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Bank of Marin (BMRC) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

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Bank of Marin (BMRC - Free Report) reported $27.82 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 9.3%. EPS of $0.30 for the same period compares to $0.18 a year ago.

The reported revenue represents a surprise of -0.84% over the Zacks Consensus Estimate of $28.06 million. With the consensus EPS estimate being $0.32, the EPS surprise was -6.25%.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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% versus the three-analyst average estimate of 2.9%.
  • Efficiency Ratio: 76.4% versus the three-analyst average estimate of 73.4%.
  • Average Balance - Total interest earning assets: $3.51 billion versus $3.49 billion estimated by two analysts on average.
  • Total non-accrual loans: $32.92 million compared to the $28.87 million average estimate based on two analysts.
  • Net interest income: $24.95 million compared to the $25.26 million average estimate based on three analysts.
  • Total non-interest income: $2.87 million versus $2.65 million estimated by three analysts on average.
  • Net Interest Income (FTE): $25.12 million versus $25.37 million estimated by two analysts on average.
View all Key Company Metrics for Bank of Marin here>>>

Shares of Bank of Marin have returned -5.2% over the past month versus the Zacks S&P 500 composite's -4.3% 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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