BMRC FINANCIAL STATEMENTS

Bank of Marin Bancorp — balance sheet, income statement and cash flow trends

BMRCBank of Marin Bancorp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue186.2 M $+58.4%

Gross Profit141.8 M $+111.6%

Operating Income56.7 M $—

EBITDA58.8 M $—

Net Income47 M $—

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
BMRC	—	—	—	25.3%
ICBCT	—	—	—	24.7%
ISBTR	—	—	—	28.1%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity394.5 M $10%
Current Liabilities24.6 M $1%
Long-term Liabilities3.5 B $89%

Key Figures

YoY change

Total Assets3.9 B $+3.4%

Total Liabilities3.5 B $+5.2%

Total Equity394.5 M $-10.3%

Cash & ST Investments1.6 B $+134.7%

Total Debt24.6 M $+13.6%

Net Debt-212.1 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BMRC	63.65	6.2%	-26.17	10.1%
ICBCT	—	0.0%	-20.34	4.0%
ISBTR	—	0.0%	-28.33	8.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BMRC	63.65	6.2%	-26.17	10.1%
NEWT	923.84	596.0%	15.38	14.0%
BWFG	51.00	41.6%	-1.40	9.2%
WTBA	0.15	138.6%	-2.40	6.8%
FRBA	0.13	57.0%	-2.48	11.3%
RBB	0.21	54.6%	-5.17	12.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow34.8 M $+20.2%

Capital Expenditures1.7 M $+148.0%

Free Cash Flow33.2 M $+17.1%

Dividends Paid-16.1 M $-199.7%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BMRC	18.7%	17.8%	0.9%	74.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BMRC	18.7%	17.8%	0.9%	74.0%
NEWT	-131.0%	-131.0%	0.0%	-673.4%
BWFG	15.1%	14.4%	0.7%	81.0%
WTBA	24.8%	23.7%	1.2%	140.6%
FRBA	22.7%	21.7%	1.1%	134.5%
RBB	22.5%	22.3%	0.3%	134.4%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.