Bank of Marin Bancorp

BMRC

BMRCBank of Marin Bancorp US flag

NASDAQ Capital Market

25.75

USD

+0.33

- -

416.88MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	70	70	67	79	76	82	83	102	105	105	115	138	105	70	29
+ Sales & Services Revenue	70	70	67	79	76	82	83	102	105	105	115	138	105	70	29
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	22	23	23	27	28	29	32	35	36	36	45	45	48	49	51
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-22	-23	-23	-27	-28	-29	-32	-35	-36	-36	-45	-45	-48	-49	-51
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-25	-29	-22	-31	-29	-36	-29	-43	-46	-41	-45	-64	-26	14	52
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-25	-29	-22	-31	-29	-36	-29	-43	-46	-41	-45	-64	-26	14	52
Pretax Income	25	29	22	31	29	36	29	43	46	41	45	64	26	-14	-52
- Income Tax Expense (Benefit)	9	11	8	12	10	13	13	11	12	10	12	17	6	-5	-17
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	16	18	14	20	18	23	16	33	34	30	33	47	20	-8	-36
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	16	18	14	20	18	23	16	33	34	30	33	47	20	-8	-36
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	16	18	14	20	18	23	16	33	34	30	33	47	20	-8	-36
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	16	18	14	20	18	23	16	33	34	30	33	47	20	-8	-36
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	2	1	1	2	3	2	2	3	3	3	3	3	3	2	2
EBITDA Margin (%)	2.88	1.93	2.19	2.96	3.39	2.86	2.97	3.01	2.97	2.85	2.5	2.41	3.28	3.5	7.4
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	22.21	25.34	21.35	24.87	24.14	28.1	19.22	32.08	32.68	28.74	28.88	33.72	18.95	-12.05	-123.4
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.33	0.35	0.36	0.4	0.45	0.51	0.56	0.64	0.8	0.92	0.91	0.98	1.01	1.01	1.01
Depreciation Expense	2	1	1	2	3	2	2	3	3	3	3	3	3	2	2
Basic Weighted Avg Shares	11	11	11	12	12	12	12	14	14	14	14	16	16	16	16
Basic EPS, GAAP	1.47	1.67	1.31	1.68	1.55	1.9	1.29	2.35	2.51	2.24	2.32	2.93	1.24	-0.52	-2.24
Basic EPS from Cont Ops	1.47	1.67	1.31	1.68	1.55	1.9	1.29	2.35	2.51	2.24	2.32	2.93	1.24	-0.52	-2.24
Diluted Weighted Avg Shares	11	11	11	12	12	12	13	14	14	14	14	16	16	16	16
Diluted EPS, GAAP	1.45	1.64	1.28	1.65	1.52	1.89	1.27	2.33	2.48	2.22	2.3	2.92	1.24	-0.52	-2.24
Diluted EPS from Cont Ops	1.45	1.64	1.28	1.65	1.52	1.89	1.27	2.33	2.48	2.22	2.3	2.92	1.24	-0.52	-2.24

