Bank of Marin Bancorp (BMRC)
Market Price (5/1/2026): $26.02 | Market Cap: $413.9 MilSector: Financials | Industry: Regional Banks
Bank of Marin Bancorp (BMRC)
Market Price (5/1/2026): $26.02Market Cap: $413.9 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.4%, Dividend Yield is 4.0%, FCF Yield is 8.4% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -62% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 48% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 37% Low stock price volatilityVol 12M is 28% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Weak multi-year price returns3Y Excs Rtn is -15% | Expensive valuation multiplesP/EPrice/Earnings or Price/(Net Income) is 41x Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -3.6% Key risksBMRC key risks include [1] intense competition from larger super-regional and national commercial banks that possess greater financial resources, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.4%, Dividend Yield is 4.0%, FCF Yield is 8.4% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -62% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 48% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 37% |
| Low stock price volatilityVol 12M is 28% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Weak multi-year price returns3Y Excs Rtn is -15% |
| Expensive valuation multiplesP/EPrice/Earnings or Price/(Net Income) is 41x |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -3.6% |
| Key risksBMRC key risks include [1] intense competition from larger super-regional and national commercial banks that possess greater financial resources, Show more. |
Qualitative Assessment
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1. The stock experienced a decline following its Q1 2026 earnings report on April 27, 2026, where the company reported an earnings per share (EPS) of $0.53, missing the analyst consensus estimate of $0.56 by $0.03. This EPS shortfall, despite beating revenue estimates of $33.87 million with reported revenue of $34.29 million, led to a 0.81% drop in the stock price on the day of the announcement.
2. Broader macroeconomic headwinds and a downturn in the regional banking sector significantly impacted investor sentiment. The SPDR S&P Regional Banking ETF (KRE), which includes BMRC, plummeted approximately 5% on March 2, 2026, marking a volatile period for financial institutions. This sector-wide weakness was driven by factors such as rising inflation risk, which reduced expectations for interest rate cuts in 2026, and a general slowdown in the U.S. economy. Regional banks also faced slowing net interest income growth and cautious commercial lending.
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Stock Movement Drivers
Fundamental Drivers
The -3.6% change in BMRC stock from 1/31/2026 to 4/30/2026 was primarily driven by a -3.6% change in the company's P/E Multiple.| (LTM values as of) | 1312026 | 4302026 | Change |
|---|---|---|---|
| Stock Price ($) | 26.61 | 25.64 | -3.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 93 | 93 | 0.0% |
| Net Income Margin (%) | 10.6% | 10.6% | 0.0% |
| P/E Multiple | 42.9 | 41.3 | -3.6% |
| Shares Outstanding (Mil) | 16 | 16 | 0.0% |
| Cumulative Contribution | -3.6% |
Market Drivers
1/31/2026 to 4/30/2026| Return | Correlation | |
|---|---|---|
| BMRC | -3.6% | |
| Market (SPY) | 3.6% | 41.3% |
| Sector (XLF) | -1.9% | 59.4% |
Fundamental Drivers
The 1.4% change in BMRC stock from 10/31/2025 to 4/30/2026 was primarily driven by a 37.3% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 4302026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.27 | 25.64 | 1.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 90 | 93 | 4.0% |
| Net Income Margin (%) | 7.7% | 10.6% | 37.3% |
| P/E Multiple | 58.5 | 41.3 | -29.3% |
| Shares Outstanding (Mil) | 16 | 16 | 0.5% |
| Cumulative Contribution | 1.4% |
Market Drivers
10/31/2025 to 4/30/2026| Return | Correlation | |
|---|---|---|
| BMRC | 1.4% | |
| Market (SPY) | 5.5% | 30.7% |
| Sector (XLF) | 0.4% | 53.8% |
Fundamental Drivers
The 30.3% change in BMRC stock from 4/30/2025 to 4/30/2026 was primarily driven by a 33.4% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 4302025 | 4302026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.68 | 25.64 | 30.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 70 | 93 | 33.4% |
| P/S Multiple | 4.5 | 4.4 | -2.5% |
| Shares Outstanding (Mil) | 16 | 16 | 0.2% |
| Cumulative Contribution | 30.3% |
Market Drivers
4/30/2025 to 4/30/2026| Return | Correlation | |
|---|---|---|
| BMRC | 30.3% | |
| Market (SPY) | 30.4% | 42.3% |
| Sector (XLF) | 8.6% | 57.7% |
Fundamental Drivers
The 68.8% change in BMRC stock from 4/30/2023 to 4/30/2026 was primarily driven by a 694.7% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 4302026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.19 | 25.64 | 68.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 138 | 93 | -32.6% |
