Bank of Marin Bancorp (BMRC) financials — revenue, cash, debt and margins

Key figures

Trailing twelve months where a flow is involved, latest reported balance where it is not.

Valuation

Market cap: $441M
P/E (TTM): —
Price / sales: 7.09
EV / EBITDA: —
Price / book: 1.11

Cash flow

FCF yield: 8.7%
SBC-adjusted FCF yield: 8.4%
SBC impact: 2.9%
Stock compensation (TTM): $1.1M

Margins & growth

Profit margin: -22.9%
Operating margin: —
Quarterly revenue (year on year): 263.1%
Quarterly earnings (year on year): —

Balance sheet

Cash & investments: $297.6M
Debt: $24.1M
Net cash / (debt): $273.5M

Where the revenue comes from

What this company sells, and where it sells it, as the filings break it down.

By product or service

Year to Dec 31, 2025 · $6.5M

Fiduciary and Trust36%
$2.3M-4.5% vs. a year earlier
Deposit Account34%
$2.2M+1.1% vs. a year earlier
Debit Card25%
$1.6M-5.2% vs. a year earlier
Merchant Interchange Fees Net6%
$377K+16.4% vs. a year earlier

These lines are the breakdown as filed. We could not reconcile them against the total revenue for the same period.

What it owns and what it owes

Both on one scale, because both are money — the bar that is taller is the one that matters.

Cash and debt

Cash & InvestmentsTotal Debt

Cash counts short-term investments, not just the bank balance — technology companies park most of it in marketable securities, and leaving those out understates it several times over. Debt includes lease obligations.

The rest of the series

Not on the overview because five charts is as much as one decision needs — but here in full, on one period switch. Each bar sums the four quarters ending there — a full year, brought up to today.

Total Revenue

$62.16MQ2 2026+65.5%

1Y: -32.06%2Y: -6.12%5Y: -39.18%

Everything the company sold, before any costs. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit

-$14.26MQ2 2026+55.5%-22.9% of revenue

1Y: -306.32%2Y: -9.06%5Y: -142.14%

What was left after every cost, including tax. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit margin

-22.9%Q2 2026+73.1%

How much of every dollar of sales the company keeps as profit. A grocer keeps a few cents; a software company can keep half. Each point covers the four quarters ending there — a full year, brought up to today.

Free Cash Flow

$38.33MQ2 2026+14.2%

1Y: +19.73%2Y: +76.15%5Y: +30.01%

Cash left over after running and maintaining the business. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit per share

-$0.91Q2 2026+55.0%

1Y: -311.63%2Y: -12.35%5Y: -136.11%

The same profit, split across every share. If this lags the profit chart above, the company is issuing shares and your slice is getting smaller. Restated onto today’s share count, so stock splits do not show as jumps. Each bar sums the four quarters ending there — a full year, brought up to today.

Shares outstanding

15.95MQ2 20260.0%

How many shares the profit is divided across. Rising is dilution; falling is the company buying itself back. Restated onto today’s basis, so splits do not show as jumps. Each point covers the four quarters ending there — a full year, brought up to today.

Price to earnings

40.8xQ4 2025-25.0%

40.8x today · median 11.2x and range 5.4x–54.5x across the points shown, Q1 2020 to Q4 2025 The break in the line covers 4 periods with no meaningful multiple — a loss, or earnings so small the ratio says more about the denominator than the price.

Paid per unit of yearly profit. Periods with a loss, or profits too small for the ratio to mean anything, are left out — the line breaks rather than drawing through them. Each point covers the four quarters ending there — a full year, brought up to today.

Dividends paid

$16.12MQ2 20260.0%

1Y: -0.25%2Y: -0.35%5Y: +30.07%

Cash handed to shareholders. A flat line at zero means the company pays none. Each bar sums the four quarters ending there — a full year, brought up to today.

About Bank of Marin Bancorp

Ticker: BMRC
SEC classification: State Commercial Banks (6022)
Listed on: Nasdaq
Incorporated in: CA
Financial year ends: December 31
Filer size: Accelerated filer

About this data

Everything above comes from Bank of Marin Bancorp’s own filings with the SEC, as reported. No estimates, no analyst figures, nothing adjusted.

Splits applied: 2:1 on Nov 27, 2018. Per-share history is restated onto today’s basis, so a split does not appear as a cliff.

Not reported by this filer: Cost of Revenue, Gross Profit, R&D Expense, SG&A Expense, Total Operating Expenses, Operating Income, Current Assets, Current Liabilities, Inventory, Receivables, Long-term Debt (noncurrent), Long-term Debt (current), Short-term Borrowings, Borrowings (total), Operating Lease (current), Operating Lease (noncurrent), Finance Lease (current), and Finance Lease (noncurrent). Companies choose which XBRL tags to use, and anything untagged cannot be recovered — so these are blank rather than guessed.