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Upturn AI SWOT - About
BMRC 
Bank of Marin Bancorp (BMRC)
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Upturn Advisory Summary
11/28/2025: BMRC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $29.2
1 Year Target Price $29.2
| 3 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.05% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 436.27M USD | Price to earnings Ratio 43.64 | 1Y Target Price 29.2 |
Price to earnings Ratio 43.64 | 1Y Target Price 29.2 | ||
Volume (30-day avg) 6 | Beta 0.84 | 52 Weeks Range 18.52 - 27.34 | Updated Date 11/30/2025 |
52 Weeks Range 18.52 - 27.34 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 3.70% | Basic EPS (TTM) 0.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.18% | Operating Margin (TTM) 33.43% |
Management Effectiveness
Return on Assets (TTM) 0.26% | Return on Equity (TTM) 2.24% |
Valuation
Trailing PE 43.64 | Forward PE 11.78 | Enterprise Value 231600640 | Price to Sales(TTM) 4.5 |
Enterprise Value 231600640 | Price to Sales(TTM) 4.5 | ||
Enterprise Value to Revenue 4.89 | Enterprise Value to EBITDA - | Shares Outstanding 16094686 | Shares Floating 14431804 |
Shares Outstanding 16094686 | Shares Floating 14431804 | ||
Percent Insiders 9.96 | Percent Institutions 65.5 |
Upturn AI SWOT
Bank of Marin Bancorp
Company Overview
History and Background
Bank of Marin Bancorp was founded in 1990 and is headquartered in Novato, California. It has grown organically and through acquisitions, focusing on serving businesses and individuals in the San Francisco Bay Area.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and term loans.
- Retail Banking: Provides deposit accounts, personal loans, and other banking services to individuals.
- Wealth Management: Offers trust and investment management services to individuals and families.
Leadership and Structure
The leadership team consists of Tim Myers (President & CEO), Tani Marinovich (Chief Financial Officer), and other experienced banking professionals. The organizational structure is typical of a community bank, with regional and departmental divisions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the purchase, refinance, or construction of commercial properties. Market share data is not readily available, but Bank of Marin competes with larger regional and national banks such as Wells Fargo and Bank of America, as well as other community banks. Revenue from this product line fluctuates depending on the interest rate environment.
- Commercial and Industrial (C&I) Loans: Loans to businesses for working capital, equipment, and other purposes. Market share data is not readily available, but Bank of Marin competes with other lenders in the Bay Area. Revenue from this product line fluctuates depending on the interest rate environment.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share data is not readily available, but Bank of Marin competes with other lenders in the Bay Area. Revenue from this product line fluctuates depending on the interest rate environment.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulation, and competition from fintech companies. Community banks are focusing on relationship banking and local expertise to differentiate themselves.
Positioning
Bank of Marin Bancorp is positioned as a community bank focused on serving businesses and individuals in the San Francisco Bay Area. Its competitive advantages include local expertise, strong relationships, and a focus on customer service.
Total Addressable Market (TAM)
The TAM for banking services in the San Francisco Bay Area is estimated to be in the billions of dollars. Bank of Marin is positioned to capture a portion of this market by focusing on its niche of serving businesses and individuals in the region.
Upturn SWOT Analysis
Strengths
- Strong presence in the San Francisco Bay Area
- Experienced management team
- Focus on relationship banking
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger competitors
- Reliance on interest income
- Higher operating costs than larger banks
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking
- Growth in wealth management services
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Increased regulation
- Competition from fintech companies
- Economic downturns
Competitors and Market Share
Key Competitors
- WFC
- BAC
- SFBC
Competitive Landscape
Bank of Marin's advantage is its local focus, while its disadvantages are its smaller size and limited resources compared to national banks. It needs to adapt to compete in the increasingly digital environment.
Growth Trajectory and Initiatives
Historical Growth: Discuss Bank of Marin Bancorp's growth trends over the past years. Data would be available through sec filings
Future Projections: Provide projections for Bank of Marin Bancorp's future growth based on analyst estimates. Analysts research reports would be the source for this.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Bank of Marin Bancorp. Press releases would be the source for this data.
Summary
Bank of Marin is a community-focused bank with a solid presence in the Bay Area. Its strengths lie in relationship banking and local expertise. Challenges include competition from larger banks and fintech companies, as well as adapting to rising interest rates and regulations. Maintaining asset quality and strategic acquisitions will be crucial for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- Industry Publications
Disclaimers:
The data and analysis provided are based on publicly available information and are for informational purposes only. It should not be considered financial advice. Market share data is estimated and may not be precise. The AI-based rating is subjective and should be used in conjunction with your own research and judgment.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank of Marin Bancorp
Exchange NASDAQ | Headquaters Novato, CA, United States | ||
IPO Launch date 1999-12-23 | President, CEO & Director Mr. Timothy D. Myers | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 304 | Website https://www.bankofmarin.com |
Full time employees 304 | Website https://www.bankofmarin.com | ||
Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company 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. It also provides commercial real estate, commercial and industrial, small business, and consumer loans, as well as construction financing and home equity lines of credit. In addition, the company offers merchant and payroll services; commercial equipment leasing program; payment solutions; treasury management services; credit cards; automated teller machines; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, it provides wealth management and trust services comprising customized investment portfolio management, trust administration, estate settlement, and custody services; international banking; and telephone and digital banking services. Bank of Marin Bancorp was founded in 1989 and is headquartered in Novato, California.
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