Bank of Marin Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
16.03
Price/Sales ratio
3.11
Earnings per Share (EPS)
$1.42

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
15.6717.2718.3126.3717.5217.9115.3516.0611.2317.72-27.3317.91
Price/Sales ratio
3.894.175.145.065.625.854.414.633.783.353.355.85
Price/Book Value ratio
1.541.481.831.411.801.821.291.181.270.800.861.82
Price/Cash Flow ratio
16.4313.4516.6415.6313.5714.9811.3711.799.479.8820.6213.57
Price/Free Cash Flow ratio
18.7614.3017.3516.5113.8715.1911.6512.079.8710.3922.6313.87
Price/Earnings Growth ratio
0.55-2.230.78-0.810.212.63-1.424.490.42-0.30-25.422.63
Dividend Yield
1.52%1.69%1.46%1.63%1.54%1.78%2.69%2.45%2.99%4.56%4.25%1.54%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%126.84%100%
Operating Profit Margin
43.51%41.63%47.71%37.42%46.17%43.80%38.57%39.00%47.73%37.79%-7.94%43.80%
Pretax Profit Margin
39.59%37.87%44.31%34.69%42.69%43.80%38.57%39.00%45.88%24.80%-20.46%43.80%
Net Profit Margin
24.87%24.14%28.10%19.22%32.08%32.68%28.74%28.87%33.66%18.95%-12.23%32.68%
Effective Tax Rate
37.17%36.25%36.58%44.60%24.86%25.39%25.48%25.97%26.64%23.58%40.22%24.86%
Return on Assets
1.10%0.90%1.14%0.64%1.29%1.26%1.03%0.77%1.12%0.52%-0.36%1.26%
Return On Equity
9.88%8.59%10.03%5.37%10.31%10.16%8.44%7.37%11.30%4.53%-3.15%10.16%
Return on Capital Employed
1.95%1.57%1.95%1.26%1.87%1.70%1.40%1.04%1.60%1.04%-0.77%1.70%
Liquidity Ratios
Current Ratio
0.020.000.000.020.000.00N/AN/AN/AN/A0.560.00
Quick Ratio
94.7595.06108.50115.9992.8847.7845.2665.4443.00N/A0.5647.78
Cash ratio
2.701.643.3312.171.719.9310.2511.801.97N/A0.089.93
Days of Sales Outstanding
276.44297.63305.75318.89272.34263.78277.66162.90210.53N/AN/A263.78
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.010.030.000.000.000.000.00N/A0.03N/AN/A0.00
Debt Equity Ratio
0.100.330.020.010.030.000.00N/A0.33N/AN/A0.00
Long-term Debt to Capitalization
0.090.250.020.010.020.000.00N/A0.21N/AN/A0.00
Total Debt to Capitalization
0.090.250.020.010.020.000.00N/A0.25N/AN/A0.00
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A4.94N/AN/AN/A-0.24N/A
Cash Flow to Debt Ratio
0.930.324.554.694.3614.0114.70N/A0.39N/AN/A14.01
Company Equity Multiplier
8.939.478.778.307.968.038.129.5710.068.688.687.96
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.230.310.300.320.410.390.380.390.390.330.160.39
Free Cash Flow / Operating Cash Flow Ratio
0.870.940.950.940.970.980.970.970.950.950.910.98
Cash Flow Coverage Ratio
0.930.324.554.694.3614.0114.70N/A0.39N/AN/A14.01
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A2.07N/AN/AN/A
Dividend Payout Ratio
23.93%29.22%26.89%43.16%27.15%32.00%41.35%39.44%33.64%80.95%-117.48%32.00%