| Net Income Margin (%) | 33.7% | 10.6% | -68.6% |
| P/E Multiple | 5.2 | 41.3 | 694.7% |
| Shares Outstanding (Mil) | 16 | 16 | 0.3% |
| Cumulative Contribution | 68.8% |
Market Drivers
4/30/2023 to 4/30/2026| Return | Correlation | |
|---|---|---|
| BMRC | 68.8% | |
| Market (SPY) | 78.7% | 36.9% |
| Sector (XLF) | 65.0% | 56.5% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BMRC Return | 11% | -9% | -29% | 14% | 14% | -1% | -8% |
| Peers Return | 13% | 20% | -15% | 8% | 3% | 11% | 43% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 4% | 90% |
Monthly Win Rates [3] | |||||||
| BMRC Win Rate | 67% | 42% | 33% | 58% | 50% | 50% | |
| Peers Win Rate | 56% | 48% | 38% | 48% | 50% | 80% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| BMRC Max Drawdown | -9% | -18% | -57% | -34% | -17% | -9% | |
| Peers Max Drawdown | -1% | -5% | -46% | -21% | -14% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: WABC, TCBK, CVBF, MCHB, HFWA.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/30/2026 (YTD)
How Low Can It Go
| Event | BMRC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -21.2% | -18.8% |
| % Gain to Breakeven | 26.9% | 23.1% |
| Time to Breakeven | 83 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -15.3% | -9.5% |
| % Gain to Breakeven | 18.1% | 10.5% |
| Time to Breakeven | 21 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -54.1% | -6.7% |
| % Gain to Breakeven | 117.6% | 7.1% |
| Time to Breakeven | 936 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -18.3% | -24.5% |
| % Gain to Breakeven | 22.4% | 32.4% |
| Time to Breakeven | 184 days | 427 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -12.2% | -17.9% |
| % Gain to Breakeven | 14.0% | 21.8% |
| Time to Breakeven | 24 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -10.8% | -15.4% |
| % Gain to Breakeven | 12.1% | 18.2% |
| Time to Breakeven | 11 days | 125 days |
In The Past
Bank of Marin Bancorp's stock fell -21.2% during the 2025 US Tariff Shock. Such a loss loss requires a 26.9% gain to breakeven.
Preserve Wealth
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Asset Allocation
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| Event | BMRC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -21.2% | -18.8% |
| % Gain to Breakeven | 26.9% | 23.1% |
| Time to Breakeven | 83 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -54.1% | -6.7% |
| % Gain to Breakeven | 117.6% | 7.1% |
| Time to Breakeven | 936 days | 31 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -38.7% | -53.4% |
| % Gain to Breakeven | 63.2% | 114.4% |
| Time to Breakeven | 108 days | 1085 days |
In The Past
Bank of Marin Bancorp's stock fell -21.2% during the 2025 US Tariff Shock. Such a loss loss requires a 26.9% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Bank of Marin Bancorp (BMRC)
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Here are 1-3 brief analogies for Bank of Marin Bancorp (BMRC):
A local Bank of America, specifically serving businesses and individuals in Northern California's Marin and Sonoma counties.
Like a community-oriented U.S. Bank, providing a full range of financial and wealth management services to businesses and professionals north of San Francisco.
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- Deposit Accounts: Offers various checking, savings, individual retirement, health savings, and time deposit accounts for individuals and businesses.
- Lending Services: Provides commercial real estate, commercial and industrial, consumer, construction, and home equity lines of credit.
- Cash Management Services: Delivers merchant, payroll, fraud detection, and advanced digital banking tools like remote deposit capture and wire transfers to businesses.
- Credit Cards: Issues credit cards to support consumer and business financial needs.
- Wealth Management & Trust Services: Offers customized investment portfolio management, financial planning, trust administration, estate settlement, and 401(k) plan services.
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Bank of Marin Bancorp (BMRC) primarily serves the following categories of customers:
- Small to medium-sized businesses
- Professionals
- Not-for-profit organizations
- Individuals
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Here is the management team for Bank of Marin Bancorp:Timothy D. Myers President & Chief Executive Officer
Tim Myers began his career at Bank of Marin in 2007 as regional manager of the San Francisco Commercial Banking Office. He was promoted to lead the Commercial Banking division in 2013, named chief operating officer in 2020, and assumed the role of President and CEO in November 2021. Prior to joining Bank of Marin, he held leadership roles at other financial institutions, including vice president and Commercial Banking officer at U.S. Bank, National Association, and Comerica Bank. Myers has nearly 30 years of experience in financial services.
