BMRC · Bank of Marin Bancorp
$26.95
-0.18 (-0.66%)
At close · Aug 20
Market Cap
$436.44M
Shares
16.19M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$26.95
Open$27.00
Day$26.79–27.16
52W close$22.70–30.30
Avg vol 30d154K
Short int842K · 5.2% float · 5.3d
Short vol13%
Last earningsJul 27, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 26, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+1%
above
Price vs 50-day avg
−4%
below
RSI (14)
36
neutral
MACD trend
Negative
52-week position
56%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−5%
trailing
6-month return
+8%
trailing
YTD return
+4%
this year
Relative strength
−3%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $28 › 200d $27 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +18 funds added
Insider flow
Accumulating
Net +$5.1K over 90 days · 0% sells
Short interest
Rising
5.20% of float · ▲ +0.3% MoM · 5.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
141 holders — near 3-yr high, broad support
Squeeze score
67
elevated · 0–100
Fundamentals
EPS growth
−331%
Y/Y
Free cash flow
$37.3M
Buyback
$23.9M
remaining
Quant / Vol
risk profile
Volatility
28%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2024
Lease expense savings from office consolidation
· per year
$800,000
Loans repricing (run rate)
· per year
17% – 18%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+1%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
36
Neutral
MACD trend
Negative
Bearish
52-week position
56%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $28 › 200d $27 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +18 funds added
Insider flow
Accumulating
Net +$5.1K over 90 days · 0% sells
Short interest
Rising
5.20% of float · ▲ +0.3% MoM · 5.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
141 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $23
Now $27 · 56%
Range high $30
vs 200-day avg +1%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Accruing loans past due 30 to 89 days | $2M | Q2 2026 | — |
| AFS Securities Effective Duration | 2.91 | As of 6/30/26 | — |
| AFS Securities Portfolio | $1.24B | As of 6/30/26 | — |
| AFS Securities Tax Equivalent Yield | 4.07% | As of 6/30/26 | — |
| Allowance for credit losses to total loans | 1.07% | Q2 2026 | — |
| Available liquidity | $2.2B | As of 6/30/26 | — |
| Average cost of interest bearing deposits | 2.04% | Q2 2026 | — |
| Average weighted cost for new interest bearing accounts (new funds) | 1.48% | 2Q'26 | — |
| Average weighted cost for new interest bearing accounts (new relationships) | 1.98% | 2Q'26 | — |
| Bancorp's tangible common equity to tangible assets ("TCE ratio") | 8.52% | Q2 2026 | — |
|
|
|||
| Book value per share | $24.51 | Q2 2026 | — |
| Branch Locations | 27 | As of 6/30/26 | — |
| Business # of Accounts | 14,722 | 2Q'26 | — |
| Classified loans | $19.9M | Q2 2026 | — |
|
|
|||
| Classified loans ratio | 0.95% | 2Q'26 | — |
|
|
|||
| Commercial Banking Offices | 8 | As of 6/30/26 | — |
| Comparable diluted earnings per share non-GAAP | $0.58 | Q2 2026 | — |
|
|
|||
| Comparable efficiency ratio non-GAAP | 63.62% | Q2 2026 | — |
|
|
|||
| Comparable net income non-GAAP | 9.25M | Q2 2026 | — |
|
|
|||
| Comparable pre-tax, pre-provision net income non-GAAP | 12.35M | Q2 2026 | — |
|
|
|||
| Comparable return on average assets non-GAAP | 0.96% | Q2 2026 | — |
|
|
|||
