Bank of Marin Bancorp Financial Ratios — 4V6 Stock

Profitability (USD)

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	12.09	12.4	8.58	10.38	8.9	10.4	6.06	10.64	10.48	8.7	8.22	10.8	4.67	-1.92	-8.6
Return on Assets (%)	1.2	1.26	0.88	1.1	0.97	1.14	0.71	1.31	1.31	1.08	0.92	1.1	0.5	-0.22	-0.94
Return on Capital (%)	8.71	10.41	7.76	9.39	7.27	8.85	5.93	10.38	10.1	8.17	7.69	9.07	3.83	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.32	40.84	33.23	39.59	37.88	44.31	34.69	42.7	43.81	38.58	39.01	45.97	24.8	-19.83	-181.53
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
Net Income to Common 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
Effective Tax Rate (%)	37.13	37.94	35.75	37.17	36.26	36.58	44.6	24.86	25.39	25.49	25.97	26.65	23.59	- -	- -
Dvd Payout Ratio (%)	22.21	21.05	27.82	23.94	29.23	26.9	43.16	27.16	32	41.35	39.45	33.64	80.96	-192.62	-45.2
Sustainable Growth Rate (%)	9.4	9.79	6.19	7.9	6.3	7.6	3.44	7.75	7.13	5.1	4.98	7.17	0.89	-5.63	-12.48

Credit (USD)

Credit Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	40	15	20	20	72	6	6	10	16	30	26	139	49	22	69
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	112	26	- -	1
LT Debt	40	15	20	20	72	6	6	10	16	30	25	27	23	22	69
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.73	10.58	10.02	11.19	10.56	11.39	12.03	12.55	12.44	12.3	10.44	9.94	11.54	11.76	10.11
Long-Term Debt/Equity (%)	29.51	9.88	11.04	10.09	33.75	2.42	1.93	3.05	4.61	8.33	5.65	6.46	5.22	4.94	17.38
Long-Term Debt/Capital (%)	22.79	8.99	9.94	9.17	25.24	2.37	1.9	2.96	4.41	7.69	5.34	4.83	4.69	4.71	14.79
Long-Term Debt/Total Assets (%)	2.87	1.05	1.11	1.13	3.56	0.28	0.23	0.38	0.57	1.02	0.59	0.64	0.6	0.58	1.76
Total Debt/Equity (%)	29.51	9.88	11.04	10.09	33.75	2.42	1.93	3.05	4.61	8.35	5.74	33.75	11.21	4.98	17.56
Total Debt/Capital (%)	22.79	8.99	9.94	9.17	25.24	2.37	1.9	2.96	4.41	7.7	5.43	25.23	10.08	4.74	14.94
Total Debt/Total Assets (%)	2.87	1.05	1.11	1.13	3.56	0.28	0.23	0.38	0.57	1.03	0.6	3.35	1.29	0.59	1.78
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
Net Debt/Capital (%)	-195.91	-9.64	-86.32	-11.84	17.68	-23.07	-199.36	-8.42	-106.83	-105.17	-270.38	35.31	4.71	-42.94	-76.03
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.73	10.58	10.02	11.19	10.56	11.39	12.03	12.55	12.44	12.3	10.44	9.94	11.54	11.76	10.11
Long-Term Debt/Equity (%)	29.51	9.88	11.04	10.09	33.75	2.42	1.93	3.05	4.61	8.33	5.65	6.46	5.22	4.94	17.38
Long-Term Debt/Capital (%)	22.79	8.99	9.94	9.17	25.24	2.37	1.9	2.96	4.41	7.69	5.34	4.83	4.69	4.71	14.79
Long-Term Debt/Total Assets (%)	2.87	1.05	1.11	1.13	3.56	0.28	0.23	0.38	0.57	1.02	0.59	0.64	0.6	0.58	1.76
Total Debt/Equity (%)	29.51	9.88	11.04	10.09	33.75	2.42	1.93	3.05	4.61	8.35	5.74	33.75	11.21	4.98	17.56
Total Debt/Capital (%)	22.79	8.99	9.94	9.17	25.24	2.37	1.9	2.96	4.41	7.7	5.43	25.23	10.08	4.74	14.94
Total Debt/Total Assets (%)	2.87	1.05	1.11	1.13	3.56	0.28	0.23	0.38	0.57	1.03	0.6	3.35	1.29	0.59	1.78
CFO/Total Liabilities	1.78	1.62	1.31	1.19	1.3	1.42	1.24	1.91	1.73	1.6	1.17	1.48	1.06	0.87	1.11
CFO/CapEx	9.05	17.04	22.13	8.08	16.7	24.47	18.79	46.42	75.52	41.64	43.35	24.39	20.39	54.55	21.48
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	1.72	1.63	1.3	1.32	1.25	1.25	1.17	1.37	1.38	1.88	2.62	2.11	- -	- -	- -
Days Sales Outstanding	212.22	223.29	281.59	275.49	292.66	290.96	310.86	266.51	264.06	194.62	139.34	173.32	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	130	28	104	41	26	49	204	34	183	200	348	45	30	137	225
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	40	15	20	20	72	6	6	10	16	30	26	139	49	22	69
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	176	167	201	220	287	236	303	326	352	388	476	551	488	457	464
Total Debt/Capital (%)	22.79	8.99	9.94	9.17	25.24	2.37	1.9	2.96	4.41	7.7	5.43	25.23	10.08	4.74	14.94
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	70	70	67	79	76	82	83	102	105	105	115	138	105	70	29
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	22	21	21	19	24	25	27	42	41	41	45	55	36	- -	- -
TTM Free Cash Flow to Firm	20	20	20	17	22	24	26	41	40	40	44	53	34	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	11	11	12	12	12	12	14	14	14	13	16	16	16	16	16
Diluted Weighted Avg Shares	11	11	11	12	12	12	13	14	14	14	14	16	16	16	16
Basic Weighted Avg Shares	11	11	11	12	12	12	12	14	14	14	14	16	16	16	16
Revenue per Share	6.61	6.58	6.13	6.75	6.4	6.78	6.71	7.34	7.69	7.78	8.03	8.68	6.56	4.35	1.81
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.47	1.67	1.31	1.68	1.55	1.91	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	1.91	1.29	2.35	2.51	2.24	2.32	2.93	1.24	-0.52	-2.24
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
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
Cash Flow per Share	2.11	1.95	1.94	1.6	1.99	2.1	2.18	3.04	3.01	3.02	3.16	3.47	2.23	1.77	2.45
Free Cash Flow per Basic Share	1.88	1.83	1.86	1.4	1.87	2.01	2.06	2.97	2.97	2.95	3.08	3.33	2.12	1.74	2.34
Cash & Equivalents per Share	24.82	16.92	29.59	20.4	36.6	6.72	38.89	36.33	45.49	43.93	95.15	2.91	1.89	16.97	15.35
Book Value per Share	12.7	14.09	15.39	16.84	17.68	18.82	21.46	22.86	24.81	26.54	28.28	25.72	27.18	27.07	24.52
Tangible Book Value per Share	12.7	14.09	14.46	15.99	16.89	18.08	18.82	20.28	22.25	24.03	23.3	20.86	22.44	22.37	19.88