Bank of Marin Bancorp
Bank of Marin Bancorp Fundamental Analysis
Bank of Marin Bancorp (BMRC) shows strong financial fundamentals with a PE ratio of 8.74, profit margin of 25.80%, and ROE of 11.26%. The company generates $0.2B in annual revenue with strong year-over-year growth of 51.85%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 78.7/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze BMRC's fundamental strength across five key dimensions:
Efficiency Score
WeakBMRC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBMRC trades at attractive valuation levels.
Growth Score
ModerateBMRC shows steady but slowing expansion.
Financial Health Score
ExcellentBMRC maintains a strong and stable balance sheet.
Profitability Score
ModerateBMRC maintains healthy but balanced margins.
Key Financial Metrics
Is BMRC Expensive or Cheap?
P/E Ratio
BMRC trades at 8.74 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BMRC's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values Bank of Marin Bancorp at 1.04 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.84 times EBITDA. This is generally considered low.
How Well Does BMRC Make Money?
Net Profit Margin
For every $100 in sales, Bank of Marin Bancorp keeps $25.80 as profit after all expenses.
Operating Margin
Core operations generate 24.75 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.26 in profit for every $100 of shareholder equity.
ROA
Bank of Marin Bancorp generates $1.20 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bank of Marin Bancorp produces operating cash flow of $34.24M, showing steady but balanced cash generation.
Free Cash Flow
Bank of Marin Bancorp generates strong free cash flow of $32.71M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.03 in free cash annually.
FCF Yield
BMRC converts 7.73% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.74
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.004
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.04
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.28
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.06
vs 25 benchmark
Current Ratio
Current assets to current liabilities
63.65
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How BMRC Stacks Against Its Sector Peers
| Metric | BMRC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.74 | 19.03 | Better (Cheaper) |
| ROE | 11.26% | 818.00% | Weak |
| Net Margin | 25.80% | 1571.00% | Weak |
| Debt/Equity | 0.06 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 63.65 | 669.04 | Strong Liquidity |
| ROA | 1.20% | -21643.00% (disorted) | Weak |
BMRC outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bank of Marin Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
38.97%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
22.11%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-18.61%
Industry Style: Value, Dividend, Cyclical
Declining