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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 5.20
BMRC's Cash to Debt is ranked higher than
83% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BMRC: 5.20 )
BMRC' s 10-Year Cash to Debt Range
Min: 0.34   Max: No Debt
Current: 5.2

Equity to Asset 0.10
BMRC's Equity to Asset is ranked higher than
67% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BMRC: 0.10 )
BMRC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.1

0.08
0.12
Interest Coverage 12.44
BMRC's Interest Coverage is ranked higher than
97% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BMRC: 12.44 )
BMRC' s 10-Year Interest Coverage Range
Min: 0.92   Max: 9999.99
Current: 12.44

0.92
9999.99
F-Score: 3
Z-Score: 0.25
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 33.23
BMRC's Operating margin (%) is ranked higher than
78% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. BMRC: 33.23 )
BMRC' s 10-Year Operating margin (%) Range
Min: 33.23   Max: 41.48
Current: 33.23

33.23
41.48
Net-margin (%) 21.35
BMRC's Net-margin (%) is ranked higher than
74% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.45 vs. BMRC: 21.35 )
BMRC' s 10-Year Net-margin (%) Range
Min: 20.63   Max: 25.43
Current: 21.35

20.63
25.43
ROE (%) 7.89
BMRC's ROE (%) is ranked higher than
73% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.96 vs. BMRC: 7.89 )
BMRC' s 10-Year ROE (%) Range
Min: 7.89   Max: 15
Current: 7.89

7.89
15
ROA (%) 0.79
BMRC's ROA (%) is ranked higher than
73% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. BMRC: 0.79 )
BMRC' s 10-Year ROA (%) Range
Min: 0.79   Max: 1.4
Current: 0.79

0.79
1.4
ROC (Joel Greenblatt) (%) 243.79
BMRC's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 1430 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. BMRC: 243.79 )
BMRC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 84.25   Max: 307.23
Current: 243.79

84.25
307.23
Revenue Growth (%) 1.90
BMRC's Revenue Growth (%) is ranked higher than
75% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BMRC: 1.90 )
BMRC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 10.2
Current: 1.9

0
10.2
EBITDA Growth (%) -0.60
BMRC's EBITDA Growth (%) is ranked higher than
63% of the 1123 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BMRC: -0.60 )
BMRC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 176.2
Current: -0.6

0
176.2
EPS Growth (%) 0.30
BMRC's EPS Growth (%) is ranked higher than
63% of the 1105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. BMRC: 0.30 )
BMRC' s 10-Year EPS Growth (%) Range
Min: 0   Max: 19.3
Current: 0.3

0
19.3
» BMRC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

BMRC Guru Trades in

Q2 2013

BMRC Guru Trades in Q2 2013

Jim Simons 6,400 sh (New)
Diamond Hill Capital 6,695 sh (New)
» More
Q3 2013

BMRC Guru Trades in Q3 2013

Diamond Hill Capital 7,395 sh (+10.46%)
Jim Simons 6,900 sh (+7.81%)
» More
Q4 2013

BMRC Guru Trades in Q4 2013

Diamond Hill Capital 7,395 sh (unchged)
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with BMRC



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Bank of Marin Bancorp

Undervalued and Predictable Banks with Yield
According to the GuruFocus Undervalued Predictable Companies screener, 90 U.S. stocks are currently listed as undervalued and predictable, as well as a number of stocks in other countries. Here’s an update on four banks around the world with high predictability ratings and yield. These banks also had recent trading action by billionaire investors or insiders. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 17.80
BMRC's P/E(ttm) is ranked higher than
53% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. BMRC: 17.80 )
BMRC' s 10-Year P/E(ttm) Range
Min: 7.77   Max: 22.79
Current: 17.8

7.77
22.79
P/B 1.38
BMRC's P/B is ranked higher than
51% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BMRC: 1.38 )
BMRC' s 10-Year P/B Range
Min: 0.91   Max: 3.01
Current: 1.38

0.91
3.01
P/S 3.80
BMRC's P/S is ranked lower than
60% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. BMRC: 3.80 )
BMRC' s 10-Year P/S Range
Min: 1.69   Max: 18.11
Current: 3.8

1.69
18.11
PFCF 12.60
BMRC's PFCF is ranked lower than
61% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BMRC: 12.60 )
BMRC' s 10-Year PFCF Range
Min: 4.69   Max: 57.11
Current: 12.6

4.69
57.11
EV-to-EBIT 13.01
BMRC's EV-to-EBIT is ranked higher than
74% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. BMRC: 13.01 )
BMRC' s 10-Year EV-to-EBIT Range
Min: 2.5   Max: 36.7
Current: 13.01

2.5
36.7
PEG 6.36
BMRC's PEG is ranked lower than
61% of the 849 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. BMRC: 6.36 )
BMRC' s 10-Year PEG Range
Min: 0.29   Max: 3.11
Current: 6.36

