ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank of Marin Bancorp ?
1
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
2
Positive results in Jun 25
- GROSS NPA (%)(Q) Lowest at 1.57%
- NII(Q) Highest at USD 26.27 MM
- PRE-TAX PROFIT(Q) At USD -11.2 MM has Grown at 67.43%
3
With ROA of -0.10%, it has a risky valuation with a 0.82 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 2.62%, its profits have fallen by -148.3%
4
High Institutional Holdings at 66.26%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Marin Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Marin Bancorp for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank of Marin Bancorp
7.3%
2.59
31.30%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.47%
EBIT Growth (5y)
-53.82%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
66.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.82
EV to EBIT
-6.57
EV to EBITDA
-7.94
EV to Capital Employed
0.54
EV to Sales
0.62
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-8.18%
ROE (Latest)
-1.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 26.27 MM
PRE-TAX PROFIT(Q)
At USD -11.2 MM has Grown at 67.43%
NET PROFIT(Q)
At USD -8.54 MM has Grown at 61.03%
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank of Marin Bancorp
Non Performing Loans (%)
Lowest at 1.57%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 26.27 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Pre-Tax Profit
At USD -11.2 MM has Grown at 67.43%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD -8.54 MM has Grown at 61.03%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Here's what is not working for Bank of Marin Bancorp
Capital Adequacy Ratio
Lowest at 15.03%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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