Dave Bonaccorso Executive Vice President, Chief Financial Officer and Principal Accounting Officer
Dave Bonaccorso was appointed Executive Vice President, Chief Financial Officer, and Principal Accounting Officer of Bank of Marin Bancorp, effective January 2, 2025. He joined Bank of Marin in August 2023 as treasurer, playing a critical role in the Bank's 2024 balance sheet and repositioning activities. Bonaccorso's career in financial services began in 1995. He previously served as the treasurer of Rabobank, N.A. and Mechanics Bank from January 2018 to September 2023. Earlier in his career, he worked in investment banking, providing fixed income and equity markets services to over 200 West Coast banks at firms such as Wells Fargo Securities and Keefe, Bruyette & Woods.
Misako Stewart Executive Vice President, Chief Credit Officer
Misako Stewart joined Bank of Marin in 2013 as a Senior Vice President, Commercial Banking Manager. She was named Senior Vice President, Senior Credit Manager within Commercial Banking in 2018, before becoming Chief Credit Officer in 2021, succeeding Beth Reizman. Stewart has over 30 years of experience, primarily focused on credit administration for mid-sized businesses and commercial lending, including a niche in wine industry finance. She previously served as Vice President in Commercial Banking at Union Bank for seven years.
Sathis Arasadi Executive Vice President, Chief Information Officer
Sathis Arasadi joined Bank of Marin in 2023 as Chief Information Officer. In this role, he is responsible for Technology, Security, Facilities/Administrative Services, Fraud Analysis, and Operations. Arasadi's career in financial services spans over two decades, specializing in engineering and financial technology (fintech), where he has directed large-scale digital and technology transformations.
Brandi Campbell Executive Vice President, Head of Retail Banking
Brandi Campbell oversees Bank of Marin's retail division, which includes a network of over 30 branches across Northern California. She became the head of Retail Banking in 2020. Prior to this role, she was the bank's regional manager, responsible for building market share in Napa, Sonoma, and Alameda counties. Campbell has nearly 30 years of experience in the financial services industry, having spent a majority of her career as a senior leader in consumer banking and customer service at Bank of America.
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The key risks to Bank of Marin Bancorp (BMRC) include:
- Commercial Real Estate (CRE) Exposure and Credit Risk: As a regional bank operating in California, Bank of Marin Bancorp is significantly exposed to commercial real estate loans, a sector facing considerable pressure. The commercial property market is experiencing increasing vacancies and declining property values due to high interest rates, which heightens the risk of loan defaults for banks. Office loan delinquencies, in particular, are surging and approaching levels seen during the 2008 financial crisis. A substantial volume of CRE loans is scheduled for refinancing in the near future, which could exacerbate difficulties for borrowers in the current higher interest rate environment. Bank of Marin Bancorp's 2025 annual report indicates increasing credit risk and loan modifications, and the bank is preparing for further credit deterioration, which could negatively impact its profitability and capital ratios.
- Population Decline and Economic Slowdown in Core Markets: Bank of Marin Bancorp's primary market in Marin County is experiencing persistent out-migration and a shrinking population. This demographic trend is undermining long-term local labor force and consumer services demand, creating a fundamental challenge for the bank's organic deposit and loan growth. The population of Marin County declined between 2022 and 2023, and is projected to continue decreasing, which poses a significant headwind for the bank's long-term expansion. Additionally, the local economy in Marin County is anticipated to slow down in late 2025.
- Material Weakness in Internal Control over Financial Reporting: Bank of Marin Bancorp identified material classification errors in certain reciprocal network deposits and related expenses, necessitating a restatement of its audited financial statements for 2023–2024 and multiple interim periods in 2024–2025. Although these errors did not affect net income or earnings per share, the company concluded that a material weakness existed in its internal control over financial reporting as of December 31, 2025. This material weakness indicates a significant deficiency in the bank's internal processes for financial reporting, which could impact investor confidence and lead to increased regulatory scrutiny until fully remediated.
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The continued rise and sophistication of digital-only banks (neobanks), fintech companies, and alternative lending platforms pose a clear emerging threat to Bank of Marin Bancorp. These digital-first competitors leverage technology to offer banking, lending, payment, and wealth management services with significantly lower overheads, often providing superior digital user experiences, more competitive rates, and streamlined processes. This directly challenges BMRC's traditional branch-based model for attracting and retaining individuals, small to medium-sized businesses, and professionals in its geographic markets, potentially eroding its deposit base, lending opportunities, and wealth management clientele.