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	265	182	348	242	444	82	538	503	617	593	1,515	47	31	273	247
+ Cash & Cash Equivalents	130	28	104	41	26	49	204	34	183	200	348	45	30	137	225
+ ST Investments	135	154	244	201	418	34	335	469	434	393	1,168	1	- -	136	22
+ Accounts & Notes Receiv	43	43	60	60	62	69	73	76	76	36	51	80	- -	- -	- -
+ Accounts Receivable, Net	43	43	60	60	62	69	73	76	76	36	51	80	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-308	-226	-408	-302	-506	-151	-611	-579	-693	-629	-1,567	-126	-31	-273	-247
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	9	9	9	10	9	9	9	7	17	31	31	33	28	26	31
+ Property, Plant & Equip	21	20	21	23	24	25	26	26	37	51	53	57	51	49	54
- Accumulated Depreciation	12	10	11	13	14	16	17	18	20	21	22	24	23	24	23
+ LT Investments & Receivables	195	293	366	317	487	417	483	620	570	501	1,510	1,774	1,477	1,267	1,328
+ LT Investments	195	293	366	317	487	417	483	620	570	501	1,510	1,774	1,477	1,267	1,328
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-204	-303	-376	-327	-497	-426	-492	-627	-587	-532	-1,541	-1,807	-1,505	-1,293	-1,358
+ Total Intangible Assets	- -	- -	11	10	10	9	37	36	35	34	79	78	77	76	75
+ Goodwill	- -	- -	6	6	6	6	30	30	30	30	73	73	73	73	73
+ Other Intangible Assets	- -	- -	5	4	3	3	6	6	5	4	7	5	4	3	2
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-204	-303	-387	-337	-506	-435	-529	-663	-622	-566	-1,620	-1,885	-1,582	-1,368	-1,433
Total Assets	1,393	1,435	1,805	1,787	2,031	2,023	2,468	2,521	2,707	2,912	4,314	4,147	3,804	3,701	3,905
+ Payables & Accruals	15	15	17	15	16	15	17	20	18	20	29	23	- -	- -	- -
+ Accounts Payable	15	15	17	15	16	15	17	20	18	20	29	23	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	112	26	- -	1
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	112	26	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1
+ Other ST Liabilities	-15	-15	-17	-15	-16	-15	-17	-20	-18	-20	-30	-135	-26	- -	-1
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-15	-15	-17	-15	-16	-15	-17	-20	-18	-20	-30	-135	-26	- -	-1
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	40	15	20	20	72	6	6	10	16	30	25	27	23	22	69
+ LT Borrowings	40	15	20	20	72	6	6	10	3	3	- -	112	26	- -	44
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	13	27	25	27	23	22	25
+ Other LT Liabilities	-40	-15	-20	-20	-72	-6	-6	-10	-16	-30	-25	-27	-23	-22	-69
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-40	-15	-20	-20	-72	-6	-6	-10	-16	-30	-25	-27	-23	-22	-69
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,258	1,283	1,624	1,587	1,817	1,793	2,171	2,204	2,370	2,554	3,864	3,735	3,365	3,266	3,510
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	114	59	80	82	85	87	144	141	129	126	213	215	217	216	215
+ Common Stock	57	59	80	82	85	87	144	141	129	126	213	215	217	216	215
+ Additional Paid in Capital	57	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	77	91	101	117	130	146	156	180	203	220	240	271	275	250	198
+ Other Equity	2	2	-1	1	- -	-3	-2	-4	5	13	-2	-74	-53	-30	-18
Equity Before Minority Interest	136	152	181	200	214	231	297	316	337	358	450	412	439	435	395
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	136	152	181	200	214	231	297	316	337	358	450	412	439	435	395
Total Liabilities & Equity	1,393	1,435	1,805	1,787	2,031	2,023	2,468	2,521	2,707	2,912	4,314	4,147	3,804	3,701	3,905
Shares Outstanding	11	11	12	12	12	12	14	14	14	14	16	16	16	16	16
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	13	27	26	27	23	22	25
