annual Cash Flow Statements for Bank of Marin Bancorp

This table details how cash moves in and out of Bank of Marin Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Change in Cash & Equivalents
-302 -15 107
Net Cash From Operating Activities
55 36 28
Net Cash From Continuing Operating Activities
55 36 28
Net Income / (Loss) Continuing Operations
47 20 -8.41
Consolidated Net Income / (Loss)
47 20 -8.41
Provision For Loan Losses
-0.38 2.23 5.32
Depreciation Expense
1.84 2.10 1.47
Amortization Expense
7.83 6.84 3.40
Non-Cash Adjustments to Reconcile Net Income
1.88 6.37 33
Changes in Operating Assets and Liabilities, net
-2.48 -1.77 -6.52
Net Cash From Investing Activities
-218 335 195
Net Cash From Continuing Investing Activities
-218 335 195
Purchase of Property, Leasehold Improvements and Equipment
-2.27 -1.75 -0.52
Purchase of Investment Securities
-568 -0.04 -201
Sale of Property, Leasehold Improvements and Equipment
0.00 0.00 0.02
Sale and/or Maturity of Investments
188 320 370
Other Investing Activities, net
164 17 26
Net Cash From Financing Activities
-139 -385 -117
Net Cash From Continuing Financing Activities
-139 -385 -117
Net Change in Deposits
-235 -283 -70
Issuance of Debt
112 -86 -26
Issuance of Common Equity
0.08 0.05 0.04
Repayment of Debt
-0.13 -0.15 -0.15
Repurchase of Common Equity
-1.25 0.00 -4.25
Payment of Dividends
-16 -16 -16
Other Financing Activities, Net
0.78 0.16 -0.06
Cash Interest Paid
2.56 34 46
Cash Income Taxes Paid
14 8.43 2.25

Quarterly Cash Flow Statements for Bank of Marin Bancorp

This table details how cash moves in and out of Bank of Marin Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents
70 -140 -7.43 1.66 83 -93 5.86 195 -2.24 -92
Net Cash From Operating Activities
19 16 13 8.05 13 0.79 4.33 3.45 9.88 11
Net Cash From Continuing Operating Activities
19 16 13 8.05 13 0.79 4.33 3.45 9.88 11
Net Income / (Loss) Continuing Operations
12 13 9.44 4.55 5.29 0.61 2.92 -22 4.57 6.00
Consolidated Net Income / (Loss)
12 13 9.44 4.55 5.29 0.61 2.92 -22 4.57 6.00
Depreciation Expense
0.41 0.58 0.88 0.40 0.42 0.39 0.39 0.38 0.36 0.34
Amortization Expense
2.25 1.91 1.99 1.89 1.87 1.09 1.56 1.56 0.78 -0.50
Non-Cash Adjustments to Reconcile Net Income
1.01 0.18 -0.14 0.05 0.17 6.29 0.38 32 0.42 -0.15
Changes in Operating Assets and Liabilities, net
3.08 0.78 1.10 0.83 5.19 -8.90 -1.27 -14 3.98 5.02
Net Cash From Investing Activities
-18 65 12 36 128 158 38 266 -99 -9.28
Net Cash From Continuing Investing Activities
-18 65 12 36 128 158 38 266 -99 -9.28
Purchase of Property, Leasehold Improvements and Equipment
-0.41 -1.50 -1.44 -0.39 0.09 -0.01 -0.16 -0.09 -0.11 -0.16
Purchase of Investment Securities
-85 -31 -0.04 -0.00 - -0.00 -1.21 -19 -150 -30
Sale and/or Maturity of Investments
64 31 33 27 112 148 20 313 23 15
Other Investing Activities, net
4.06 66 -19 9.80 16 10 19 -28 28 6.64
Net Cash From Financing Activities
68 -221 -33 -43 -58 -252 -36 -74 87 -93
Net Cash From Continuing Financing Activities
68 -221 -33 -43 -58 -252 -36 -74 87 -93
Net Change in Deposits
72 -329 -323 75 118 -154 -5.97 -70 95 -89
Issuance of Common Equity
0.03 0.02 0.01 0.01 0.02 0.01 0.01 0.01 0.01 0.01
Repayment of Debt
-0.03 -0.04 -0.04 -0.04 -0.04 -0.04 -0.04 -0.04 -0.04 -0.04
Repurchase of Common Equity
- - - - - - - - - -0.02
Payment of Dividends
-4.00 -4.01 -4.01 -4.03 -4.03 -4.04 -4.04 -4.07 -4.06 -4.02
Cash Interest Paid
0.54 0.84 4.29 9.86 8.89 11 11 12 12 11
Cash Income Taxes Paid
2.63 2.66 0.00 - - 8.43 0.00 2.10 - 0.15

