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Bank of Marin (BMRC) Reports Q3 Earnings: What Key Metrics Have to Say

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For the quarter ended September 2025, Bank of Marin (BMRC - Free Report) reported revenue of $31.1 million, up 14.5% over the same period last year. EPS came in at $0.47, compared to $0.28 in the year-ago quarter.

The reported revenue represents a surprise of -0.01% over the Zacks Consensus Estimate of $31.1 million. With the consensus EPS estimate being $0.42, the EPS surprise was +11.9%.

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): 3.1% versus the three-analyst average estimate of 3.1%.
  • Efficiency Ratio: 68.9% compared to the 68% average estimate based on three analysts.
  • Average Balance - Total interest earning assets: $3.6 billion compared to the $3.54 billion average estimate based on two analysts.
  • Total non-accrual loans: $31.49 million versus $32.86 million estimated by two analysts on average.
  • Net interest income: $28.19 million versus the three-analyst average estimate of $27.95 million.
  • Total non-interest income: $2.75 million compared to the $3.08 million average estimate based on three analysts.
  • Net Interest Income (FTE): $28.35 million versus $28.14 million estimated by two analysts on average.

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

Shares of Bank of Marin have returned -1.5% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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