BMRC (Bank of Marin Bancorp) Moat Score: 4/10 (As of Jul. 02, 2026)


BMRC Bank of Marin Bancorp BMRC
50 GF Score
Price $28.94
GF Value $19.06
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Bank of Marin Bancorp Moat Score?

Bank of Marin Bancorp BMRC +4.40% 50 Moat Score is 4 as of Jul. 02, 2026. GuruFocus rates BMRC with a GF Score™ of 50/100 and a GF Value™ of $19.06 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,611 Banks companies, Bank of Marin Bancorp ranks better than 86.22% on this metric.

Bank of Marin Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Bank of Marin Bancorp has Narrow Moat: Bank of Marin Bancorp benefits from a modest regional market presence and customer loyalty. However, it faces competition from larger banks with more resources. Its moat is primarily due to local customer relationships and some cost advantages, but lacks significant network effects or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank of Marin Bancorp might have Narrow Moat - Discernible but modest moat.

Bank of Marin Bancorp  (NAS:BMRC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank of Marin Bancorp Moat Score Related Terms

BMRC vs CBK, GBFH, WTBA: Moat Score Comparison

For the Banks - Regional subindustry, Bank of Marin Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Marin Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank of Marin Bancorp's Moat Score falls into.


BMRC
50GF Score
Bank of Marin Bancorp BMRC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Bank of Marin Bancorp (BMRC) has a Moat Score of 4 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bank of Marin Bancorp ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Bank of Marin Bancorp's Moat Score too high?
Bank of Marin Bancorp's current Moat Score is 4. Based on the distribution chart, Bank of Marin Bancorp ranks #222 out of 1611 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 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Marin Bancorp's Moat Score compare to CBK and GBFH?
According to the Banks industry distribution chart, Bank of Marin Bancorp ranks #222 out of 1611 companies for Moat Score. This places Bank of Marin Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bank of Marin Bancorp's current Moat Score is 4. 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 $19.06, compared to a current price of $28.94 — trading 51.8% above its estimated fair value. The current Moat Score is 4. Bank of Marin Bancorp's overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bank of Marin Bancorp (BMRC), the current Moat Score is 4 as of Jul. 02, 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 $28.94 is trading 51.8% above its estimated GF Value™ of $19.06. GuruFocus considers Bank of Marin Bancorp to be Significantly Overvalued.

Key valuation signals for BMRC:

  • Moat Score: 4
  • GF Value™: $19.06 vs. price of $28.94 (51.8% above fair value)
  • GF Score™: 50/100 with 6 warning signs

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 Business Description

Other Exchanges 4V6:Germany
Address 504 Redwood Boulevard, Suite 100, Novato, CA, USA, 94947
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.
50GF Score

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$28.94
Price
$19.06
GF Value