Bank of Marin Bancorp (BMRC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$28.58-3.18%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · BMRC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
"Active management of deposit costs, growth in fee income, and expense discipline drove a 17% increase in pre-tax pre-provision net income on a sequential quarter basis," said President & CEO Tim Mye…
Stated in 3 of 3 supplied quarters. Management reported: “"Active management of deposit costs, growth in fee income, and expense discipline drove a 17% increase in pre-tax pre-provision net income on a sequential quarter basis," said President & CEO Tim Myers.” “Continued legacy loan repricing along with new loan originations at higher rates should support modest net interest margin expansion over time."”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 59% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“"Active management of deposit costs, growth in fee income, and expense discipline drove a 17% increase in pre-tax pre-provision net income on a sequential quarter basis," said President & CEO Tim Mye…”
“under “Investor Relations.” 1 "Our profitability continued to benefit from the successful balance sheet restructuring actions we implemented over the past year, along with positive trends in higher-y…”
““While our cost of deposits was unchanged this quarter at 1.35% due to some changes in mix, our spot cost of deposits improved to 1.31% as of March 31st and we continue to believe that deposit and lo…”
"Organic originations drove loan growth during the quarter which was supplemented by a California residential loan pool purchase that utilized excess liquidity, diversified our earning assets, and is…
Stated in 3 of 3 supplied quarters. Management reported: “"Organic originations drove loan growth during the quarter which was supplemented by a California residential loan pool purchase that utilized excess liquidity, diversified our earning assets, and is expected to provide attractive risk-adjusted returns."” “While period-end loan balances declined due to the substantial planned exit within one relationship, healthy loan production and a meaningful decline in criticized loans reflect our ongoing focus on strengthening the balance sheet and improving credit quality."”
“"Organic originations drove loan growth during the quarter which was supplemented by a California residential loan pool purchase that utilized excess liquidity, diversified our earning assets, and is…”
“While period-end loan balances declined due to the substantial planned exit within one relationship, healthy loan production and a meaningful decline in criticized loans reflect our ongoing focus on…”
“We followed a strong fourth quarter with a seasonally high level of new loan originations and grew our deposits without increasing their total cost," said President & CEO Tim Myers.”
This performance was supported by progress across key financial and operating priorities: • Increased earnings per share, pre-tax pre-provision net income, and return on average tangible common equit…
Stated in 3 of 3 supplied quarters. Management reported: “This performance was supported by progress across key financial and operating priorities: • Increased earnings per share, pre-tax pre-provision net income, and return on average tangible common equity • Expanded net interest margin from higher loan yields and reduced deposit costs, and grew both total deposits and noninterest-bearing deposits • Loan growth from organic originations supplemented by a loan pool purchase • Core non-interest income growth • Prudent expense management BMRC reports net income of $9.9 million for the third quarter of 2026.”
“This performance was supported by progress across key financial and operating priorities: • Increased earnings per share, pre-tax pre-provision net income, and return on average tangible common equit…”
“under “Investor Relations.” 1 "Our profitability continued to benefit from the successful balance sheet restructuring actions we implemented over the past year, along with positive trends in higher-y…”
“under “Investor Relations.” "During the first quarter, we remained focused on continued improvement in core banking fundamentals.”
This performance was supported by progress across key financial and operating priorities: • Increased earnings per share, pre-tax pre-provision net income, and return on average tangible common equit…
Stated in 3 of 3 supplied quarters. Management reported: “This performance was supported by progress across key financial and operating priorities: • Increased earnings per share, pre-tax pre-provision net income, and return on average tangible common equity • Expanded net interest margin from higher loan yields and reduced deposit costs, and grew both total deposits and noninterest-bearing deposits • Loan growth from organic originations supplemented by a loan pool purchase • Core non-interest income growth • Prudent expense management BMRC reports net income of $9.9 million for the third quarter of 2026.”
“This performance was supported by progress across key financial and operating priorities: • Increased earnings per share, pre-tax pre-provision net income, and return on average tangible common equit…”
“While period-end loan balances declined due to the substantial planned exit within one relationship, healthy loan production and a meaningful decline in criticized loans reflect our ongoing focus on…”
“• During the quarter, we worked diligently to improve our credit quality.”
This performance was supported by progress across key financial and operating priorities: • Increased earnings per share, pre-tax pre-provision net income, and return on average tangible common equit…
Stated in 3 of 3 supplied quarters. Management reported: “This performance was supported by progress across key financial and operating priorities: • Increased earnings per share, pre-tax pre-provision net income, and return on average tangible common equity • Expanded net interest margin from higher loan yields and reduced deposit costs, and grew both total deposits and noninterest-bearing deposits • Loan growth from organic originations supplemented by a loan pool purchase • Core non-interest income growth • Prudent expense management BMRC reports net income of $9.9 million for the third quarter of 2026.”
“This performance was supported by progress across key financial and operating priorities: • Increased earnings per share, pre-tax pre-provision net income, and return on average tangible common equit…”
“This performance was supported by progress across key financial and operating priorities: • Increased earnings per share • Expanded net interest margin • Reduced funding costs • Improved asset qualit…”
“Largely as a result of continued net interest margin expansion, net income increased 75% year over year from $4.9 million for the same period in the prior year.”
Over the trailing year it converted 0.66x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 60% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
18 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-05.