27.15 USD
-0.8 (-2.86%)
27.15 USD
0 (0%)
Taking everything into account, BMRC scores 4 out of 10 in our fundamental rating. BMRC was compared to 388 industry peers in the Banks industry. The financial health of BMRC is average, but there are quite some concerns on its profitability. BMRC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
BMRC had positive earnings in the past year.
BMRC had a positive operating cash flow in the past year.
Of the past 5 years BMRC 4 years were profitable.
BMRC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BMRC has a worse Return On Assets (0.26%) than 86.86% of its industry peers.
BMRC has a Return On Equity of 2.22%. This is amonst the worse of the industry: BMRC underperforms 86.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 2.22% | ||
| ROIC | N/A |
ROA(3y)0.47%
ROA(5y)0.65%
ROE(3y)4.64%
ROE(5y)5.94%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 10.17%, BMRC is not doing good in the industry: 84.54% of the companies in the same industry are doing better.
The Operating Margin and Gross Margin are not available for BMRC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.17% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BMRC does not have a ROIC to compare to the WACC, probably because it is not profitable.
BMRC has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BMRC has more shares outstanding
Compared to 1 year ago, BMRC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BMRC is 0.00, which is an excellent value as it means it would take BMRC, only 0.00 years of fcf income to pay off all of its debts.
BMRC has a Debt to FCF ratio of 0.00. This is amongst the best in the industry. BMRC outperforms 89.43% of its industry peers.
BMRC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
BMRC has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. BMRC outperforms 88.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BMRC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 158.93%, which is quite impressive.
BMRC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -18.42% yearly.
BMRC shows a strong growth in Revenue. In the last year, the Revenue has grown by 46.36%.
BMRC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.90% yearly.
EPS 1Y (TTM)158.93%
EPS 3Y-29.7%
EPS 5Y-18.42%
EPS Q2Q%67.86%
Revenue 1Y (TTM)46.36%
Revenue growth 3Y-13.96%
Revenue growth 5Y-6.9%
Sales Q2Q%16.17%
3.2 Future
BMRC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.44% yearly.
BMRC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.37% yearly.
EPS Next Y28.86%
EPS Next 2Y53.21%
EPS Next 3Y36.44%
EPS Next 5YN/A
Revenue Next Year14.46%
Revenue Next 2Y14.85%
Revenue Next 3Y12.37%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 18.72, the valuation of BMRC can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of BMRC indicates a slightly more expensive valuation: BMRC is more expensive than 78.35% of the companies listed in the same industry.
BMRC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.38, which is the current average of the S&P500 Index.
BMRC is valuated correctly with a Price/Forward Earnings ratio of 12.85.
67.01% of the companies in the same industry are cheaper than BMRC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BMRC to the average of the S&P500 Index (23.83), we can say BMRC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.72 | ||
| Fwd PE | 12.85 |
4.2 Price Multiples
BMRC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BMRC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BMRC's earnings are expected to grow with 36.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.65
PEG (5Y)N/A
EPS Next 2Y53.21%
EPS Next 3Y36.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.58%, BMRC has a reasonable but not impressive dividend return.
BMRC's Dividend Yield is a higher than the industry average which is at 2.73.
BMRC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.58% |
5.2 History
The dividend of BMRC has a limited annual growth rate of 4.66%.
BMRC has been paying a dividend for at least 10 years, so it has a reliable track record.
BMRC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.66%
Div Incr Years0
Div Non Decr Years19
5.3 Sustainability
163.40% of the earnings are spent on dividend by BMRC. This is not a sustainable payout ratio.
