뱅크오브마린(BMRC) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

BMRC

Bank of Marin Bancorp

7월 27일 4:00 PM ET (한국 7/28 05:00)

$30.30

+1.53 ▲ +5.32%

🌙 7월 27일 7:34 PM ET (한국 7/28 08:34)

$30.31

+0.01 ▲ +0.03%

뱅크오브마린(BMRC) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$491M

스몰캡

P/E

배당수익률

3.30%

52주 위치

100%

저점 +39% · 고점 -0%

애널리스트

매수

C+

Fundamental health

vs. 배당주 소형주· based on 3 axes

수익성

산출 불가 (적자)

성장

Top 41%

밸류에이션

Top 27%

재무 안정

Top 83%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 3년 (not other companies).

Very cheap

Cheap

Typical

Pricey

🔥 Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 43원. Over the past 3년, it usually traded around 14원. One of the priciest stretches of the past 3년.

Pricy doesn't mean bad — it means expectations are already baked in.· based on 3.4 profitable years

Index ⓘ	RUT	P/E ⓘ	-	EPS (ttm) ⓘ	-2.02	Insider Own ⓘ	5.02%	Shs Outstand ⓘ	16.2M	Perf Week ⓘ	5.98%
Market Cap ⓘ	0.49B	Forward P/E ⓘ	12.64	EPS next Y ⓘ	9.6%	Insider Trans ⓘ	0.02%	Shs Float ⓘ	15.4M	Perf Month ⓘ	15.12%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	0.56	Inst Own ⓘ	65.42%	Short Float ⓘ	5.46%	Perf Quarter ⓘ	17.12%
Income ⓘ	-0.03B	P/S ⓘ	5.82	EPS this Y ⓘ	197.62%	Inst Trans ⓘ	1.85%	Short Ratio ⓘ	6.11	Perf Half Y ⓘ	14.69%
Sales ⓘ	0.08B	P/B ⓘ	1.24	EPS next 5Y ⓘ	-	ROA ⓘ	-0.83%	Short Interest ⓘ	0.84M	Perf YTD ⓘ	16.49%
Book/sh ⓘ	24.37	P/C ⓘ	-	EPS past 3/5Y ⓘ	-	ROE ⓘ	-7.68%	52W High ⓘ	-0.13% ($30.34)	Perf Year ⓘ	27.42%
Cash/sh ⓘ	-	P/FCF ⓘ	14.79	Sales past 3/5Y ⓘ	-18.69% -6.87%	ROIC ⓘ	-6.97%	52W Low ⓘ	39.18% ($21.77)	Perf 3Y ⓘ	45.32%
Dividend Est. ⓘ	$1 (3.3%)	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	-412.21%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	2.52% 3.18%	Perf 5Y ⓘ	-8.1%
Dividend TTM ⓘ	1	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	-30.41%	Oper. Margin ⓘ	-56.19%	ATR (14) ⓘ	0.89	Perf 10Y ⓘ	20.29%
Dividend Ex-Date ⓘ	2026/5/7	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	74.86%	Profit Margin ⓘ	-38.01%	RSI (14) ⓘ	69.81	Recom ⓘ	2
Dividend Gr. 3/5Y ⓘ	0.68% 1.68%	Current Ratio ⓘ	0.08	Sales Q/Q ⓘ	22.34%	SMA20 ⓘ	6.11% ($28.56)	Beta ⓘ	0.77	Target Price ⓘ	$29.2
Payout ⓘ	-	Debt/Eq ⓘ	0.18	Earnings ⓘ	2026/7/27	SMA50 ⓘ	12.19% ($27.01)	Rel Volume ⓘ	1.89	Prev Close ⓘ	$28.77
Employees ⓘ	311	LT Debt/Eq ⓘ	0.17	EPS/Sales Surpr. ⓘ	12.62% -0.21%	SMA200 ⓘ	15.62% ($26.21)	Avg Volume(3M) ⓘ	0.14M	Price ⓘ	$30.3
IPO ⓘ	1994/4/28	Option/Short ⓘ	Yes/Yes			Trades ⓘ	4349	Volume ⓘ	259,336	Change ⓘ	5.32%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12

25.3

25.6

25.9

25.12

26.3

Revenue Net income 최근 분기: 매출 $43M (YoY +21%) · 순이익 $9M (YoY +75%)

📊 Bank of Marin Bancorp (BMRC) Investment Analysis

What kind of company is Bank of Marin Bancorp?

뱅크오브마린(BMRC) 배당주

Financial · Banks - Regional

Small-Cap — Low Volume, High Volatility

A community bank holding company based in Northern California that provides commercial and consumer financial services. With deposits and commercial lending at its core, along with a relationship-driven business approach, this small community bank (BMRC) has built a stable deposit base through its locally focused community banking model.