Annual Balance Sheets for Bank of Marin Bancorp

This table presents Bank of Marin Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Total Assets
4,147 3,804 3,701
Restricted Cash
45 30 137
Trading Account Securities
1,774 1,477 1,267
Loans and Leases, Net of Allowance
2,070 2,049 2,053
Loans and Leases
2,093 2,074 2,083
Allowance for Loan and Lease Losses
23 25 31
Premises and Equipment, Net
8.13 7.79 6.83
Goodwill
73 73 73
Intangible Assets
5.12 3.77 2.79
Other Assets
172 163 162
Total Liabilities & Shareholders' Equity
4,147 3,804 3,701
Total Liabilities
3,735 3,365 3,266
Non-Interest Bearing Deposits
1,839 1,442 1,400
Interest Bearing Deposits
1,734 1,848 1,820
Long-Term Debt
112 26 0.15
Other Long-Term Liabilities
50 48 46
Commitments & Contingencies
0.00 0.00 0.00
Total Equity & Noncontrolling Interests
412 439 435
Total Preferred & Common Equity
412 439 435
Preferred Stock
0.00 0.00 0.00
Total Common Equity
412 439 435
Common Stock
215 217 216
Retained Earnings
271 275 250
Accumulated Other Comprehensive Income / (Loss)
-74 -53 -30

Quarterly Balance Sheets for Bank of Marin Bancorp

This table presents Bank of Marin Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets
4,349 4,135 4,092 4,036 3,767 3,695 3,793
Restricted Cash
- - 40 123 36 231 229
Trading Account Securities
960 1,756 1,718 1,594 1,451 1,158 1,257
Loans and Leases, Net of Allowance
-23 2,089 2,079 2,063 2,029 2,052 2,059
Loans and Leases
- 2,112 2,103 2,087 2,055 2,082 2,090
Allowance for Loan and Lease Losses
23 23 24 24 26 31 31
Premises and Equipment, Net
7.10 8.69 8.68 8.17 7.55 7.26 7.01
Goodwill
73 73 73 73 73 73 73
Intangible Assets
5.48 4.77 4.43 4.10 3.52 3.27 3.03
Other Assets
3,141 2,255 170 171 166 171 164
Total Liabilities & Shareholders' Equity
4,349 4,135 4,092 4,036 3,767 3,695 3,793
Total Liabilities
3,952 3,705 3,668 3,617 3,330 3,260 3,356
Non-Interest Bearing Deposits
2,052 1,637 1,589 1,642 1,444 1,418 1,473
Interest Bearing Deposits
1,851 1,614 1,736 1,801 1,840 1,796 1,836
Long-Term Debt
0.37 406 293 120 0.26 0.23 0.19
Other Long-Term Liabilities
49 49 50 53 46 46 46
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
397 430 424 419 437 435 437
Total Preferred & Common Equity
397 430 424 419 437 435 437
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
397 430 424 419 437 435 437
Common Stock
215 216 217 217 218 219 215
Retained Earnings
262 276 277 278 273 247 248
Accumulated Other Comprehensive Income / (Loss)
-80 -62 -69 -77 -55 -31 -26

Annual Metrics and Ratios for Bank of Marin Bancorp

This table displays calculated financial ratios and metrics derived from Bank of Marin Bancorp's official financial filings.

