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Upturn AI Summary - About
Bank of Marin Bancorp(BMRC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BMRC
11/06/2026: BMRC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Bank of Marin Bancorp is a established regional bank holding company centered in Northern California, known for its relationship-focused approach to commercial and retail banking. Its main strengths include a disciplined credit culture and deep local market expertise, which support stable financial performance. The primary growth opportunity lies in leveraging its regional presence to capture share among small-to-mid-sized businesses and expanding its digital service capabilities. Investors should be aware of risks including geographic concentration, intense competition from larger financial institutions, and sensitivity to interest rate cycles. The stock may suit dividend-focused and value-oriented investors who value steady income and regional exposure.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature regional bank with steady rather than explosive growth potential. |
| Momentum investor | Weak fit | Bank stocks are generally driven by interest rate cycles and macro factors rather than high-velocity price momentum. |
| Value investor | Strong fit | Regional banks are often evaluated based on price-to-book and price-to-earnings metrics, which can appeal to value-oriented investors. |
| Dividend investor | Strong fit | The company provides a reliable dividend history, making it attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, regional banking carries sector-specific risks related to interest rates and credit cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on broader interest rate changes and economic outlooks. |
| Valuation risk | Medium | Changes in interest rate environments can lead to repricing of bank stocks. |
| Competition risk (banking) | Medium / high | Intense competition from larger banks and digital fintechs pressures margins. |
| Business quality | Medium | The bank has a solid reputation but remains susceptible to regional economic cycles. |
| Dividend income | Low | The dividend is generally considered stable but is subject to board approval and financial performance. |
| Execution risk | Medium | Integration of acquisitions and digital transformation are key to maintaining long-term competitiveness. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -3.81% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 461.67M USD | Price to earnings Ratio - | 1Y Target Price 32.2 |
Price to earnings Ratio - | 1Y Target Price 32.2 | ||
Volume (30-day avg) 122.0K shares | Beta 0.79 | 52 Weeks Range 22.73 - 30.39 | Updated Date 11/08/2026 |
52 Weeks Range 22.73 - 30.39 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 3.50% | Basic EPS (TTM) -0.75 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the primary way the bank makes money: by lending money at a higher rate than it pays out to depositors. |
| Non-Interest Income | Service fees, wealth management fees, and other banking transaction charges. | This represents diversification away from interest rates through fee-based services and trust management. |
| Geography (Northern California) | Operations concentrated in the SF Bay Area and Sacramento regions. | The bank is heavily exposed to the local economy of Northern California, making it sensitive to regional economic trends. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-26 | When Before Market | Estimate 0.57 | Actual 0.62 |
Profitability
Profit Margin -18.3% | Operating Margin (TTM) 41.79% |
Management Effectiveness
Return on Assets (TTM) -0.31% | Return on Equity (TTM) -2.88% |
Valuation
Trailing PE - | Forward PE 11.78 | Enterprise Value 259.96M | Price to Sales(TTM) 7.13 |
Enterprise Value 259.96M | Price to Sales(TTM) 7.13 | ||
Enterprise Value to Revenue 8.07 | Enterprise Value to EBITDA - | Shares Outstanding 16.23M | Shares Floating 15.25M |
Shares Outstanding 16.23M | Shares Floating 15.25M | ||
Percent Insiders 4.55 | Percent Institutions 68.16 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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