Learn more about Bank of Marin Bancorp →

Market Cap

$0.5B

Approx. KRW 0.7 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank3221

Employees311people

IPO1994/04/28

Current Price$30.30 ≈ 41,511원

📌 RUT · NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 7월 27일 (월) · 장 시작 전 EPS +12.6% 매출 -0.2%

🎯 Ex-div 2026년 5월 7일 (목) 주당 $0.25

🔔 Earnings release 2026년 4월 27일 (월) · 장 시작 전 EPS -3.0% 매출 +0.8%

🎯 Ex-div 2026년 2월 5일 (목) 주당 $0.25

Is it profitable?

Both profitability & finances need caution

Review management risk carefully before investing

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

-56.2%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Net Margin

Share of revenue left after taxes and interest are paid

-38.0%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROE

Annual return earned on shareholders' equity (15%+ is strong)

-7.7%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROA

Annual earnings relative to total company assets

-0.8%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROIC

Return generated per dollar invested in the business

-7.0%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.18

✓ Very low debt

My positionTop 25%

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.08

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$29.20

현재가 대비 -3.6%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

12.64배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

내년 EPS 예상 성장률

+9.6%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Mixed beats and misses

예상 상회

예상 부합

예상 하회

50%

상회 비율

+4.8%

평균 서프라이즈

2026.07.27

상회

+12.6%

2026.04.27

하회

실적 $0.53 · 예상 $0.55 -3.0%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Turnaround Expected

Past performance was weak, but the outlook is positive

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+197.6%

우수

My positionTop 5%

Low range Average High range

배당주 소형주 Median 4.4% · Top tier

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+9.6%

양호

My positionMid-range

Low range Average High range

배당주 소형주 Median 9.2% · Top 49%

📊 How much has it grown? (actual results)

Past 5-Year Revenue

How much revenue grew over the past 5 years

-6.9%

매우 부진

My positionBottom 5%

Low range Average High range

배당주 소형주 Median 7.4% · Bottom tier

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+22.3%

우수

My positionTop 25%

Low range Average High range

배당주 소형주 Median 1.6% · Top 14%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -76%p below the market

BMRC -8.1% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-76.4%p

Significantly behind the market

1-year basis

vs S&P 500

+11.4%p

ahead of the market

Rank among peers

5-year return Lowest among peers Based on 130 peers

1-year return Lower-Mid (lower 42%) Based on 134 peers

Current position within 52-week range

Low (-39.2%p) High (-0.1%p)

Current price is 39.2% above the 52-week low and 0.1% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-14.6%

Annualized volatility

25.1%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

⚠️

Current diagnosis · 2026-07-27

Overbought zone — short-term pullback possible

Current price $30.30 broke above the upper band ($29.70). Stronger buying than average, but signals short-term overheating. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

✨

Current diagnosis · 2026-07-27

Golden cross — bullish reversal signal

MACD(0.630) crossed above Signal(0.600). Trend reversal possible; read as a buy entry point.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 69.8 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 80.2.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

In line with the industry average

Cheap on Vs. Assets, Pricey on Vs. Earnings·Vs. Sales, In line with peers on Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🏢 Vs. Assets Cheap

🧾 Vs. Sales Pricey

💧 Vs. Cash Flow Mid-range

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

12.64x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 소형주 median 10.26x · Bottom 14% — expensive within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.24x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Regional 소형주 median 1.30x · Around the industry average

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

5.82x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 소형주 median 2.49x · Bottom 1% — expensive within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

14.79x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 소형주 median 12.07x · Around the industry average

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$29.20 vs. current price -3.6%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 소형주

Who owns it?

Ownership flow is positive

Insider modest net buying +0.0% · Institutional net buying +1.9% · Short interest moderate 5.5% · Short interest up +1.2pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

+0.0%

Insiders little change

🏦 Institutions (funds & investors)

+1.9%

Institutions net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 65.4%

Adequate institutional weight

Financial 소형주 Median 42.5%

🧑‍💼 Insiders 5.0%

Meaningful insider stake

Financial 소형주 Median 14.2%

👤 Retail investors (estimated) 29.6%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

5.5%

Moderate

Financial 소형주 Median 0.8%

Past 90 days 📈 +1.2%p increase

Short interest days to cover

6.1 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 16.2M주

Float (tradable shares) 15.4M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding BMRC

ETFs with the highest weightings · 10 total shown

EIRL

iShares MSCI Ireland ETF

11.22%

$75M

CBON

VanEck China Bond ETF

4.53%

$26M

EPHE

iShares MSCI Philippines ETF

4.37%

$134M

SCAP

Infrastructure Capital Small Cap Income ETF

3.91%

$20M

FPFD

Fidelity Preferred Securities & Income ETF

3.91%

$81M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당주 — 연 3.3% 배당

5년 배당 성장률 1.68%

Dividend Yield

3.30%

Industry average 2.62%

Dividend Per Share

$1.00

Annualized

Payout Ratio

Share of net income paid as dividends

5-Year Growth

1.7%

Annualized dividend growth

📅 지급월 2월 · 8월 · 11월

📊 총 이력 2004~2026 (85건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.51 +13.3%

