Bank of Marin Bancorp (BMRC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Bank of Marin Bancorp stock (BMRC) is currently trading at $24.80. Bank of Marin Bancorp PE ratio is 38.74. Bank of Marin Bancorp PS ratio (Price-to-Sales) is 13.56. Analyst consensus price target for BMRC is $30.70. WallStSmart rates BMRC as Underperform.
- BMRC PE ratio analysis and historical PE chart
- BMRC PS ratio (Price-to-Sales) history and trend
- BMRC intrinsic value — DCF, Graham Number, EPV models
- BMRC stock price prediction 2025 2026 2027 2028 2029 2030
- BMRC fair value vs current price
- BMRC insider transactions and insider buying
- Is BMRC undervalued or overvalued?
- Bank of Marin Bancorp financial analysis — revenue, earnings, cash flow
- BMRC Piotroski F-Score and Altman Z-Score
- BMRC analyst price target and Smart Rating
Bank of Marin Bancorp
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BMRC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Bank of Marin Bancorp (BMRC)
BMRC is trading near its Graham intrinsic value of $29.02, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Bank of Marin Bancorp (BMRC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around return on equity and price/sales. Fundamentals are solid but monitor weak areas for improvement.
Bank of Marin Bancorp (BMRC) Key Strengths (4)
Keeps $141 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 67.90% year-over-year
64.83% held by institutions, strong professional interest
Supporting Valuation Data
Bank of Marin Bancorp (BMRC) Areas to Watch (6)
Company is destroying shareholder value
Company is losing money with a negative profit margin
Very expensive at 13.6x annual revenue
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Solid revenue growth at 13.00% per year
Supporting Valuation Data
Bank of Marin Bancorp (BMRC) Detailed Analysis Report
Overall Assessment
This company scores 55/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 2.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.87) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 140.50%. Growth metrics are encouraging with EPS Growth at 67.90%.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, Price/Sales. Some valuation metrics including PEG Ratio (2.56), Price/Sales (13.56) suggest expensive pricing. Growth concerns include Revenue Growth at 13.00%, which may limit upside. Profitability pressure is visible in Return on Equity at -8.60%, Profit Margin at -125.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -8.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 13.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BMRC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BMRC's Price-to-Sales ratio of 13.56x sits near its historical average of 12.51x (86th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 0% below its historical high of 13.56x set in Mar 2026, and 16% above its historical low of 11.65x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Bank of Marin Bancorp (BMRC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Bank of Marin Bancorp is in a turnaround phase, with management focused on restoring profitability. Revenue reached 29M with 13% growth year-over-year. The company is currently unprofitable, posting a -125.1% profit margin.
Key Findings
Generating 39M in free cash flow and 39M in operating cash flow. Earnings are translating into actual cash generation.
The company is unprofitable with a -125.1% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Dividend sustainability with a current yield of 415.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Bank of Marin Bancorp.
Bottom Line
Bank of Marin Bancorp is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Bank of Marin Bancorp(BMRC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Bank of Marin Bancorp is the holding company of Bank of Marin providing a range of financial services primarily to professionals, small and medium-sized businesses, individuals, and non-profit organizations in the San Francisco Bay Area, California in the United States. United. State. The company is headquartered in Novato, California.