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Bank of Marin Bancorp BMRC Q3 2025 earnings

Reported October 27, 2025 · Before market open

Revenue$29.8MMiss by $2.5M
EPS$0.47Beat by $0.05
Revenue estimate$32.3M
EPS estimate$0.42

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$35.1M
EPS estimate$0.57

Financials

Q3 2025

Income statement

See full
Revenue$30.9M+13.9%
Net income$7.5M+64.7%
EPS (diluted)$0.47+67.9%

Balance sheet

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Cash & equivalents$219.3M-4.3%
Total debt$19.6M-13.3%
Total equity$443.8M+1.6%
Total assets$3.9B+2.0%

Cash flow

See full
Operating cash flow$12.5M+26.4%
CapEx$411.0K+288%
Free cash flow$12.1M+23.5%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$391.52M+21.0%
Enterprise value$191.83M+63.8%
P/E39.7×—
P/S4.1×-0.8×

Profitability

See full
Net margin10.3%+6.1pp
FCF margin35.7%+8.4pp

Returns & leverage

See full
Return on equity2.2%+1.4pp
Debt / equity0×0.0×

Segments

By product

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Wealth management and trust services$564.0K-20.1%
Service charges on deposit accounts$547.0K+0.7%
Debit card interchange fees, net$405.0K-4.3%
Merchant interchange fees, net$87.0K+29.9%

Versus estimates

Revenue

Q2 2026$34.0MMiss by $73.0KQ1 2026$34.1MBeat by $266.0KQ4 2025$34.0MBeat by $896.2K
Q3 2025$29.8MMiss by $2.5M
Q2 2025$19.6MMiss by $9.5MQ1 2025$26.9MMiss by $2.2M

Diluted EPS

Q2 2026$0.58Beat by $0.06Q1 2026$0.53Miss by $0.03Q4 2025$0.59Beat by $0.08
Q3 2025$0.47Beat by $0.05
Q2 2025$0.29Miss by $0.07Q1 2025$0.30Miss by $0.02

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Questions, answered.

When did Bank of Marin Bancorp report Q3 2025 earnings?
Bank of Marin Bancorp (BMRC) reported Q3 2025 earnings on October 27, 2025 before market open.
What were Bank of Marin Bancorp's Q3 2025 revenue and EPS?
Bank of Marin Bancorp reported revenue of $29.8M and eps of $0.47 for Q3 2025.
Did Bank of Marin Bancorp beat estimates in Q3 2025?
Revenue missed the consensus estimate of $32.3M by $2.5M. EPS beat the consensus estimate of $0.42 by $0.05.
How did Bank of Marin Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 13.5% from $26.2M a year earlier and eps grew 67.9% from $0.28.
Where can I find Bank of Marin Bancorp's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001403475-25-000070) directly on SEC EDGAR. The filing index links above go to sec.gov.