2016

$0.56 +9.8%

2017

$0.64 +13.4%

2018

$0.80 +26.0%

2019

$0.92 +15.0%

2020

$0.94 +2.2%

2021

$0.98 +4.3%

2022

$1.00 +2.0%

2023

$1.00 +0.0%

2024

$1.00 +0.0%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 85건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-02-05

$0.250

—

4.66%

2025-11-06

$0.250

—

4.88%

2025-08-07

$0.250

—

5.72%

2025-05-08

$0.250

—

5.91%

2025-02-06

$0.250

—

4.90%

2024-11-07

$0.250

—

4.02%

2024-08-08

$0.250

—

5.54%

2024-05-08

$0.250

—

6.26%

2024-02-07

$0.250

—

5.78%

2023-11-02

$0.250

—

6.89%

2023-08-03

$0.250

—

5.88%

2023-05-04

$0.250

—

8.97%

2023-02-02

$0.250

—

3.98%

2022-11-04

$0.250

—

3.45%

2022-08-04

$0.250

—

3.03%

2022-05-05

$0.240

—

2.96%

2022-02-03

$0.240

—

3.21%

2021-11-04

$0.240

—

3.08%

2021-07-29

$0.240

—

3.40%

2021-04-29

$0.230

—

3.18%

2021-02-04

$0.230

—

3.12%

2020-11-05

$0.230

—

3.00%

2020-07-30

$0.230

—

3.50%

2020-04-30

$0.230

—

3.25%

2020-02-06

$0.230

—

2.33%

2019-10-31

$0.210

—

2.22%

2019-08-01

$0.210

—

2.19%

2019-05-02

$0.190

—

2.09%

2019-02-07

$0.190

—

1.62%

2018-10-31

$0.175

—

1.84%

2018-08-02

$0.160

—

1.68%

2018-05-03

$0.155

—

1.91%

2018-02-01

$0.145

—

2.05%

2017-11-02

$0.145

—

2.01%

2017-08-02

$0.145

—

2.07%

2017-05-03

$0.135

—

2.09%

2017-02-01

$0.135

—

1.89%

2016-11-02

$0.135

—

2.03%

2016-08-03

$0.125

—

2.03%

2016-05-04

$0.125

—

1.96%

2016-02-03

$0.125

—

2.23%

2015-10-28

$0.120

—

2.07%

2015-07-29

$0.110

—

2.29%

2015-04-29

$0.110

—

2.09%

2015-02-04

$0.110

—

2.05%

2014-10-29

$0.110

—

2.04%

2014-07-30

$0.100

—

2.10%

2014-04-30

$0.095

—

1.65%

2014-02-05

$0.095

—

1.71%

2013-10-30

$0.095

—

2.09%

2013-07-30

$0.090

—

2.15%

2013-04-29

$0.090

—

2.27%

2013-01-30

$0.090

—

1.78%

2012-10-31

$0.090

—

2.33%

2012-07-31

$0.090

—

2.27%

2012-05-01

$0.085

—

2.24%

2012-01-30

$0.085

—

2.11%

2011-11-01

$0.085

—

2.44%

2011-08-02

$0.080

—

1.66%

2011-05-03

$0.080

—

1.75%

2011-02-01

$0.080

—

2.16%

2010-11-01

$0.080

—

1.84%

2010-07-29

$0.075

—

2.22%

2010-04-29

$0.075

—

2.10%

2010-02-02

$0.075

—

1.85%

2009-10-29

$0.075

—

2.14%

2009-07-30

$0.070

—

2.21%

2009-04-29

$0.070

—

2.75%

2009-01-29

$0.070

—

3.49%

2008-10-30

$0.070

—

2.58%

2008-07-30

$0.070

—

2.40%

2008-04-29

$0.070

—

2.33%

2008-02-13

$0.070

—

1.74%

2007-11-19

$0.065

—

1.79%

2007-08-21

$0.065

—

1.60%

2007-06-20

$0.001

—

1.49%

2007-05-17

$0.065

—

1.82%

2007-02-12

$0.060

—

1.49%

2006-11-15

$0.060

—

1.66%

2006-08-16

$0.060

—

1.70%

2006-05-17

$0.060

—

1.24%

2006-02-15

$0.048

—

0.82%

2005-11-17

$0.048

—

0.60%

2005-08-17

$0.048

—

0.28%

2004-05-25

$0.181

—

1.32%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 2.8만원

5년 누적 (세후) 14.5만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 1.68% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
BMRC This Stock	$490.6M	-	1.2 ▲	-7.68% ▼	3.3% ▲	+5.3%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 뱅크오브마린(BMRC)?

뱅크오브마린(BMRC) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of BMRC?

The market cap of BMRC is approximately $491M, ranking 3,221 within its sector.

Does BMRC pay dividends?

BMRC has a dividend yield of approximately 3.30%, with an annual dividend of $1.00.

What is the 52-week high and low for BMRC?

BMRC has recorded a 52-week high of $30.34 and a low of $21.77.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.