US · BMRC
Bank of Marin Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Novato, CA 94947
- Website
- bankofmarin.com
Price · as of 2024-12-31
$25.87
Market cap 400.6M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $20.82 | -19.52% |
| Intrinsic Value(DCF) | $66.91 | +158.64% |
| Graham-Dodd Method(GD) | $4.84 | -81.29% |
| Graham Formula(GF) | $4.66 | -81.98% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $12.28 | $47.29 | $12.09 | $13.52 | $14.23 |
| 2011 | $12.96 | $63.24 | $12.09 | $15.23 | $29.90 |
| 2012 | $13.89 | $53.27 | $15.47 | $17.28 | $8.14 |
| 2013 | $15.67 | $48.07 | $20.85 | $17.07 | $3.38 |
| 2014 | $18.36 | $58.38 | $18.78 | $18.79 | $44.45 |
| 2015 | $18.39 | $43.50 | $20.69 | $18.39 | $6.65 |
| 2016 | $25.94 | $57.36 | $28.25 | $20.29 | $29.33 |
| 2017 | $27.54 | $36.38 | $34.29 | $19.64 | $10.97 |
| 2018 | $32.86 | $56.67 | $34.21 | $22.83 | $73.15 |
| 2019 | $28.43 | $38.97 | $35.31 | $23.02 | $30.06 |
| 2020 | $33.79 | $32.79 | $37.97 | $21.57 | $15.61 |
| 2021 | $29.61 | $25.77 | $66.75 | $24.21 | $39.67 |
| 2022 | $22.67 | $43.24 | $27.88 | $21.18 | $76.41 |
| 2023 | $15.51 | $35.46 | $23.71 | $14.00 | $11.05 |
| 2024 | $22.34 | $20.82 | $22.25 | $4.84 | $4.66 |
AI valuation
Our deep-learning model estimates Bank of Marin Bancorp's (BMRC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $20.82
- Current price
- $25.87
- AI upside
- -19.52%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$66.91
+158.64% upside
Graham-Dodd
$4.84
-81.29% upside
Graham Formula
$4.66
-81.98% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BMRC | Bank of Marin Bancorp | $25.87 | 400.6M | -20% | +159% | -81% | -82% | -42.61 | 0.82 | 3.08 | -9.39 | — | 1.00 | 55.38% | -11.89% | -7.23% | -1.92% | -2.52% | -0.22% | 0.05 | -0.30 | 0.08 | 0.08 | 10.15 | -14194.00% | -1786.00% | -1789.00% | 7.77% | 0.01 | 8.34% | 4.52% | -192.60% | 50.49% | -7.73 | 3.84 | 0.92 | -0.78 |
| BSRR | Sierra Bancorp | $35.98 | 485.1M | +97% | -16% | +13% | +18% | 11.52 | 1.34 | 2.41 | -0.80 | 112.06 | 1.45 | 73.86% | 27.92% | 20.96% | 11.72% | -28.91% | 1.14% | 1.42 | 1.21 | 0.57 | 0.57 | 6.80 | 1028.00% | 567.00% | -3981.00% | 6.91% | 0.02 | -23.00% | 0.00% | 0.00% | 0.00% | -0.80 | -1.33 | -0.22 | -0.07 |
| CIVB | Civista Bancshares, Inc. | $23.81 | 459.84M | +112% | +7% | +51% | +47% | 8.92 | 0.76 | 1.62 | -1.19 | 28.45 | 1.03 | 66.35% | 21.66% | 18.13% | 9.92% | 16.07% | 1.10% | 0.52 | 0.67 | — | — | 3.75 | 3134.00% | 540.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 43.53% | -1.19 | — | -0.26 | 0.45 |
| COFS | ChoiceOne Financial Servi… | $28.62 | 429.98M | +208% | +2,084% | +19% | +218% | 14.56 | 0.88 | 2.13 | 2.37 | — | 1.35 | 58.16% | 17.72% | 14.61% | 7.76% | 176.97% | 0.79% | 0.67 | 0.52 | 0.71 | 0.71 | 6.59 | -3815.00% | 3867.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.37 | — | 0.42 | 0.09 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FBIZ | First Business Financial … | $54.65 | 454.98M | +15% | +74% | +37% | +61% | 8.90 | 1.21 | 1.60 | 10.93 | 53.84 | 1.25 | 57.29% | 21.65% | 18.02% | 14.37% | 13.57% | 1.27% | 0.68 | 0.55 | 0.31 | 26.62 | 3.52 | 1654.00% | 643.00% | 669.00% | 13.64% | 0.49 | 16.48% | 0.00% | 0.00% | 0.00% | 10.93 | 10.81 | 2.37 | 0.27 |
| FFWM | First Foundation Inc. | $5.87 | 486.53M | +611% | -5% | -72% | — | -3.17 | 0.54 | 0.84 | 27.40 | -9.51 | 0.54 | 28.97% | -12.16% | -26.37% | -15.78% | 11.76% | -1.26% | 1.76 | -0.20 | 1.41 | 1.39 | 0.29 | 3333.00% | 2218.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 122.73% | 27.40 | — | -3.33 | 0.17 |
| HBCP | Home Bancorp, Inc. | $59.10 | 462.64M | -38% | -25% | -21% | +50% | 9.74 | 0.90 | 1.78 | 9.78 | — | 1.14 | 66.38% | 22.66% | 18.27% | 9.54% | 6.97% | 1.08% | 0.59 | 0.70 | 0.04 | 0.04 | 2.81 | -842.00% | 1183.00% | 1358.00% | 12.59% | 0.02 | 8.55% | 2.31% | 22.50% | 14.80% | 10.53 | 10.65 | 2.39 | -0.70 |
| KRNY | Kearny Financial Corp. | $7.65 | 481.05M | +555% | -29% | -27% | -30% | 15.36 | 0.54 | 1.17 | 13.29 | — | 0.63 | 44.14% | 9.02% | 7.59% | 3.48% | 2.55% | 0.34% | 1.68 | 0.16 | 1.20 | 1.20 | 30.36 | -13022.00% | 509.00% | -4982.00% | 5.34% | 0.00 | 2.09% | 6.90% | 106.00% | 120.99% | 15.38 | 22.30 | 1.39 | 0.33 |
| NFBK | Northfield Bancorp, Inc. | $13.34 | 557.13M | +208% | -6% | +30% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
About Bank of Marin Bancorp
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. It offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry and insured cash sweep services. The company also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, it offers merchant and payroll, and cash management services; credit cards; fraud detection tools; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, the company provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. It operates through 12 branch offices in Marin, southern Sonoma counties, and north of San Francisco, California; and a loan production office in San Francisco. The company was incorporated in 1989 and is headquartered in Novato, California.
- CEO
- Timothy D. Myers
- Employees
- 291
- Beta
- 0.87
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($66.91 ÷ $25.87) − 1 = +158.64% (DCF, example).