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Bank of Marin Bancorp (BMRC) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives and market conditions: * **Net Interest Margin (NIM) Expansion through Balance Sheet Repositioning:** The company completed a strategic balance sheet repositioning in the fourth quarter of 2025, which involved selling securities and reinvesting the proceeds into higher-yielding loans and short-duration securities. This initiative is designed to improve future earnings, increase net interest margin, and drive earnings per share growth. Management anticipates this repositioning will contribute approximately $0.40 per share in earnings accretion over twelve months and lead to a 25 basis point lift to net interest margin. The bank aims for margin expansion to historical levels above 4%. * **Robust Loan Growth:** Bank of Marin Bancorp is forecasting mid-single-digit loan growth for 2026. The loan pipeline was reportedly 30% higher than the previous year in Q4 2025, with newly funded loans reaching $106.5 million in the quarter. The bank has also observed healthy demand for commercial real estate (CRE) loans that meet its underwriting standards and is experiencing diversified loan originations across various commercial banking categories. Total loan originations for the full year 2025 were $374 million, with $274 million funded, marking a 79% increase from the prior year. * **Effective Management of Deposit Costs and Continued Deposit Growth:** The company has demonstrated success in managing its deposit costs, with strategic pricing adjustments leading to a 10 basis point reduction in the cost of deposits in Q4 2025. Deposits increased at an annualized rate of 3.90% in Q4 2025, and non-interest-bearing deposits constituted a strong 43.7% of total deposits. Management plans to continue making targeted deposit cost reductions in 2026, which are expected to further contribute to margin expansion. Deposit growth is being achieved through both long-term client relationships and the addition of new client relationships. * **Expansion into Growth Markets and Digital Investments:** Bank of Marin Bancorp is also focusing on expansion into key growth markets, such as the Greater Sacramento area, and making digital investments. These efforts are anticipated to boost revenue, enhance efficiency, strengthen client relationships, and reduce long-term costs.AI Analysis | Feedback
Share Repurchases
- Bank of Marin Bancorp's board authorized a new stock repurchase program of up to $25.0 million through July 31, 2027, replacing a prior program approved in 2023.
- Under the program approved in 2023, the Bancorp repurchased $6.4 million worth of shares.
- In fiscal year 2024, the company spent $4.3 million on share buybacks.
Share Issuance
- In August 2021, as part of the acquisition of American River Bankshares, each share of American River Bankshares common stock was converted into 0.575 shares of Bank of Marin Bancorp common stock.
- On March 2, 2026, an executive vice president received a grant of 6,496 common shares as an equity award.
Outbound Investments
- In April 2021, Bank of Marin Bancorp announced the acquisition of American River Bank, expanding its reach into the Sacramento area.
- The acquisition of American River Bankshares was completed in August 2021, with the total deal consideration valued at approximately $125 million.
Capital Expenditures
- Bank of Marin Bancorp invested $520K in capital expenditures in fiscal year 2024.
- This amount represents a 70.3% decrease in capital expenditures from the prior year.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Is Bank of Marin Bancorp Stock Built to Withstand a Pullback? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
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| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 26.58 |
| Mkt Cap | 1.5 |
| Rev LTM | 335 |
| Op Inc LTM | - |
| FCF LTM | 120 |
| FCF 3Y Avg | 122 |
| CFO LTM | 122 |
