Bank of Marin Bancorp (BMRC) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does Bank of Marin Bancorp Do?
Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, professionals, not-for-profit organizations, and individuals in California, the United States. It offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry and insured cash sweep services. The company also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, it offers merchant and payroll, and cash management services; credit cards; fraud detection tools; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, the company provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. It operates through 12 branch offices in Marin, southern Sonoma counties, and north of San Francisco, California; and a loan production office in San Francisco. The company was incorporated in 1989 and is headquartered in Novato, California. Bank of Marin Bancorp (BMRC) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Timothy D. Myers and employs approximately 310 people, headquartered in Novato, California. With a market capitalization of $417M, BMRC is one of the notable companies in the Financials sector.
Bank of Marin Bancorp (BMRC) Stock Rating — Reduce (April 2026)
As of April 2026, Bank of Marin Bancorp receives a Reduce rating with a composite score of 40.7/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.BMRC ranks #2,270 out of 4,446 stocks in our coverage universe. Within the Financials sector, Bank of Marin Bancorp ranks #620 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
BMRC Stock Price and 52-Week Range
Bank of Marin Bancorp (BMRC) currently trades at $26.74. The stock lost $0.35 (1.3%) in the most recent trading session. The 52-week high for BMRC is $28.48, which means the stock is currently trading -6.1% from its annual peak. The 52-week low is $19.14, putting the stock 39.7% above its annual trough. Recent trading volume was 72K shares, suggesting relatively thin trading activity.
Is BMRC Overvalued or Undervalued? — Valuation Analysis
Bank of Marin Bancorp (BMRC) carries a value factor score of 23/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 50.12x, compared to the Financials sector average of 14.88x — a premium of 237%. The price-to-book ratio stands at 1.07x, versus the sector average of 1.22x. The price-to-sales ratio is 2.88x, compared to 0.90x for the average Financials stock. On an enterprise value basis, BMRC trades at 35.64x EV/EBITDA, versus 3.26x for the sector.
At current multiples, Bank of Marin Bancorp trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.
Bank of Marin Bancorp Profitability — ROE, Margins, and Quality Score
Bank of Marin Bancorp (BMRC) earns a quality factor score of 27/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 2.1%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.2% versus the sector average of 1.2%.
On a margin basis, Bank of Marin Bancorp reports gross margins of 0.0%. The operating margin is 7.8% (sector: 21.8%). Net profit margin stands at 5.5%, versus 17.7% for the average Financials stock. Revenue growth is running at 13.8% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
BMRC Debt, Balance Sheet, and Financial Health
Bank of Marin Bancorp has a debt-to-equity ratio of 889.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.11x, suggesting adequate working capital coverage. Total debt on the balance sheet is $57,000.
BMRC has a beta of 0.78, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Bank of Marin Bancorp is 79/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
Bank of Marin Bancorp Revenue and Earnings History — Quarterly Trend
In TTM 2026, Bank of Marin Bancorp reported revenue of $147M and earnings per share (EPS) of $-2.24. Net income for the quarter was $8M. Gross margin was 0.0%. Operating income came in at $12M.
In FY 2025, Bank of Marin Bancorp reported revenue of $152M and earnings per share (EPS) of $-2.24. Net income for the quarter was $-36M. Revenue grew 7.9% year-over-year compared to FY 2024. Operating income came in at $-52M.
In Q3 2025, Bank of Marin Bancorp reported revenue of $39M and earnings per share (EPS) of $0.47. Net income for the quarter was $8M. Revenue grew 7.6% year-over-year compared to Q3 2024. Operating income came in at $10M.
In Q2 2025, Bank of Marin Bancorp reported revenue of $36M and earnings per share (EPS) of $-0.53. Net income for the quarter was $-9M. Revenue grew 5.7% year-over-year compared to Q2 2024. Operating income came in at $-11M.
Over the past 8 quarters, Bank of Marin Bancorp has demonstrated a growth trajectory, with revenue expanding from $34M to $147M. Investors analyzing BMRC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
BMRC Dividend Yield and Income Analysis
Bank of Marin Bancorp (BMRC) currently pays a dividend yield of 4.2%. At this yield, a $10,000 investment in BMRC stock would generate approximately $$416.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning BMRC offers above-average income for its sector. The net margin of 5.5% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.
BMRC Momentum and Technical Analysis Profile
Bank of Marin Bancorp (BMRC) has a momentum factor score of 48/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 64/100 reflects moderate short selling activity.
BMRC vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, Bank of Marin Bancorp (BMRC) ranks #620 out of 891 stocks based on the Blank Capital composite score. This places BMRC in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing BMRC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full BMRC vs S&P 500 (SPY) comparison to assess how Bank of Marin Bancorp stacks up against the broader market across all factor dimensions.
BMRC Next Earnings Date
No upcoming earnings date has been announced for Bank of Marin Bancorp (BMRC) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy BMRC? — Investment Thesis Summary
The quantitative profile for Bank of Marin Bancorp suggests caution. The quality score of 27/100 flags below-average profitability. The value score of 23/100 indicates premium valuation. Low volatility (stability score 79/100) reduces downside risk.
In summary, Bank of Marin Bancorp (BMRC) earns a Reduce rating with a composite score of 40.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on BMRC stock.
Related Resources for BMRC Investors
Explore more research and tools: BMRC vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare BMRC head-to-head with peers: BMRC vs WTM, BMRC vs OPY, BMRC vs ACT.