Metric 2022 2023 2024
Growth Metrics
- - -
Revenue Growth
20.26% -22.14% -31.97%
EBITDA Growth
42.98% -52.21% -125.66%
EBIT Growth
41.49% -59.00% -153.14%
NOPAT Growth
40.20% -57.29% -148.68%
Net Income Growth
40.20% -57.29% -142.27%
EPS Growth
26.96% -57.53% -141.94%
Operating Cash Flow Growth
22.15% -35.49% -20.45%
Free Cash Flow Firm Growth
51.91% 391.13% -74.56%
Invested Capital Growth
16.36% -11.28% -6.40%
Revenue Q/Q Growth
1.92% -12.20% 10.56%
EBITDA Q/Q Growth
8.18% -34.31% 45.89%
EBIT Q/Q Growth
6.88% -39.86% 40.08%
NOPAT Q/Q Growth
7.29% -38.15% 40.08%
Net Income Q/Q Growth
7.29% -38.15% 39.07%
EPS Q/Q Growth
8.55% -38.31% 39.53%
Operating Cash Flow Q/Q Growth
6.55% -30.35% 53.84%
Free Cash Flow Firm Q/Q Growth
-125.76% 171.99% -76.51%
Invested Capital Q/Q Growth
32.14% -13.65% -0.36%
Profitability Metrics
- - -
EBITDA Margin
52.88% 32.46% -12.24%
EBIT Margin
45.89% 24.16% -18.87%
Profit (Net Income) Margin
33.66% 18.46% -11.47%
Tax Burden Percent
73.35% 76.41% 60.78%
Interest Burden Percent
100.00% 100.00% 100.00%
Effective Tax Rate
26.65% 23.59% 0.00%
Return on Invested Capital (ROIC)
9.55% 4.02% -2.15%
ROIC Less NNEP Spread (ROIC-NNEP)
9.55% 4.02% 7.49%
Return on Net Nonoperating Assets (RNNOA)
1.25% 0.66% 0.23%
Return on Equity (ROE)
10.80% 4.67% -1.92%
Cash Return on Invested Capital (CROIC)
-5.57% 15.97% 4.47%
Operating Return on Assets (OROA)
1.50% 0.65% -0.37%
Return on Assets (ROA)
1.10% 0.50% -0.22%
Return on Common Equity (ROCE)
10.80% 4.67% -1.92%
Return on Equity Simple (ROE_SIMPLE)
11.30% 4.53% -1.93%
Net Operating Profit after Tax (NOPAT)
47 20 -9.68
NOPAT Margin
33.66% 18.46% -13.21%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% -9.64%
SG&A Expenses to Revenue
37.62% 49.49% 74.50%
Operating Expenses to Revenue
54.39% 73.76% 111.62%
Earnings before Interest and Taxes (EBIT)
64 26 -14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
73 35 -8.97
Valuation Ratios
- - -
Price to Book Value (P/BV)
1.14 0.76 0.87
Price to Tangible Book Value (P/TBV)
1.41 0.92 1.05
Price to Revenue (P/Rev)
3.39 3.10 5.17
Price to Earnings (P/E)
10.08 16.77 0.00
Dividend Yield
3.34% 4.84% 4.25%
Earnings Yield
9.92% 5.96% 0.00%
Enterprise Value to Invested Capital (EV/IC)
1.02 0.71 0.55
Enterprise Value to Revenue (EV/Rev)
3.88 3.06 3.29
Enterprise Value to EBITDA (EV/EBITDA)
7.33 9.42 0.00
Enterprise Value to EBIT (EV/EBIT)
8.45 12.65 0.00
Enterprise Value to NOPAT (EV/NOPAT)
11.52 16.56 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)
9.71 9.24 8.51
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 4.17 12.00
Leverage & Solvency
- - -
Debt to Equity
0.27 0.06 0.00
Long-Term Debt to Equity
0.27 0.06 0.00
Financial Leverage
0.13 0.16 0.03
Leverage Ratio
9.81 9.34 8.58
Compound Leverage Factor
9.81 9.34 8.58
Debt to Total Capital
21.44% 5.65% 0.04%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
21.44% 5.65% 0.04%
Preferred Equity to Total Capital
0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00%
Common Equity to Total Capital
78.56% 94.35% 99.96%
Debt to EBITDA
1.54 0.75 -0.02
Net Debt to EBITDA
0.92 -0.12 15.28
Long-Term Debt to EBITDA
1.54 0.75 -0.02
Debt to NOPAT
2.41 1.32 -0.02
Net Debt to NOPAT
1.44 -0.21 14.16
Long-Term Debt to NOPAT
2.41 1.32 -0.02
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00%
Liquidity Ratios
- - -
Cash Flow Metrics
- - -
Free Cash Flow to Firm (FCFF)
-27 79 20
Operating Cash Flow to CapEx
2,439.41% 2,038.82% 5,684.37%
Free Cash Flow to Firm to Interest Expense
-10.65 2.15 0.43
Operating Cash Flow to Interest Expense
21.69 0.97 0.61
Operating Cash Flow Less CapEx to Interest Expense
20.80 0.92 0.60
Efficiency Ratios
- - -
Asset Turnover
0.03 0.03 0.02
Fixed Asset Turnover
17.64 13.53 10.02
Capital & Investment Metrics
- - -
Invested Capital
525 465 436
Invested Capital Turnover
0.28 0.22 0.16
Increase / (Decrease) in Invested Capital
74 -59 -30
Enterprise Value (EV)
537 329 241
Market Capitalization
470 334 379
Book Value per Share
$25.71 $27.20 $27.07
Tangible Book Value per Share
$20.85 $22.46 $22.38
Total Capital
525 465 436
Total Debt
112 26 0.15
Total Long-Term Debt
112 26 0.15
Net Debt
67 -4.16 -137
Capital Expenditures (CapEx)
2.27 1.75 0.50
Net Nonoperating Expense (NNE)
0.00 0.00 -1.28
Net Nonoperating Obligations (NNO)
112 26 0.15
Total Depreciation and Amortization (D&A)
9.67 8.94 4.86
Earnings Adjustments
- - -
Adjusted Basic Earnings per Share
$2.93 $1.24 ($0.52)
Adjusted Weighted Average Basic Shares Outstanding
15.92M 16.01M 16.04M
Adjusted Diluted Earnings per Share
$2.92 $1.24 ($0.52)
Adjusted Weighted Average Diluted Shares Outstanding
15.97M 16.03M 16.04M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
16.06M 16.19M 16.12M
Normalized Net Operating Profit after Tax (NOPAT)
47 20 -9.68
Normalized NOPAT Margin
33.66% 18.46% -13.21%
Pre Tax Income Margin
45.89% 24.16% -18.87%
Debt Service Ratios
- - -
EBIT to Interest Expense
24.92 0.71 -0.30
NOPAT to Interest Expense
18.28 0.54 -0.21
EBIT Less CapEx to Interest Expense
24.03 0.66 -0.31
NOPAT Less CapEx to Interest Expense
17.39 0.49 -0.22
Payout Ratios
- - -
Dividend Payout Ratio
33.64% 80.96% -192.62%
Augmented Payout Ratio
36.33% 80.96% -243.19%

