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Financials · BMRC

Bank of Marin Bancorp (BMRC) financials

For the twelve months ended Sep 30, 2026, Bank of Marin Bancorp reported $66.29M of revenue and -$11.85M of net income.

Revenue, TTM
$66.29M
Revenue growth, YoY
-29.7%
Net income, TTM
-$11.85M
Net margin
-17.9%
Free cash flow, TTM
$42.28M
EPS, diluted, TTM
-$0.76
Cash
$265.33M
P/S
7.03
Market cap
$466.1M
Annual revenue$29.39M
FY2016FY2025
Annual net income-$35.67M
FY2016FY2025
Annual free cash flow$37.26M
FY2016FY2025

BMRC revenue and earnings growth

BMRC revenueQ3 2026$35.07M

Quarter YoY
+17.3%
QoQ
+3.3%
FY YoY
-58.2%
5Y CAGR
-22.5%
10Y CAGR
-9.1%

BMRC revenue was $35.07M in fiscal Q3 2026 (ended Sep 30, 2026), up 17.3% from a year earlier and up 3.3% from the prior quarter. For the full fiscal 2025 it was $29.39M, down 58.2% from fiscal 2024. Compound annual growth was -22.5% over 5 years and -9.1% over 10 years. It rose in 7 of the last 10 fiscal years.

BMRC net incomeQ3 2026$9.93M

Quarter YoY
+32.0%
QoQ
+7.4%

BMRC net income was $9.93M in fiscal Q3 2026 (ended Sep 30, 2026), up 32.0% from a year earlier and up 7.4% from the prior quarter. For the full fiscal 2025 it was -$35.67M, compared with -$8.41M in fiscal 2024.

BMRC EPSQ3 2026$0.62

Quarter YoY
+31.9%
QoQ
+6.9%

BMRC diluted EPS was $0.62 in fiscal Q3 2026 (ended Sep 30, 2026), up 31.9% from a year earlier and up 6.9% from the prior quarter. For the full fiscal 2025 it was -$2.24, compared with -$0.52 in fiscal 2024.

BMRC free cash flowQ3 2026$16.02M

Quarter YoY
+32.7%
QoQ
+35.2%
FY YoY
+33.8%
5Y CAGR
-1.3%
10Y CAGR
+5.3%

BMRC free cash flow was $16.02M in fiscal Q3 2026 (ended Sep 30, 2026), up 32.7% from a year earlier and up 35.2% from the prior quarter. For the full fiscal 2025 it was $37.26M, up 33.8% from fiscal 2024. Compound annual growth was -1.3% over 5 years and +5.3% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$29.39M$70.22M$105.34M$138.40M$115.08M$105.21M$104.76M$101.68M$83.12M$82.32M
Interest expense--$36.73M$2.55M$3.40M$2.98M$4.76M$3.54M$1.74M$2.27M
Pre-tax income-$52.48M-$13.84M$26.04M$63.51M$44.89M$40.59M$45.89M$43.42M$28.84M$36.48M
Income tax-$16.81M-$5.43M$6.14M$16.92M$11.66M$10.35M$11.65M$10.79M$12.86M$13.35M
Net income-$35.67M-$8.41M$19.89M$46.59M$33.23M$30.24M$34.24M$32.62M$15.98M$23.13M
EPS, basic-$2.24-$0.52$1.24$2.93$2.32$2.24$2.51$2.35$1.29$1.91
EPS, diluted-$2.24-$0.52$1.24$2.92$2.30$2.22$2.48$2.33$1.27$1.89
Diluted shares15.9M16.0M16.0M16.0M14.4M13.6M13.8M14.0M12.5M12.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$225.30M$137.30M$30.45M$45.42M$347.64M$200.32M$183.39M$34.22M$203.54M$3.50M
Goodwill$72.75M$72.75M$72.75M$72.75M$72.75M$30.14M$30.14M$30.14M$30.14M$6.44M
Total assets$3.90B$3.70B$3.80B$4.15B$4.31B$2.91B$2.71B$2.52B$2.47B$2.02B
Total liabilities$3.51B$3.27B$3.36B$3.74B$3.86B$2.55B$2.37B$2.20B$2.17B$1.79B
Shareholders' equity$394.65M$435.41M$439.06M$412.09M$450.37M$358.25M$336.79M$316.41M$297.02M$230.56M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$39.08M$28.36M$35.66M$55.28M$45.25M$40.84M$40.93M$42.11M$26.95M$25.45M
Capital expenditures$1.82M$520.0K$1.75M$2.27M$1.04M$981.0K$542.0K$907.0K$1.43M$1.04M
Free cash flow$37.26M$27.84M$33.91M$53.01M$44.21M$39.86M$40.39M$41.20M$25.51M$24.41M
Investing cash flow-$171.99M$195.17M$334.69M-$218.10M-$340.67M-$173.44M-$20.75M-$225.30M$7.81M$24.32M
Financing cash flow$220.91M-$116.69M-$385.32M-$139.40M$442.73M$149.53M$128.99M$13.87M$119.98M-$27.30M
Dividends paid$16.13M$16.20M$16.11M$15.67M$13.11M$12.51M$10.96M$8.86M$6.90M$6.22M
Stock-based compensation$815.0K$630.0K$522.0K$963.0K$972.0K$1.20M$1.51M$1.66M$1.27M$985.0K
Depreciation and amortization-------$2.14M$1.94M$1.82M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-58.2%-33.3%-23.9%20.3%9.4%0.4%3.0%22.3%1.0%7.8%
Net income growth, YoY---57.3%40.2%9.9%-11.7%5.0%104.2%-30.9%25.4%
EPS growth, YoY---57.5%27.0%3.6%-10.5%6.4%83.5%-32.8%24.3%
Net margin-121.4%-12.0%18.9%33.7%28.9%28.7%32.7%32.1%19.2%28.1%
Free cash flow margin126.8%39.7%32.2%38.3%38.4%37.9%38.6%40.5%30.7%29.6%
Return on equity-9.0%-1.9%4.5%11.3%7.4%8.4%10.2%10.3%5.4%10.0%
Return on assets-0.9%-0.2%0.5%1.1%0.8%1.0%1.3%1.3%0.6%1.1%

Source: XBRL data Bank of Marin Bancorp files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures and share counts are restated for stock splits the filings show: 2-for-1, first reported Mar 15, 2019.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

BMRC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BMRC$66.29M-29.7%-$11.85M-17.9%$466.1M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

BMRC FAQ

8 questions
  • What is BMRC revenue?
    Bank of Marin Bancorp (BMRC) reported $66.29M of revenue for the twelve months ended Sep 30, 2026. That is down 29.7% from the year before. Revenue for fiscal 2025 was $29.39M.
  • Is BMRC profitable?
    No. Bank of Marin Bancorp reported a net loss of $11.85M for the twelve months ended Sep 30, 2026.
  • How much cash and debt does BMRC have?
    Bank of Marin Bancorp reported $265.33M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is BMRC revenue growing?
    Bank of Marin Bancorp's revenue changed -58.2% in fiscal 2025, to $29.39M. Its compound annual growth rate was -22.5% over 5 years and -9.1% over 10 years.
  • What is BMRC free cash flow?
    Bank of Marin Bancorp generated $42.28M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $43.15M less capital expenditures.
  • What is BMRC earnings per share?
    Diluted earnings per share were -$0.76 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did BMRC last report financial results?
    The latest statements here come from Bank of Marin Bancorp's 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this BMRC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Bank of Marin Bancorp files with the SEC. It is provided for information only and is not investment advice.