Bank of Marin Bancorp (BMRC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

MidWestOne Financial Group, Inc.

Five Star Bancorp

CapStar Financial Holdings, Inc.

Red River Bancshares, Inc.

Summit Financial Group, Inc. (West Virginia)

Mid Penn Bancorp, Inc.

Guaranty Bancshares, Inc. (Texas)

Macatawa Bank Corp.

Enterprise Bancorp, Inc.

First Foundation, Inc.

Bank of Marin Bancorp

Why is Bank of Marin Bancorp ?

Weak Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
OPERATING CASH FLOW(Y) Lowest at USD 25.48 MM
DIVIDEND PAYOUT RATIO(Y) Lowest at 0%
CREDIT DEPOSIT RATIO(HY) Lowest at 62.09%

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of 12.69%, its profits have fallen by -324.3%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Bank of Marin Bancorp for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Bank of Marin Bancorp

23.8%

2.22

31.30%

S&P 500

29.12%

0.62

19.30%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.94%

EBIT Growth (5y)

-223.89%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

76.29%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.98

EV to EBIT

-3.79

EV to EBITDA

-3.94

EV to Capital Employed

0.97

EV to Sales

1.34

PEG Ratio

Dividend Yield

ROCE (Latest)

-25.53%

ROE (Latest)

-9.04%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What is working for the Company

GROSS NPA (%)

NII(Q)

Highest at USD 31.55 MM

NET SALES(Q)

Highest at USD 42.2 MM

OPERATING PROFIT(Q)

Highest at USD 12.09 MM

OPERATING PROFIT MARGIN(Q)

Highest at 28.65 %

-22What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 25.48 MM

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

CREDIT DEPOSIT RATIO(HY)

Lowest at 62.09%

PRE-TAX PROFIT(Q)

Lowest at USD -57.38 MM

NET PROFIT(Q)

Lowest at USD -39.54 MM

EPS(Q)

Lowest at USD -2.49

Here's what is working for Bank of Marin Bancorp

Non Performing Loans (%)

Lowest at 1.27% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 31.55 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 42.2 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 12.09 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 28.65 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Here's what is not working for Bank of Marin Bancorp

Pre-Tax Profit

At USD -57.38 MM has Fallen at -694.87%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -39.54 MM has Fallen at -758.91%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow

Lowest at USD 25.48 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Pre-Tax Profit

Lowest at USD -57.38 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -39.54 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD -2.49

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 62.09%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 0%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)

Capital Adequacy Ratio

Lowest at 12.3%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)