Quarterly Metrics and Ratios for Bank of Marin Bancorp

This table displays calculated financial ratios and metrics derived from Bank of Marin Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
14.15% 7.81% 0.21% -20.80% -24.29% -41.65% -22.50% -127.12% 0.33% 33.38%
EBITDA Growth
193.29% 37.92% -1.88% -53.84% -52.41% -90.70% -62.66% -497.38% -11.75% 406.35%
EBIT Growth
143.71% 30.16% -9.27% -60.90% -58.59% -97.78% -69.49% -685.52% 1.13% 2,366.75%
NOPAT Growth
130.48% 32.60% -9.79% -58.87% -56.51% -95.27% -69.05% -628.84% -13.69% 885.39%
Net Income Growth
130.48% 32.60% -9.79% -58.87% -56.51% -95.27% -69.05% -581.26% -13.69% 885.39%
EPS Growth
117.14% 39.66% -10.61% -59.42% -56.58% -95.06% -69.49% -585.71% -15.15% 850.00%
Operating Cash Flow Growth
54.04% 26.29% 17.12% -0.92% -30.86% -95.18% -67.82% -57.18% -26.16% 1,261.37%
Free Cash Flow Firm Growth
179.55% 23.91% -576.13% -506.78% -284.25% 198.22% 199.07% 185.18% 177.81% -40.11%
Invested Capital Growth
-13.51% 16.36% 98.67% 74.79% 35.77% -11.28% -47.73% -39.27% -18.89% -6.40%
Revenue Q/Q Growth
5.38% 0.58% -8.69% -18.17% 0.74% -22.49% 21.30% -128.64% 472.63% 3.04%
EBITDA Q/Q Growth
9.18% 4.27% -21.80% -48.14% 12.54% -79.62% 213.88% -651.90% 124.99% 16.96%
EBIT Q/Q Growth
10.86% 5.99% -27.02% -54.40% 17.42% -94.33% 904.86% -975.08% 120.28% 38.32%
NOPAT Q/Q Growth
10.01% 5.81% -26.71% -51.79% 16.35% -88.50% 379.80% -923.66% 118.99% 31.31%
Net Income Q/Q Growth
10.01% 5.81% -26.71% -51.79% 16.35% -88.50% 379.80% -849.56% 120.87% 31.31%
EPS Q/Q Growth
10.14% 6.58% -27.16% -52.54% 17.86% -87.88% 350.00% -855.56% 120.59% 35.71%
Operating Cash Flow Q/Q Growth
137.95% -15.60% -17.65% -40.09% 66.05% -94.12% 449.68% -20.27% 186.34% 8.49%
Free Cash Flow Firm Q/Q Growth
249.05% -182.03% -566.64% 25.56% 54.74% 143.73% 572.40% -36.00% -58.65% -66.34%
Invested Capital Q/Q Growth
-3.16% 32.14% 59.38% -14.29% -24.78% -13.65% -6.11% -0.40% 0.45% -0.36%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
54.01% 56.00% 47.95% 30.39% 33.95% 8.93% 23.10% 0.00% 29.86% 33.89%
EBIT Margin
46.57% 49.08% 39.22% 21.85% 25.47% 1.86% 15.44% 0.00% 25.68% 34.47%
Profit (Net Income) Margin
34.05% 35.82% 28.75% 16.94% 19.56% 2.90% 11.48% 0.00% 16.83% 21.45%
Tax Burden Percent
73.12% 72.99% 73.30% 77.50% 76.79% 155.75% 74.37% 63.70% 65.54% 62.22%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
26.88% 27.01% 26.70% 22.50% 23.21% -55.75% 25.63% 0.00% 34.46% 37.78%
Return on Invested Capital (ROIC)
10.80% 10.17% 6.34% 3.95% 5.13% 0.63% 1.81% 0.00% 2.29% 3.49%
ROIC Less NNEP Spread (ROIC-NNEP)
10.80% 10.17% 6.34% 3.95% 5.13% 0.63% 1.81% 0.00% 2.29% 3.49%
Return on Net Nonoperating Assets (RNNOA)
0.01% 1.33% 3.03% 1.39% 0.76% 0.10% 0.85% 0.00% 0.32% 0.11%
Return on Equity (ROE)
10.82% 11.50% 9.36% 5.34% 5.89% 0.73% 2.66% 0.00% 2.61% 3.60%
Cash Return on Invested Capital (CROIC)
24.64% -5.57% -58.82% -47.50% -23.47% 15.97% 64.80% 46.04% 17.55% 4.47%
Operating Return on Assets (OROA)
1.47% 1.61% 1.28% 0.68% 0.75% 0.05% 0.39% 0.00% 0.43% 0.67%
Return on Assets (ROA)
1.07% 1.17% 0.94% 0.53% 0.57% 0.08% 0.29% 0.00% 0.29% 0.42%
Return on Common Equity (ROCE)
10.82% 11.50% 9.36% 5.34% 5.89% 0.73% 2.66% 0.00% 2.61% 3.60%
Return on Equity Simple (ROE_SIMPLE)
10.95% 0.00% 10.59% 9.21% 7.68% 0.00% 3.06% -3.01% -3.16% 0.00%
Net Operating Profit after Tax (NOPAT)
12 13 9.44 4.55 5.30 0.61 2.92 -24 4.57 6.00
NOPAT Margin
34.05% 35.82% 28.75% 16.94% 19.56% 2.90% 11.48% 0.00% 16.83% 21.45%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -1.48% 0.00% 0.00%
SG&A Expenses to Revenue