The dividend of BMRC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP163.4%
EPS Next 2Y53.21%
EPS Next 3Y36.44%
27.15
-0.8 (-2.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.5%
Inst Owner Change3.73%
Ins Owners8.97%
Ins Owner Change0.86%
Market Cap436.84M
Revenue(TTM)97.03M
Net Income(TTM)9.87M
Analysts81.67
Price Target29.78 (9.69%)
Short Float %3.52%
Short Ratio6.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.58% |
Yearly Dividend1
Dividend Growth(5Y)4.66%
DP163.4%
Div Incr Years0
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.8%
Min EPS beat(2)-14.4%
Max EPS beat(2)8.8%
EPS beat(4)2
Avg EPS beat(4)0.69%
Min EPS beat(4)-14.4%
Max EPS beat(4)14.98%
EPS beat(8)3
Avg EPS beat(8)-22.52%
EPS beat(12)4
Avg EPS beat(12)-18.86%
EPS beat(16)7
Avg EPS beat(16)-13.86%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)-0.68%
Revenue beat(4)0
Avg Revenue beat(4)-3.76%
Min Revenue beat(4)-6.4%
Max Revenue beat(4)-0.68%
Revenue beat(8)0
Avg Revenue beat(8)-4.95%
Revenue beat(12)1
Avg Revenue beat(12)-4.22%
Revenue beat(16)5
Avg Revenue beat(16)-1.35%
PT rev (1m)3.18%
PT rev (3m)8.15%
EPS NQ rev (1m)3.99%
EPS NQ rev (3m)9.37%
EPS NY rev (1m)-26.26%
EPS NY rev (3m)-21.68%
Revenue NQ rev (1m)3.32%
Revenue NQ rev (3m)5%
Revenue NY rev (1m)0.51%
Revenue NY rev (3m)1.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.72 | ||
| Fwd PE | 12.85 | ||
| P/S | 4.5 | ||
| P/FCF | 12.73 | ||
| P/OCF | 12.08 | ||
| P/B | 0.98 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.45
EY5.34%
EPS(NY)2.11
Fwd EY7.78%
FCF(TTM)2.13
FCFY7.85%
OCF(TTM)2.25
OCFY8.28%
SpS6.03
BVpS27.58
TBVpS22.93
PEG (NY)0.65
PEG (5Y)N/A
Graham Number30
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 2.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.17% | ||
| GM | N/A | ||
| FCFM | 35.36% |
ROA(3y)0.47%
ROA(5y)0.65%
ROE(3y)4.64%
ROE(5y)5.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 85.37% | ||
| Cap/Sales | 1.91% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 347.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.41%
ROIC/WACCN/A
Cap/Depr(3y)46.73%
Cap/Depr(5y)41.79%
Cap/Sales(3y)1.32%
Cap/Sales(5y)1.16%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)158.93%
EPS 3Y-29.7%
EPS 5Y-18.42%
EPS Q2Q%67.86%
EPS Next Y28.86%
EPS Next 2Y53.21%
EPS Next 3Y36.44%
EPS Next 5YN/A
Revenue 1Y (TTM)46.36%
Revenue growth 3Y-13.96%
Revenue growth 5Y-6.9%
Sales Q2Q%16.17%
Revenue Next Year14.46%
Revenue Next 2Y14.85%
Revenue Next 3Y12.37%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-28.44%
FCF growth 3Y-14.28%
FCF growth 5Y-7.17%
OCF growth 1Y-29.36%
OCF growth 3Y-14.42%
OCF growth 5Y-7.07%
BANK OF MARIN BANCORP/CA / BMRC FAQ
What is the ChartMill fundamental rating of BANK OF MARIN BANCORP/CA (BMRC) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BMRC.
What is the valuation status for BMRC stock?
ChartMill assigns a valuation rating of 4 / 10 to BANK OF MARIN BANCORP/CA (BMRC). This can be considered as Fairly Valued.
How profitable is BANK OF MARIN BANCORP/CA (BMRC) stock?
BANK OF MARIN BANCORP/CA (BMRC) has a profitability rating of 2 / 10.
What is the earnings growth outlook for BANK OF MARIN BANCORP/CA?
The Earnings per Share (EPS) of BANK OF MARIN BANCORP/CA (BMRC) is expected to grow by 28.86% in the next year.
How sustainable is the dividend of BANK OF MARIN BANCORP/CA (BMRC) stock?
The dividend rating of BANK OF MARIN BANCORP/CA (BMRC) is 6 / 10 and the dividend payout ratio is 163.4%.