0.29
3.11
Shiller P/E 16.57
BMRC's Shiller P/E is ranked higher than
68% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.04 vs. BMRC: 16.57 )
BMRC' s 10-Year Shiller P/E Range
Min: 8.36   Max: 19.8
Current: 16.57

8.36
19.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.62
BMRC's Dividend Yield is ranked lower than
68% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. BMRC: 1.62 )
BMRC' s 10-Year Dividend Yield Range
Min: 0.82   Max: 3.15
Current: 1.62

0.82
3.15
Dividend Payout 0.28
BMRC's Dividend Payout is ranked higher than
69% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. BMRC: 0.28 )
BMRC' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.28
Current: 0.28

0.09
0.28
Dividend growth (3y) 6.20
BMRC's Dividend growth (3y) is ranked higher than
78% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. BMRC: 6.20 )
BMRC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 43.4
Current: 6.2

0
43.4
Yield on cost (5-Year) 2.19
BMRC's Yield on cost (5-Year) is ranked lower than
56% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. BMRC: 2.19 )
BMRC' s 10-Year Yield on cost (5-Year) Range
Min: 1.12   Max: 4.32
Current: 2.19

1.12
4.32
Share Buyback Rate -1.50
BMRC's Share Buyback Rate is ranked higher than
74% of the 1172 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.60 vs. BMRC: -1.50 )
BMRC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -3.5
Current: -1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.38
BMRC's Price/Tangible Book is ranked higher than
59% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. BMRC: 1.38 )
BMRC' s 10-Year Price/Tangible Book Range
Min: 1.25   Max: 2.76
Current: 1.38

1.25
2.76
Price/DCF (Projected) 0.80
BMRC's Price/DCF (Projected) is ranked higher than
55% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. BMRC: 0.80 )
BMRC' s 10-Year Price/DCF (Projected) Range
Min: 0.69   Max: 1.64
Current: 0.8

0.69
1.64
Price/Median PS Value 1.05
BMRC's Price/Median PS Value is ranked higher than
67% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BMRC: 1.05 )
BMRC' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 1.72
Current: 1.05

0.65
1.72
Price/Peter Lynch Fair Value 3.12
BMRC's Price/Peter Lynch Fair Value is ranked lower than
68% of the 444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. BMRC: 3.12 )
BMRC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.54   Max: 2.96
Current: 3.12

0.54
2.96
Price/Graham Number 1.03
BMRC's Price/Graham Number is ranked higher than
57% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BMRC: 1.03 )
BMRC' s 10-Year Price/Graham Number Range
Min: 0.67   Max: 1.53
Current: 1.03

0.67
1.53
Earnings Yield (Greenblatt) 7.70
BMRC's Earnings Yield (Greenblatt) is ranked higher than
78% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BMRC: 7.70 )
BMRC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 40.6
Current: 7.7

2.7
40.6
Forward Rate of Return (Yacktman) 10.38
BMRC's Forward Rate of Return (Yacktman) is ranked higher than
67% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. BMRC: 10.38 )
BMRC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 11.3   Max: 33.9
Current: 10.38

11.3
33.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Bank of Marin Bancorp offers a range of commercial and retail deposit and lending programs designed to meet the needs of its target markets. The Company's loan products include commercial loans and lines of credit, construction financing, consumer loans, and home equity lines of credit. Through a third party vendor, it offers a proprietary Visa credit card combined with a rewards program to its customers, as well as a Business Visa program for business and professional customers. It also offer cash management sweep to business clients through a third party vendor. The Company offers a variety of personal and business checking and savings accounts, and a number of time deposit alternatives, including time certificates of deposit, Individual Retirement Accounts ('IRAs'), Health Savings Accounts, and Certificate of Deposit Account Registry Service ('CDARS'). CDARS is a network through which it offers full FDIC insurance coverage in excess of the regulatory maximum by placing deposits in multiple banks participating in the network. It also offer remote deposit capture, Automated Clearing House services ('ACH'), social security and pension checks, fraud prevention services including Positive Pay for Checks and ACH and image lockbox services. A valet deposit pick-up service is available to its professional and business clients. Automatic teller machines ('ATM's') are available at each branch location. Its ATM network is linked to the PLUS, CIRRUS and NYCE networks, as well as a network of nation-wide surcharge-free ATM's called MoneyPass. It also offer its depositors 24-hour access to their accounts by telephone and through its internet banking products available to personal and business account holders. It offer Wealth Management and Trust Services ('WMTS') which include customized investment portfolio management, financial planning, trust administration, estate settlement and custody services, and advice of charitable giving. It also offer 401(k) plan services to small and medium-sized businesses through a third party vendor. It offers branch-based Private Banking as a natural extension of its services. Its Private Banking includes deposit services and loans, as well as a range of banking services. Its main market area consists of Marin, San Francisco, Napa and Sonoma Counties. The Company and banks are extensively regulated under both federal and state law.

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