36.56% 34.38% 41.77% 51.19% 48.49% 60.68% 56.80% 0.00% 49.06% 42.78%
Operating Expenses to Revenue
52.25% 50.92% 60.24% 76.91% 72.96% 91.94% 83.19% 0.00% 75.18% 65.53%
Earnings before Interest and Taxes (EBIT)
17 18 13 5.87 6.90 0.39 3.93 -34 6.97 9.65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
19 20 16 8.17 9.19 1.87 5.88 -32 8.11 9.48
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
1.07 1.14 0.73 0.61 0.65 0.76 0.59 0.59 0.73 0.87
Price to Tangible Book Value (P/TBV)
1.33 1.41 0.90 0.75 0.80 0.92 0.72 0.71 0.89 1.05
Price to Revenue (P/Rev)
3.13 3.39 2.28 1.98 2.22 3.10 2.58 3.85 4.84 5.17
Price to Earnings (P/E)
9.77 10.08 6.93 6.67 8.48 16.77 19.33 0.00 0.00 0.00
Dividend Yield
3.66% 3.34% 5.03% 6.19% 5.91% 4.84% 6.26% 6.39% 5.07% 4.25%
Earnings Yield
10.23% 9.92% 14.43% 15.00% 11.80% 5.96% 5.17% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)
0.60 1.02 0.82 0.72 0.50 0.71 0.51 0.05 0.21 0.55
Enterprise Value to Revenue (EV/Rev)
1.76 3.88 4.94 3.91 2.20 3.06 2.22 0.36 1.38 3.29
Enterprise Value to EBITDA (EV/EBITDA)
3.54 7.33 9.38 8.10 5.07 9.42 8.86 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)
4.03 8.45 10.99 9.68 6.23 12.65 13.02 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)
5.51 11.52 15.01 13.14 8.39 16.56 16.63 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)
4.61 9.71 11.94 8.98 5.27 9.24 8.38 1.09 4.98 8.51
Enterprise Value to Free Cash Flow (EV/FCFF)
2.27 0.00 0.00 0.00 0.00 4.17 0.54 0.09 1.07 12.00
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
0.00 0.27 0.94 0.69 0.29 0.06 0.00 0.00 0.00 0.00
Long-Term Debt to Equity
0.00 0.27 0.94 0.69 0.29 0.06 0.00 0.00 0.00 0.00
Financial Leverage
0.00 0.13 0.48 0.35 0.15 0.16 0.47 0.34 0.14 0.03
Leverage Ratio
10.07 9.81 9.95 10.10 10.28 9.34 9.12 9.07 9.15 8.58
Compound Leverage Factor
10.07 9.81 9.95 10.10 10.28 9.34 9.12 9.07 9.15 8.58
Debt to Total Capital
0.09% 21.44% 48.54% 40.83% 22.33% 5.65% 0.06% 0.05% 0.04% 0.04%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
0.09% 21.44% 48.54% 40.83% 22.33% 5.65% 0.06% 0.05% 0.04% 0.04%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
99.91% 78.56% 51.46% 59.17% 77.67% 94.35% 99.94% 99.95% 99.96% 99.96%
Debt to EBITDA
0.01 1.54 5.57 4.62 2.26 0.75 0.01 -0.01 -0.01 -0.02
Net Debt to EBITDA
-2.74 0.92 5.05 3.99 -0.05 -0.12 -1.44 14.91 13.81 15.28
Long-Term Debt to EBITDA
0.01 1.54 5.57 4.62 2.26 0.75 0.01 -0.01 -0.01 -0.02
Debt to NOPAT
0.01 2.41 8.91 7.49 3.74 1.32 0.02 -0.01 -0.01 -0.02
Net Debt to NOPAT
-4.27 1.44 8.07 6.48 -0.09 -0.21 -2.69 14.26 14.17 14.16
Long-Term Debt to NOPAT
0.01 2.41 8.91 7.49 3.74 1.32 0.02 -0.01 -0.01 -0.02
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
74 -61 -406 -302 -137 60 402 257 106 36
Operating Cash Flow to CapEx
4,740.93% 1,085.51% 934.91% 2,091.95% 0.00% 6,558.33% 2,686.96% 3,875.28% 9,316.98% 6,532.93%
Free Cash Flow to Firm to Interest Expense
134.90 -73.24 -91.22 -28.79 -12.85 5.36 35.10 21.68 8.83 3.18
Operating Cash Flow to Interest Expense
35.17 19.65 3.02 0.77 1.26 0.07 0.38 0.29 0.82 0.95
Operating Cash Flow Less CapEx to Interest Expense
34.43 17.84 2.70 0.73 1.27 0.07 0.36 0.28 0.81 0.94
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.02
Fixed Asset Turnover
18.22 17.64 17.39 16.69 16.07 13.53 12.36 8.30 8.73 10.02
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
397 525 836 717 539 465 437 435 437 436
Invested Capital Turnover
0.32 0.28 0.22 0.23 0.26 0.22 0.16 0.12 0.14 0.16
Increase / (Decrease) in Invested Capital
-62 74 415 307 142 -59 -399 -281 -102 -30
