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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
09/17/2025: 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 $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 6.05% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 392.81M USD | Price to earnings Ratio 56.65 | 1Y Target Price 27 |
Price to earnings Ratio 56.65 | 1Y Target Price 27 | ||
Volume (30-day avg) 6 | Beta 0.89 | 52 Weeks Range 18.31 - 26.23 | Updated Date 09/17/2025 |
52 Weeks Range 18.31 - 26.23 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 4.10% | 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 56.65 | Forward PE 11.78 | Enterprise Value 181008960 | Price to Sales(TTM) 4.21 |
Enterprise Value 181008960 | Price to Sales(TTM) 4.21 | ||
Enterprise Value to Revenue 4.62 | Enterprise Value to EBITDA - | Shares Outstanding 16125300 | Shares Floating 14462552 |
Shares Outstanding 16125300 | Shares Floating 14462552 | ||
Percent Insiders 9.94 | Percent Institutions 63.34 |
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 organically and through acquisitions, focusing on serving businesses and individuals in the San Francisco Bay Area.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, personal loans, and other banking services to individual customers.
- Wealth Management: Provides investment management and financial planning services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is typical for a regional bank, with departments for lending, operations, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, providing financing for construction, acquisition, and refinancing. Market share data is difficult to pinpoint precisely, but they compete with larger national banks and regional players like WFC and USB.
- Small Business Loans: Loans to small businesses for various purposes, including working capital, equipment purchases, and expansion. Competition includes larger banks and online lenders like Kabbage.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Competition from online banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition from fintech companies and rising interest rates. Regulatory compliance and cybersecurity are also major concerns.
Positioning
Bank of Marin Bancorp positions itself as a relationship-focused community bank that provides personalized service to its customers. Their competitive advantage is local knowledge and responsiveness.
Total Addressable Market (TAM)
The TAM for community banking in the Bay Area is estimated to be in the billions of dollars. Bank of Marin Bancorp is positioned to capture a portion of this market through its local focus and strong customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence in the San Francisco Bay Area
- Experienced management team
- Solid credit quality
- Strong customer relationships
- Well Capitalized
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on net interest income
- Potential concentration risk in commercial real estate lending
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Acquisition opportunities
- Benefit from the decline of larger banks
Threats
- Competition from larger national and regional banks
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- USB
- FFWM
- CBOA
Competitive Landscape
Bank of Marin Bancorp's advantages include its local focus and strong customer relationships. Disadvantages include its smaller size and limited geographic diversification.
Major Acquisitions
American River Bankshares
- Year: 2021
- Acquisition Price (USD millions): 134.3
- Strategic Rationale: Expanded Bank of Marin's presence in the Sacramento region.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady, driven by organic loan and deposit growth and strategic acquisitions.
Future Projections: Future projections are reliant on analyst forecasts. Requires access to current data.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Bank of Marin Bancorp is a solid regional bank with a strong presence in the Bay Area. It benefits from strong customer relationships and solid credit quality. Key challenges include competition from larger banks and potential economic downturns. Strategic initiatives focus on digital banking and targeted growth opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports (historical)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is approximate.
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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