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Bank of Marin Bancorp (BMRC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Bank of Marin Bancorp (BMRC) Q3 2026 earnings results →
Q3 2026 Revenue up 17% year over year to $35.1M · 28¢ of every $1 of revenue kept as net profit · operating margin 39.0%
Bank of Marin Bancorp made $35.1M in Q3 2026 (+17% Y/Y): Net interest income $31.4M, Noninterest income $3.7M. Operating margin 39.0%, net earnings $9.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $35.1M in Q3 2026, up 17% year over year and up 3% from the previous quarter. Net interest income was the largest line at 90% of revenue. Net interest income added $4.2M year over year (up 16%), 82% of the total change.
Operating profit was $13.7M, a 39.0% margin (up 6.9 points year over year). Of the extra revenue versus a year earlier, 79% reached operating profit, above the 32% margin then. Total costs grew 5% against revenue growth of 17%. Net earnings were $9.9M, up 32% year over year. The effective tax rate was 27.4%.
Operating cash flow was $16.3M (up 30% year over year), 164% of net earnings. Non-cash charges added back $325K of share-based compensation. Working capital and other items added $6.0M. Capital expenditures of $251K left free cash flow of $16.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $35.1M | +17% | 39.0% | $9.9M | $16.3M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Bank of Marin Bancorp
Bank of Marin (the “Bank”) was incorporated in August 1989, received its charter from the California Superintendent of Banks (now the Department of Financial Protection and Innovation or "DFPI") and commenced operations in January 1990. The Bank is an insured bank by the Federal Deposit Insurance Corporation (“FDIC”). Bank of Marin Bancorp ("Bancorp") was formed in 2007 and the Bank became its sole subsidiary when each share of Bank common stock was exchanged for one share of Bancorp common stock. Bancorp is listed on the Nasdaq Stock Market under the symbol BMRC. Upon formation of the holding company, Bancorp became subject to regulation under the Bank Holding Company Act of 1956, as amended, and reporting and examination requirements by the Board of Governors of the Federal Reserve System ("Federal Reserve").
In its own words, from its 10-K, filed Mar 13, 2026.
Bank of Marin Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +17% against the peers' median +12%. Operating margin: 39.0% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BMRC Bank of Marin Bancorp | Q3 2026 | $35.1M | +17% | 39.0% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Bank of Marin Bancorp 10-Q on SEC EDGAR · CIK 1403475 · State Commercial Banks
Guidance and outlook
13F: who owns BMRC and who is buying
More on BMRC
History
Every quarter: Q3 2026 results