Net Debt	-90	-13	-84	-21	46	-43	-198	-25	-180	-198	-348	179	22	-137	-181
Net Debt to Equity	-66.21	-8.79	-46.33	-10.59	21.47	-18.74	-66.6	-7.77	-53.59	-55.14	-77.19	43.33	4.91	-31.53	-45.98
Tangible Common Equity Ratio	9.73	10.58	9.47	10.68	10.14	11	10.71	11.29	11.3	11.27	8.76	8.21	9.73	9.93	8.35
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	16	18	14	20	18	23	16	33	34	30	33	47	20	-8	-36
+ Depreciation & Amortization	2	1	1	2	3	2	2	3	3	3	3	3	3	2	2
+ Non-Cash Items	3	2	1	-1	1	- -	8	4	4	13	1	8	14	41	89
+ Stock-Based Compensation	1	1	1	1	1	1	3	3	3	2	2	2	2	2	2
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	3	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	2	1	- -	-1	- -	-1	2	2	1	11	-1	5	12	39	87
+ Chg in Non-Cash Work Cap	2	- -	5	-3	1	- -	1	2	- -	-6	8	-2	-2	-7	-17
+ (Inc) Dec in Accts Receiv	- -	- -	-1	- -	- -	1	- -	1	- -	-5	6	2	-4	-7	-17
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	1	- -	1	1	- -	-1	2	-5	2	- -	1
+ Inc (Dec) in Other	3	- -	6	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	22	21	21	19	24	25	27	42	41	41	45	55	36	28	39
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-1	-1	-2	-1	-1	-1	-1	-1	-1	-1	-2	-2	-1	-2
+ Acq of Fixed Prod Assets	-2	-1	-1	-2	-1	-1	-1	-1	-1	-1	-1	-2	-2	-1	-2
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	-7	-15	-7	-41	-1	- -	-4	-3
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	-7	-15	-7	-41	-1	- -	-4	-3
+ Net Change in LT Investment	-49	-100	-27	49	-175	61	6	-140	60	78	-738	-375	315	207	-133
+ Dec in LT Investment	70	61	59	68	115	225	130	98	175	177	188	188	315	370	935
+ Inc in LT Investment	-119	-161	-86	-19	-290	-164	-124	-238	-115	-99	-926	-563	- -	-164	-1,069
+ Net Cash From Acq & Div	44	- -	16	- -	- -	- -	60	- -	- -	- -	141	- -	- -	- -	- -
+ Cash from Divestitures	44	- -	16	- -	- -	- -	60	- -	- -	- -	141	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-27	-43	-25	-89	-87	-36	-57	-85	-80	-250	257	160	21	-11	-37
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-35	-145	-37	-43	-263	24	8	-225	-21	-173	-341	-218	335	195	-172
+ Dividends Paid	-3	-4	-4	-5	-5	-6	-7	-9	-11	-13	-13	-16	-16	-16	-16
+ Net Cash From Debt	-34	-25	- -	- -	52	-67	- -	3	-7	- -	-4	112	- -	- -	45
+ Cash From Debt	- -	- -	- -	- -	52	- -	- -	7	- -	- -	- -	112	- -	- -	45
+ Repayments of Debt	-34	-25	- -	- -	- -	-67	- -	-4	-7	- -	-4	- -	- -	- -	- -
+ Other Financing Activities	94	51	95	-34	178	46	127	27	162	169	501	-234	-369	-96	196
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	57	23	91	-39	225	-27	120	14	129	150	443	-139	-385	-117	221
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	45	-101	75	-62	-15	22	155	-169	149	17	147	-302	-15	107	88
EBITDA	2	1	1	2	3	2	2	3	3	3	3	3	3	2	2
EBITDA Margin (%)	2.88	1.93	2.19	2.96	3.39	2.86	2.97	3.01	2.97	2.85	2.5	2.41	3.28	3.5	7.4
Free Cash Flow	20	20	20	17	22	24	26	41	40	40	44	53	34	28	37
Net Cash Paid for Acquisitions	-44	- -	-16	- -	- -	- -	-60	- -	- -	- -	-141	- -	- -	- -	- -
Free Cash Flow to Firm	20	20	20	17	22	24	26	41	40	40	44	53	34	- -	- -
Free Cash Flow to Equity	-14	-5	20	17	74	-43	26	44	33	40	40	165	34	28	82
Free Cash Flow per Basic Share	1.88	1.83	1.85	1.4	1.87	2.01	2.06	2.97	2.97	2.95	3.08	3.33	2.12	1.74	2.34
Price/Free Cash Flow	8.15	9.25	10.89	14.91	12.9	16.11	15.03	13.45	14.98	11.18	11.6	9.12	9.43	13.2	10.14
Cash Flow to Net Income	1.44	1.17	1.49	0.95	1.28	1.1	1.69	1.29	1.2	1.35	1.36	1.19	1.79	-3.37	-1.1
Capital Expenditures	-2	-1	-1	-2	-1	-1	-1	-1	-1	-1	-1	-2	-2	-1	-2