Bank of Marin Financials

BMRC Stock  USD 26.33  0.11  0.42%   
Based on the analysis of Bank of Marin's profitability, liquidity, and operating efficiency, Bank of Marin is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At present, Bank of Marin's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Liabilities And Stockholders Equity is expected to grow to about 4 B, whereas Other Assets are projected to grow to (4 M). Key indicators impacting Bank of Marin's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.180.1895
Notably Down
Slightly volatile
Return On Assets0.0050.0052
Notably Down
Slightly volatile
Return On Equity0.0430.0453
Notably Down
Slightly volatile
Debt Equity Ratio0.410.39
Sufficiently Up
Slightly volatile
Operating Income33.5 M39.7 M
Fairly Down
Slightly volatile
Current Ratio30.1936.39
Significantly Down
Very volatile
Investors should never underestimate Bank of Marin's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Bank of Marin's cash flow, debt, and profitability to make informed and accurate decisions about investing in Bank of Marin.

Net Income

18.44 Million

  
Understanding current and past Bank of Marin Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bank of Marin's financial statements are interrelated, with each one affecting the others. For example, an increase in Bank of Marin's assets may result in an increase in income on the income statement.
Please note, the presentation of Bank of Marin's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Bank of Marin's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Bank of Marin's management manipulating its earnings.

Bank of Marin Stock Summary

Bank of Marin competes with Fifth Third, Zions Bancorporation, Huntington Bancshares, Comerica, and MT Bank. Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, professionals, not-for-profit organizations, and individuals in California, the United States. The company was incorporated in 1989 and is headquartered in Novato, California. Bank Of Marin operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 302 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS0634251021
CUSIP063425102 063431100
LocationCalifornia; U.S.A
Business Address504 Redwood Blvd,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bankofmarin.com
Phone415 763 4520
CurrencyUSD - US Dollar

Bank of Marin Key Financial Ratios

Bank of Marin Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets2.7B2.9B4.3B4.1B3.8B4.0B
Other Assets1.4B1.7B1.1B1.3B(4.2M)(4.0M)
Total Liab2.4B2.6B3.9B3.7B3.4B3.5B
Other Liab17.2M17.5M28.3M22.9M26.3M13.2M
Net Debt(167.9M)(170.4M)(321.8M)93.7M18.8M19.7M
Retained Earnings203.2M219.7M239.9M270.8M274.6M288.3M
Accounts Payable18.5M19.5M29.4M22.9M20.7M21.7M
Cash183.4M200.3M347.6M45.4M30.5M28.9M
Net Receivables75.7M80.0M51.4M79.8M135.2M142.0M
Total Current Assets691.4M672.7M1.6B927.8M43.2M41.0M
Common Stock129.1M125.9M212.5M215.1M217.5M228.4M
Other Current Liab(18.5M)(12.1M)(33.9M)(178.6M)(298K)(312.9K)
Long Term Debt2.9M2.8M419K112.4M26M15.2M
Intangible Assets4.7M3.8M6.6M5.1M3.8M4.8M
Net Tangible Assets302.0M324.3M371.0M334.2M384.4M282.2M
Other Current Assets191.1M211.2M360.3M58.9M43.2M41.0M

Bank of Marin Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense4.8M3.0M3.4M2.5M36.7M38.6M
Total Revenue104.8M105.2M115.1M138.4M105.2M69.1M
Gross Profit104.8M105.2M115.1M138.4M105.2M69.1M
Operating Income45.9M40.6M44.9M66.1M39.7M33.5M
Ebit45.9M40.6M44.9M63.5M26.0M32.8M
Ebitda49.0M43.6M47.8M66.8M29.5M34.7M
Net Income34.2M30.2M33.2M46.6M19.9M18.4M
Income Tax Expense11.7M10.3M11.7M16.9M6.1M8.6M
Income Before Tax45.9M40.6M44.9M63.5M26.0M29.3M
Tax Provision11.7M10.3M11.7M16.9M6.1M9.3M
Net Interest Income95.7M96.7M105.0M127.5M102.8M102.0M
Interest Income100.4M99.6M108.4M130.0M139.5M109.3M

Bank of Marin Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash149.2M16.9M147.3M(302.2M)(15.0M)(14.2M)
Free Cash Flow40.4M39.9M44.2M53.0M33.9M23.9M
Depreciation3.1M3.0M2.9M3.3M3.4M2.3M
Other Non Cash Items(895K)(672K)(1.8M)5.6M11.9M12.4M
Capital Expenditures542K981K1.0M2.3M1.7M1.2M
Net Income34.2M30.2M33.2M46.6M19.9M19.7M
End Period Cash Flow183.4M200.3M347.6M45.4M30.5M28.9M
Dividends Paid11.0M12.5M13.1M15.7M16.1M16.9M
Change To Inventory(70K)547K(2.3M)4.7M(2.4M)(2.5M)
Investments(18.7M)(173.4M)(480.7M)(375.5M)334.7M351.4M
Net Borrowings(7M)(172K)(18.0M)111.9M128.6M135.1M
Change To Netincome1.2M8.3M12.0M8.7M10.0M10.5M

Bank Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bank of Marin's current stock value. Our valuation model uses many indicators to compare Bank of Marin value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bank of Marin competition to find correlations between indicators driving Bank of Marin's intrinsic value. More Info.
Bank of Marin is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At present, Bank of Marin's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bank of Marin's earnings, one of the primary drivers of an investment's value.

Bank of Marin Systematic Risk

Bank of Marin's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Bank of Marin volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Bank of Marin correlated with the market. If Beta is less than 0 Bank of Marin generally moves in the opposite direction as compared to the market. If Bank of Marin Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Bank of Marin is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Bank of Marin is generally in the same direction as the market. If Beta > 1 Bank of Marin moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Bank of Marin Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Bank of Marin's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Bank of Marin growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.29)

At present, Bank of Marin's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Bank of Marin November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bank of Marin help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bank of Marin. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bank of Marin based on widely used predictive technical indicators. In general, we focus on analyzing Bank Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bank of Marin's daily price indicators and compare them against related drivers.

Complementary Tools for Bank Stock analysis

When running Bank of Marin's price analysis, check to measure Bank of Marin's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bank of Marin is operating at the current time. Most of Bank of Marin's value examination focuses on studying past and present price action to predict the probability of Bank of Marin's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bank of Marin's price. Additionally, you may evaluate how the addition of Bank of Marin to your portfolios can decrease your overall portfolio volatility.
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