| Comparable return on average equity non-GAAP | 9.38% | Q2 2026 | — |
|
|
|||
| Comparable return on average tangible common equity non-GAAP | 11.56% | Q2 2026 | — |
| Consumer # of Accounts | 30,742 | 2Q'26 | — |
| Cost of deposits | 1.28% | Three months ended June 30, 2026 | — |
| Cycle-to-date non-maturity interest-bearing deposit beta | 28% | 2Q'26 | — |
| Est. Uninsured and/or Uncollateralized Deposits | $1.02B | as of June 30, 2026 | — |
| Full-time equivalent employees | 315 | June 30, 2026 | — |
| Funded loans | $62.8M | Q2 2026 | — |
| Gross loans ending balance | $2.1B | Q2 2026 | — |
| Immediately available net funding | $2.2B | As of 6/30/26 | — |
| Loan fundings | $62.8M | 2Q'26 | — |
| Loan-to-deposit ratio | 62.35% | As of 6/30/26 | — |
| Loans | $2.1B | Q2 2026 | — |
| Loans designated as special mention | $100.9M | Q2 2026 | — |
| Market Cap | $448.4M | As of 6/30/26 | — |
| Net charge-offs | 39K | Q2 2026 | — |
| Net interest income simulation Up 400bp Year 1 | 0.5% | 2Q'26 | — |
| Net interest margin | 3.38% | Q2 2026 | — |
|
|
|||
| New accounts new relationships by count | 41% | 2Q'26 | — |
| New accounts non-interest bearing by count | 66% | 2Q'26 | — |
| New total commitments1 | $98.4M | Q2 2026 | — |
| Newly funded | $62.8M | Q2 2026 | — |
| Newly originated loans | $98M | Q2 2026 | — |
| Non-accrual loans | $8.5M | Q2 2026 | — |
|
|
|||
| Non-accrual loans / total loans | 0.4% | 2Q'26 | — |
| Non-interest bearing deposits as a percentage of total deposits | 36.7% | Q2 2026 | — |
|
|
|||
| Reciprocal deposit network program utilization change | $97.6M | 2Q'26 QoQ | — |
| Reversal of provision for credit losses | $0.3M | Q2 2026 | — |
| special mention loans | $100.9M | Q2 2026 | — |
| Tangible book value per share | $19.92 | Q2 2026 | — |
| Tax-equivalent net interest margin | 3.38% | Q2 2026 | — |
|
|
|||
| Tier I leverage ratio | 8.66% | Q2 2026 | — |
| Total deposits | $3.37B | Q2 2026 | — |
| Total Liquidity Net Availability | $2.18B | as of June 30, 2026 | — |
| Total risk-based capital | 15.58% | Q2 2026 | — |
| Total risk-based capital ratio (Bank) | 14.61% | As of 6/30/26 | — |
| Weighted average rate on new loans | 6.53% | Q2 2026 | — |
| Allowance for credit losses | 1.08% | first quarter 2026 | — |
| Classified to total loans ratio | 0.85% | first quarter 2026 | — |
| Allowance for credit losses ratio | 1.42% | Q4 FY2025 | — |
| Average cost of deposits | 1.19% | Q4 FY2025 | — |
| Average cost of interest-bearing deposits | 2.12% | Q4 FY2025 | — |
| Newly funded loans | 273.5M | Year ended December 31, 2025 | — |
| Tangible common equity to tangible assets ratio (Bank) | 8.59% | Q4 FY2025 | — |
| Total risk-based capital ratio (Bancorp) | 15.25% | Q4 FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BMRC
this stock
Bank of Marin Bancorp
|
$436.44M | +3.6% | — | — | 5.2% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BMRC | -5.5% | -4.7% | +8.3% | -7.6% | +3.6% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -3.5% | -8.1% | -2.9% | -9.7% | -8.2% |
Capital returns
Latest dividend
$0.25
/ share · ex Aug 6, 2026
Paid (TTM)
$1.00
/ share · 4 payouts
Dividend yield (TTM, derived)
3.71%
Buyback program
· as of Jun 30, 2026
Authorized
$25.00M
Spent (derived)
$1.10M
Remaining
$23.90M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1403475
CUSIP
063425102
13F (30d)
127 filings
127 filers
Visit website
Investor relations