Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Bank of Marin BancorpBMRC -0.84%53 Debt-to-Equity is 0.17 as of Jun. 2026, which is 183% above its 10-year median of 0.06. GuruFocus rates BMRC with a GF Score™ of 53/100 and a GF Value™ of $17.25 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,419 Banks companies, Bank of Marin Bancorp ranks better than 80.62% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Bank of Marin Bancorp's Debt-to-Equity or its related term are showing as below:
BMRC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.06 Max: 1
Current: 0.17
During the past 13 years, the highest Debt-to-Equity Ratio of Bank of Marin Bancorp was 1.00. The lowest was 0.02. And the median was 0.06.
BMRC's Debt-to-Equity is ranked better than 80.62% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs BMRC: 0.17
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Bank of Marin Bancorp Debt-to-Equity Related Terms
Bank of Marin Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Bank of Marin Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BMRC vs WTBA, PBAM, CBAN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Bank of Marin Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of Marin Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Marin Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bank of Marin Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of Marin Bancorp (BMRC) has a Debt-to-Equity of 0.17 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank of Marin Bancorp and its competitors. This is 183% above median its historical median of 0.06. Over the past decade, Bank of Marin Bancorp's Debt-to-Equity has ranged from 0.02 to 1.00. According to the industry distribution chart, Bank of Marin Bancorp ranks #275 out of 1419 companies in the Banks industry, placing it in the top 19.4%.
Is Bank of Marin Bancorp's Debt-to-Equity too high?
Bank of Marin Bancorp's current Debt-to-Equity of 0.17 is 183% above median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 1.00. The Banks industry median Debt-to-Equity is 0.59. Bank of Marin Bancorp's value of 0.17 is 71.2% below this industry median. Based on the distribution chart, Bank of Marin Bancorp ranks #275 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Marin Bancorp has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Marin Bancorp's Debt-to-Equity compare to WTBA and PBAM?
According to the Banks industry distribution chart, Bank of Marin Bancorp ranks #275 out of 1419 companies for Debt-to-Equity. This places Bank of Marin Bancorp in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.59. Bank of Marin Bancorp's value of 0.17 is 71.2% below this benchmark. Historically, Bank of Marin Bancorp's own Debt-to-Equity has ranged from 0.02 to 1.00 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.59, Bank of Marin Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.59, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Marin Bancorp's current Debt-to-Equity of 0.17 is 71.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank of Marin Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Marin Bancorp's current Debt-to-Equity is 0.17, which is 183% above median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Marin Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Bank of Marin Bancorp (BMRC) is currently considered Significantly Overvalued. The stock's GF Value™ is $17.25, compared to a current price of $28.28 — trading 63.9% above its estimated fair value. The current Debt-to-Equity is 0.17, which is 183% above median its 10-year median of 0.06 and 71.2% below the Banks industry median of 0.59. Bank of Marin Bancorp's overall GF Score™ is 53/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Bank of Marin Bancorp (BMRC), the current Debt-to-Equity is 0.17 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of Marin Bancorp (BMRC) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Marin Bancorp stock appears to be overvalued.
The current stock price of $28.28 is trading 63.9% above its estimated GF Value™ of $17.25.
GuruFocus considers Bank of Marin Bancorp to be Significantly Overvalued.
Key valuation signals for BMRC:
Debt-to-Equity: 0.17 (183% above median its 10-year median of 0.06)
GF Value™: $17.25 vs. price of $28.28 (63.9% above fair value)
Industry Position: 71.2% below the Banks median (#275 of 1419)
No single metric tells the full story. See the BMRC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Marin Bancorp is a United States-based bank holding company. It conducts business through its wholly-owned subsidiary. The Bank provides a wide range of financial services to customers such as professionals, small and middle-market businesses, and individuals residing in Marin, Sonoma, Napa, San Francisco, Alameda, Contra Costa, San Mateo counties, and others. The majority of its revenue comes from interest income.
53GF Score
Get the complete analysis for BMRC
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BMRC has been successfully added to your 