Enterprise Value (EV)
239 537 684 513 270 329 222 24 92 241
Market Capitalization
424 470 316 260 273 334 259 255 321 379
Book Value per Share
$24.76 $25.71 $26.79 $26.31 $25.97 $27.20 $26.97 $26.71 $26.85 $27.07
Tangible Book Value per Share
$19.88 $20.85 $21.96 $21.52 $21.20 $22.46 $22.26 $22.04 $22.19 $22.38
Total Capital
397 525 836 717 539 465 437 435 437 436
Total Debt
0.37 112 406 293 120 26 0.26 0.23 0.19 0.15
Total Long-Term Debt
0.37 112 406 293 120 26 0.26 0.23 0.19 0.15
Net Debt
-185 67 368 253 -2.80 -4.16 -36 -231 -229 -137
Capital Expenditures (CapEx)
0.41 1.50 1.44 0.39 -0.09 0.01 0.16 0.09 0.11 0.16
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 -2.17 0.00 0.00
Net Nonoperating Obligations (NNO)
0.37 112 406 293 120 26 0.26 0.23 0.19 0.15
Total Depreciation and Amortization (D&A)
2.66 2.49 2.87 2.29 2.29 1.48 1.95 1.94 1.14 -0.16
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$0.00 $0.81 $0.00 $0.28 $0.00 $0.04 $0.18 ($1.36) $0.28 $0.38
Adjusted Weighted Average Basic Shares Outstanding
0.00 15.92M 0.00 16.01M 0.00 16.01M 16.08M 16.11M 16.04M 16.04M
Adjusted Diluted Earnings per Share
$0.00 $0.81 $0.00 $0.28 $0.00 $0.04 $0.18 ($1.36) $0.28 $0.38
Adjusted Weighted Average Diluted Shares Outstanding
0.00 15.97M 0.00 16.02M 0.00 16.03M 16.09M 16.11M 16.07M 16.04M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
0.00 16.06M 0.00 16.12M 0.00 16.19M 16.29M 16.28M 16.08M 16.12M
Normalized Net Operating Profit after Tax (NOPAT)
12 13 9.44 4.55 5.30 0.27 2.92 -24 4.57 6.00
Normalized NOPAT Margin
34.05% 35.82% 28.75% 16.94% 19.56% 1.30% 11.48% 0.00% 16.83% 21.45%
Pre Tax Income Margin
46.57% 49.08% 39.22% 21.85% 25.47% 1.86% 15.44% 0.00% 25.68% 34.47%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
30.27 21.24 2.90 0.56 0.65 0.04 0.34 -2.90 0.58 0.86
NOPAT to Interest Expense
22.13 15.50 2.12 0.43 0.50 0.05 0.26 -2.03 0.38 0.53
EBIT Less CapEx to Interest Expense
29.53 19.43 2.57 0.52 0.66 0.03 0.33 -2.91 0.57 0.84
NOPAT Less CapEx to Interest Expense
21.39 13.69 1.80 0.40 0.51 0.05 0.24 -2.04 0.37 0.52
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
35.72% 33.64% 34.82% 41.11% 49.98% 80.96% 120.63% -123.73% -117.48% -192.62%
Augmented Payout Ratio
50.83% 36.33% 34.82% 41.11% 49.98% 80.96% 120.63% -123.73% -148.16% -243.19%

Frequently Asked Questions About Bank of Marin Bancorp's Financials

When does Bank of Marin Bancorp's fiscal year end?

According to the most recent income statement we have on file, Bank of Marin Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Bank of Marin Bancorp's net income changed over the last 2 years?

Bank of Marin Bancorp's net income appears to be on a downward trend, with a most recent value of -$8.41 million in 2024, falling from $46.59 million in 2022. The previous period was $19.90 million in 2023.

How has Bank of Marin Bancorp revenue changed over the last 2 years?

Over the last 2 years, Bank of Marin Bancorp's total revenue changed from $138.40 million in 2022 to $73.30 million in 2024, a change of -47.0%.

How much debt does Bank of Marin Bancorp have?

Bank of Marin Bancorp's total liabilities were at $3.27 billion at the end of 2024, a 2.9% decrease from 2023, and a 12.6% decrease since 2022.

How has Bank of Marin Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Bank of Marin Bancorp's book value per share changed from 25.71 in 2022 to 27.07 in 2024, a change of 5.3%.



This page (NASDAQ:BMRC) was last updated on 4/24/2025 by MarketBeat.com Staff
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