| CFO 3Y Avg | 127 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.2% |
| Rev Chg 3Y Avg | 0.1% |
| Rev Chg Q | 14.9% |
| QoQ Delta Rev Chg LTM | 3.9% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 38.9% |
| CFO/Rev 3Y Avg | 37.7% |
| FCF/Rev LTM | 36.9% |
| FCF/Rev 3Y Avg | 35.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.5 |
| P/S | 4.8 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 13.3 |
| P/CFO | 11.3 |
| Total Yield | 10.5% |
| Dividend Yield | 3.5% |
| FCF Yield 3Y Avg | 10.2% |
| D/E | 0.0 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 5.1% |
| 3M Rtn | 3.9% |
| 6M Rtn | 14.7% |
| 12M Rtn | 23.0% |
| 3Y Rtn | 59.7% |
| 1M Excs Rtn | -5.3% |
| 3M Excs Rtn | 0.5% |
| 6M Excs Rtn | 9.0% |
| 12M Excs Rtn | -7.0% |
| 3Y Excs Rtn | -19.7% |
Price Behavior
| Market Price | $25.64 | |
| Market Cap ($ Bil) | 0.4 | |
| First Trading Date | 12/23/1999 | |
| Distance from 52W High | -7.4% | |
| 50 Days | 200 Days | |
| DMA Price | $25.49 | $25.09 |
| DMA Trend | up | down |
| Distance from DMA | 0.6% | 2.2% |
| 3M | 1YR | |
| Volatility | 24.9% | 28.2% |
| Downside Capture | 0.52 | 0.45 |
| Upside Capture | 56.66 | 88.58 |
| Correlation (SPY) | 38.3% | 42.1% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.58 | 0.44 | 0.65 | 0.57 | 0.95 | 0.91 |
| Up Beta | 0.74 | 0.63 | 0.68 | 0.87 | 1.28 | 0.96 |
| Down Beta | 1.09 | 0.44 | 0.60 | 0.32 | 0.79 | 0.90 |
| Up Capture | 11% | 34% | 54% | 45% | 80% | 71% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 10 | 20 | 31 | 56 | 116 | 358 |
| Down Capture | 173% | 37% | 77% | 62% | 89% | 96% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 11 | 22 | 32 | 68 | 132 | 381 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BMRC | |
|---|---|---|---|---|
| BMRC | 27.4% | 28.3% | 0.85 | - |
| Sector ETF (XLF) | 8.8% | 14.7% | 0.36 | 57.4% |
| Equity (SPY) | 30.6% | 12.5% | 1.88 | 42.2% |
| Gold (GLD) | 38.6% | 27.2% | 1.18 | -11.1% |
| Commodities (DBC) | 48.6% | 18.0% | 2.07 | -16.1% |
| Real Estate (VNQ) | 13.9% | 13.5% | 0.71 | 36.6% |
| Bitcoin (BTCUSD) | -19.3% | 42.1% | -0.39 | 23.5% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BMRC | |
|---|---|---|---|---|
| BMRC | -2.6% | 33.7% | -0.01 | - |
| Sector ETF (XLF) | 10.0% | 18.7% | 0.41 | 53.4% |
| Equity (SPY) | 12.9% | 17.1% | 0.59 | 37.1% |
| Gold (GLD) | 20.6% | 17.9% | 0.94 | -4.8% |
| Commodities (DBC) | 14.4% | 19.1% | 0.62 | 8.3% |
| Real Estate (VNQ) | 3.6% | 18.8% | 0.09 | 36.4% |
| Bitcoin (BTCUSD) | 8.3% | 56.2% | 0.36 | 12.8% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BMRC | |
|---|---|---|---|---|
| BMRC | 3.6% | 34.7% | 0.20 | - |
| Sector ETF (XLF) | 12.7% | 22.2% | 0.53 | 61.2% |
| Equity (SPY) | 14.9% | 17.9% | 0.71 | 46.5% |
| Gold (GLD) | 13.5% | 15.9% | 0.70 | -4.1% |
| Commodities (DBC) | 9.7% | 17.7% | 0.46 | 15.1% |
| Real Estate (VNQ) | 5.9% | 20.7% | 0.25 | 43.8% |
| Bitcoin (BTCUSD) | 67.1% | 66.9% | 1.06 | 11.8% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/26/2026 | 3.7% | 1.6% | -1.3% |
| 10/27/2025 | 4.9% | 5.2% | 8.9% |
| 7/28/2025 | -0.6% | -6.6% | 2.1% |
| 4/28/2025 | 0.7% | 2.6% | 3.0% |
| 1/27/2025 | 5.6% | 5.3% | 4.3% |
| 10/28/2024 | 4.3% | 1.6% | 21.9% |
| 7/29/2024 | -12.3% | -16.4% | -6.4% |
| 4/29/2024 | -6.5% | 0.8% | 0.6% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 12 | 11 |
| # Negative | 12 | 11 | 12 |
| Median Positive | 3.3% | 2.2% | 8.9% |
| Median Negative | -2.7% | -6.8% | -4.0% |
| Max Positive | 5.6% | 13.4% | 21.9% |
| Max Negative | -12.3% | -16.4% | -20.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/12/2025 | 10-Q |
| 12/31/2024 | 03/14/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 03/14/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/16/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| 06/30/2022 | 08/08/2022 | 10-Q |
| 03/31/2022 | 05/09/2022 | 10-Q |
| 12/31/2021 | 03/15/2022 | 10-K |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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