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Upturn AI SWOT - About
BMRC 
Bank of Marin Bancorp (BMRC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: BMRC (1-star) is currently NOT-A-BUY. Pass it for now.
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 $27
1 Year Target Price $27
| 3 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.31% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 394.75M USD | Price to earnings Ratio 56.93 | 1Y Target Price 27 |
Price to earnings Ratio 56.93 | 1Y Target Price 27 | ||
Volume (30-day avg) 6 | Beta 0.87 | 52 Weeks Range 18.31 - 26.23 | Updated Date 08/29/2025 |
52 Weeks Range 18.31 - 26.23 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 4.07% | Basic EPS (TTM) 0.43 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.4% | Operating Margin (TTM) -101.47% |
Management Effectiveness
Return on Assets (TTM) 0.19% | Return on Equity (TTM) 1.58% |
Valuation
Trailing PE 56.93 | Forward PE 11.78 | Enterprise Value 182925840 | Price to Sales(TTM) 4.23 |
Enterprise Value 182925840 | Price to Sales(TTM) 4.23 | ||
Enterprise Value to Revenue 4.64 | Enterprise Value to EBITDA - | Shares Outstanding 16125300 | Shares Floating 14462552 |
Shares Outstanding 16125300 | Shares Floating 14462552 | ||
Percent Insiders 9.94 | Percent Institutions 63.22 |
Upturn AI SWOT
Bank of Marin Bancorp
Company Overview
History and Background
Bank of Marin Bancorp was founded in 1990 in Novato, California. It has grown through organic expansion and strategic acquisitions, focusing on serving businesses and individuals in the San Francisco Bay Area.
Core Business Areas
- Commercial Banking: Provides a range of banking services to businesses, including loans, deposit accounts, and cash management services.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Provides investment management and trust services.
Leadership and Structure
The leadership team includes Tim Myers (President & CEO) and Tani Girton (EVP, CFO). The organizational structure is typical of a community bank holding company, with various departments overseeing lending, operations, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for commercial properties. Market share is difficult to pinpoint exactly for this specific segment, but Bank of Marin is a significant player in the North Bay region. Competitors include regional and national banks like Wells Fargo (WFC), U.S. Bank (USB), and other local community banks.
- Small Business Loans (SBA): Loans guaranteed by the Small Business Administration. Market share data is fragmented but Bank of Marin is an active SBA lender. Competitors include national SBA lenders like Live Oak Bancshares (LOB), as well as regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and consumers. Deposit market share is concentrated locally; Bank of Marin competes with both national and local banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing regulation, technological advancements, and changing customer preferences. Community banks face competition from larger national banks, credit unions, and fintech companies.
Positioning
Bank of Marin positions itself as a relationship-focused community bank, emphasizing personalized service and local expertise. Its competitive advantages include its strong brand reputation in the North Bay, its focus on commercial lending, and its experienced management team.
Total Addressable Market (TAM)
The TAM includes all businesses and individuals in the San Francisco Bay Area seeking banking services. It's estimated in the hundreds of billions. Bank of Marin is well positioned within its target market, which is more localized than the entire bay area.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in the North Bay
- Experienced management team
- Focus on commercial lending
- Strong capital base
- Excellent customer service
Weaknesses
- Limited geographic diversification
- Reliance on commercial lending
- Smaller scale compared to larger banks
- Lack of cutting-edge technology compared to larger institutions
- Higher expense ratio compared to larger banks
Opportunities
- Expansion into new markets within the Bay Area
- Increased adoption of digital banking technologies
- Growing demand for commercial real estate loans
- Strategic acquisitions of other community banks
- Increased wealth management services for high net worth individuals
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn
- Increased regulation
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- USB
- SFBK
- CMA
- BMRC
Competitive Landscape
Bank of Marin's advantages include its local focus and strong customer relationships. Disadvantages are its smaller size and limited geographic reach compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady but not explosive, driven primarily by organic loan growth and strategic acquisitions.
Future Projections: Analyst estimates depend on macroeconomic factors, interest rate predictions, and potential acquisitions. The future is expected to continue steadily.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion into new markets within the Bay Area.
Summary
Bank of Marin Bancorp is a strong community bank with a solid reputation in the San Francisco Bay Area. Its focus on commercial lending and local expertise are advantages. However, it faces challenges from larger competitors and economic fluctuations, and must continually adapt to changing technology and consumer expectations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and estimates are subject to change.
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 302 | Website https://www.bankofmarin.com |
Full time employees 302 | 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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