NASDAQ$BMRC

Bank of Marin Bancorp · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

Bank of Marin Bancorp reported Q3 2025, net income of $7.5M, diluted EPS of $0.47.

For Q3 2025, Bank of Marin Bancorp reported net income of $7.5M, diluted EPS was $0.47. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Net income $7.5M.
  • Diluted EPS $0.47.
  • Bank of Marin Bancorp highlights operating priorities and capital allocation.

Headline financials

Total Revenue

$28.2M

Previous: $27.2M+3.8%
EPS (adj)

$0.47

Previous: $0.28+67.9%
Efficiency Ratio

68.9%

Previous: 75.2%-8.3%
Net Interest Margin

3.1%

Previous: 2.7%+14.1%
Return on Assets

0.8%

Previous: 0.5%+62.5%
Return on Equity

6.8%

Previous: 4.2%+62.8%
Cost of Deposits

1.3%

Previous: 1.5%-11.6%
Cost of Funds

1.3%

Previous: 1.5%-11.6%
Net Charge-offs to Loans

0.0%

No prior period
Non-accrual Loans to Loans

1.5%

Previous: 1.6%-7.4%
Classified Loans % Total

2.4%

Previous: 2.2%+8.8%
Loan Loss Allowance % Loans

1.4%

Previous: 1.5%-2.7%
Loan Loss Allowance to Non-Accrual

0.95

No prior period
Loan-to-Deposit Ratio

61.8%

Previous: 64.7%-4.5%
TCE/TA - Bank

9.0%

Previous: 9.6%-6.2%
TCE/TA - Bancorp

9.7%

Previous: 9.9%-2.1%
Risk Capital Ratio - Bancorp

16.1%

Previous: 16.5%-2.5%
Risk Capital Ratio - Bank

15.1%

Previous: 16.1%-6.3%
Capital Expenditures

-$1.69M

Previous: -$356K-375.3%
Net Income

$7.53M

Previous: $4.57M+64.7%
Operating Income

$9.61M

Previous: $13.3M-27.8%

Revenue & EPS history

Bank of Marin · Revenue · Quarterly

$28.2M

Q3 2025+3.8%vs Q3 2024
Beat estimate in 6 of 15 quarters(40%)
ActualEstimate

Revenue by segment

Bank of Marin · $2.12B total across 7 segments · Q1 2021

  • RE - Investor Owned
    $955M
  • Commercial & Industrial
    $545M
  • RE - Owner Occupied
    $308M
  • Other Residential
    $124M
  • Home Equity
    $96.6M
  • Construction
    $71.1M
  • Consumer Loans
    $21.4M

Forward guidance

The release discusses Bank of Marin Bancorp's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Net interest income and credit quality support the regional banking outlook.
  • Bank of Marin Bancorp cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.3%

Avg return

Earnings day

-0.4%

Avg return

5 days after

+1.0%

Avg return

30 days after

56%

37 / 66 earnings

Positive

+8.6%

Q3 2015

Best reaction

-11.5%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.1%+0.0%+0.5%
Q4 2025+3.6%+1.6%+0.2%
Q3 2025+4.9%+5.2%+10.5%
Q2 2025-0.7%-2.1%+5.6%
Q1 2025+0.7%+2.6%+0.0%
Q4 2024+5.6%+5.3%+1.3%
Q3 2024+5.0%+1.6%+17.4%
Q2 2024-4.6%-16.4%-7.7%
Q1 2024-7.0%+0.8%-2.1%
Q4 2023-3.8%-11.0%-21.5%
Q3 2023-5.2%-2.6%+8.1%
Q2 2023-0.5%+7.1%-4.0%
Q1 2023-11.5%-15.0%-15.7%
Q4 2022-5.4%-6.1%-6.5%
Q3 2022+6.2%+13.4%+7.5%
Q2 2022+2.6%+2.0%-2.6%
Q1 2022-7.0%-5.2%-1.4%
Q4 2021+1.9%-2.0%-6.0%
Q3 2021+2.8%+0.2%-2.9%
Q2 2021+3.6%+2.5%+12.3%
Q1 2021-10.0%-8.0%-10.4%
Q4 2020-0.3%-6.8%-3.8%
Q3 2020-7.5%-8.0%+15.3%
Q2 2020+2.9%+1.2%+0.9%
Q1 2020-0.3%+0.9%+0.6%
Q4 2019+3.1%-0.2%-7.2%
Q3 2019+4.5%+3.8%+8.0%
Q2 2019+1.6%+3.5%-1.7%
Q1 2019-0.4%+0.0%-2.9%
Q4 2018+1.3%-0.2%+4.8%
Q3 2018+2.3%+3.5%+2.8%
Q2 2018+5.6%+6.4%+7.8%
Q1 2018+8.4%+7.1%+12.2%
Q4 2017-2.3%-2.7%-3.1%
Q3 2017+3.6%+5.6%+0.1%
Q2 2017+2.8%+7.0%+3.3%
Q1 2017-1.3%-8.1%-9.9%
Q4 2016+4.9%+2.1%+2.5%
Q3 2016+0.7%+0.2%+33.9%
Q2 2016-2.8%-4.3%-5.3%
Q1 2016+1.4%
Q4 2015+2.7%
Q3 2015+8.6%
Q2 2015-4.2%
Q1 2015+1.6%
Q4 2014-3.9%
Q3 2014+0.5%
Q2 2014+2.8%
Q1 2014-0.2%
Q4 2013-0.4%
Q3 2013-0.1%
Q2 2013-7.1%
Q1 2013+2.8%
Q4 2012+2.7%
Q3 2012-1.8%
Q2 2012+0.1%
Q1 2011+0.0%
Q1 2012+0.5%
Q4 2009+1.7%
Q4 2011+1.7%
Q4 2010+1.7%
Q3 2011-1.3%
Q3 2010-1.3%
Q2 2011+4.0%
Q2 2010+4.0%
Q1 2010-2.4%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro