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BMBMRC

Bank of Marin Bancorp

$BMRC·$491M·Banks - Regional·Financial Services
$29.10-4.0%YTD+15.9%1Y+28.2%
Mentions · last 7 days
2026-07-21: 0 posts2026-07-22: 0 posts2026-07-23: 0 posts2026-07-24: 3 posts2026-07-25: 0 posts2026-07-26: 1 posts2026-07-27: 12 posts16
Price updated 11m ago·X counts updated 23h ago
BMBMRC
$BMRCBank of Marin Bancorp
$29.10-3.96%16 posts
AI analysisFundamentalsVoices on X
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What it does

Plain-English summary of the business — what they sell and how they make money.

Bank of Marin Bancorp functions as the parent organization for Bank of Marin, a financial institution delivering diverse services. It caters principally to small and mid-sized enterprises, independent professionals, non-profit groups, and private clientele across California. Deposit offerings include both personal and business checking and savings accounts, individual retirement accounts (IRAs), health savings accounts (HSAs), and specialized demand deposit marketplace accounts. Clients can also opt for time certificates of deposit (CDs), Certificate of Deposit Account Registry Service (CDARS), and Insured Cash Sweep (ICS) services. Its lending portfolio spans commercial real estate, commercial and industrial financing, and consumer loans, along with construction funding and home equity lines of credit. Beyond traditional banking, the bank provides business-focused solutions such as merchant and payroll services, comprehensive cash management, credit cards, and robust fraud detection tools. Digital conveniences include mobile and remote deposit capture, Automated Clearing House (ACH) transfers, wire services, and image lockbox functionality. Furthermore, the institution offers extensive wealth management and trust services, encompassing personalized investment portfolio management, financial planning, trust administration, estate settlement, custody services, and 401(k) plan administration. Customers also benefit from accessible ATMs and modern telephone and digital banking platforms. The bank maintains a physical network of twelve branch locations situated throughout Marin, southern Sonoma counties, and regions north of San Francisco, California, complemented by a dedicated loan production office within San Francisco. Founded in 1989, its corporate headquarters are based in Novato, California.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $BMRC.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.3%YTD
+22.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
7.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
3.0%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
32.5%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.3%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
15.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
63.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 27, 2026$0.58$0.52+12.6%
Q1 2026Apr 27, 2026$0.53$0.56-5.4%
Q4 2025Jan 26, 2026$0.59$0.51+15.7%
Q3 2025Oct 27, 2025$0.47$0.42+11.9%
Next earningsMon, Oct 26·consensus EPS $0.57

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$42.3M+115.9%0.0%0.0%$0.58$0
Q1 FY26$46.6M+25.4%73.2%24.9%$0.53$844K
Q4 FY25$79.3M+106.5%86.6%58.9%$2.49$13.2M
Q3 FY25$40.7M+6.2%73.2%23.6%$0.47$12.1M

Forward consensus

2-year forecast · up to 3 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$138.9M$137.3M – $140.5M$2.19$2.08 – $2.343
FY27$148.0M$142.5M – $153.5M$2.40$2.18 – $2.563

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.93%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+12.2%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+15.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 15.2M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.795-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyApr 30Nicolas C AndersonDirector200 sh$5K
+ 36 other (13 others · 11 inkinds · 7 awards · 4 expirelongs · 1 exempt) in window

See when $BMRC insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJul 278-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD · Item 8.01: Other event
AI summary

Bank of Marin Bancorp (California; Novato, CA) filed an 8-K on July 23, 2026 reporting Q2 financial results (Item 2.02), a Reg FD investor presentation (Item 7.01), and an additional other-events disclosure (Item 8.01). The body excerpt contains only the standard cover page. This combined earnings and investor communication filing is typical for regional bank quarterly reporting; results, presentation, and any other announcement are in the attached exhibits.

8-KShareholder voteJun 18-K — Item 5.07: Shareholder vote · Item 8.01: Other event
AI summary

Bank of Marin Bancorp filed an 8-K on May 27, 2026 covering Items 5.07 (annual meeting vote results) and 8.01 (other events). The body excerpt contains only the standard cover page. This combined post-annual-meeting and other-events filing is routine; vote tallies and the nature of the other announcement are in the attached exhibits.

8-KPress release / Reg FDApr 278-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD · Item 8.01: Other event
3New insider — initial holdingsApr 133
8-KOfficer or director changeApr 28-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
8-KPress release / Reg FDMar 188-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDMar 108-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDFeb 248-K — Item 7.01: Press release / Reg FD
+ 8 other (2 13Gs · 2 8-Ks · 1 routine 8-K · 1 10-Q) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Bank of Marin Bancorp (BMRC) Q2 2026 Earnings Call Transcriptseekingalpha.com·1d agoBank of Marin Bancorp Q2 Earnings Call Highlightsmarketbeat.com·1d agoHere's What Key Metrics Tell Us About Bank of Marin (BMRC) Q2 Earningszacks.com·1d agoBank of Marin (BMRC) Q2 Earnings and Revenues Top Estimateszacks.com·1d agoBank of Marin Bancorp Reports Second Quarter Financial Resultsbusinesswire.com·2d ago

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Voices on X · last 7 days

No standout posts about $BMRC on X in the last 7 days.

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