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Bank of Marin Bancorp BMRC Q4 2025 Annual earnings

Reported January 26, 2026 · Before market open

Revenue$34.0MBeat by $896.2K
EPS$0.59Beat by $0.08
Revenue estimate$33.1M
EPS estimate$0.51

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue-$36.9M-232%
Net income-$39.5M-759%
EPS (diluted)-$2.49-755%

Balance sheet

See full
Cash & equivalents$35.2M+242%
Total debt$70.0M+221%
Total equity$394.7M-9.4%
Total assets$3.9B+5.5%

Cash flow

See full
Operating cash flow$13.6M+27.1%
CapEx$127.0K-22.6%
Free cash flow$13.5M+27.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$418.62M+9.5%
Enterprise value$453.44M+15.1%
P/S13.3×+8.1×

Profitability

See full
Net margin-113.7%-128pp
FCF margin118.8%+80.8pp

Returns & leverage

See full
Return on equity-8.6%-12.1pp
Debt / equity0.2×+0.1×

Segments

By product

See full
Wealth management and trust services$573.0K-0.5%
Service charges on deposit accounts$543.0K-1.5%
Debit card interchange fees, net$401.0K-5.9%
Merchant interchange fees, net$104.0K+30.0%

Versus estimates

Revenue

Q2 2026$34.0MMiss by $73.0KQ1 2026$34.1MBeat by $266.0K
Q4 2025$34.0MBeat by $896.2K
Q3 2025$29.8MMiss by $2.5MQ2 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 $0.03
Q4 2025$0.59Beat by $0.08
Q3 2025$0.47Beat by $0.05Q2 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 Q4 2025 earnings?
Bank of Marin Bancorp (BMRC) reported Q4 2025 earnings on January 26, 2026 before market open.
What were Bank of Marin Bancorp's Q4 2025 revenue and EPS?
Bank of Marin Bancorp reported revenue of $34.0M and eps of $0.59 for Q4 2025.
Did Bank of Marin Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $33.1M by $896.2K. EPS beat the consensus estimate of $0.51 by $0.08.
How did Bank of Marin Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 11.4% from $38.4M a year earlier and eps grew 96.7% from $0.30.
Where can I find Bank of Marin Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001403475-26-000006) and the 10-K periodic report (0001403475-26-000018) directly on SEC EDGAR. The filing index links above go to sec.gov.