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Compared to Estimates, Bank of Marin (BMRC) Q2 Earnings: A Look at Key Metrics

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Bank of Marin (BMRC - Free Report) reported $29.2 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 15.7%. EPS of $0.29 for the same period compares to $0.06 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $29.1 million, representing a surprise of +0.35%. The company delivered an EPS surprise of -19.44%, with the consensus EPS estimate being $0.36.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Bank of Marin performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net interest margin (FTE): 2.9% compared to the 2.9% average estimate based on three analysts.
  • Average Balance - Total interest earning assets: $3.52 billion versus $3.58 billion estimated by two analysts on average.
  • Total non-accrual loans: $32.47 million versus the two-analyst average estimate of $33.06 million.
  • Efficiency Ratio: 208.8% compared to the 70.2% average estimate based on two analysts.
  • Net interest income: $25.91 million versus the three-analyst average estimate of $26.14 million.
  • Total non-interest income: $3.12 million versus $2.89 million estimated by two analysts on average.
  • Net Interest Income (FTE): $26.09 million versus the two-analyst average estimate of $26.32 million.

View all Key Company Metrics for Bank of Marin here>>>

Shares of Bank of Marin have returned +4.8% over the past month versus the Zacks S&P 500 composite's +4.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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