Bank of Marin Bancorp — Earnings Quality Grade B
BMRC · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue -58.6%, CFFO 37.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 249.8% is >2x revenue growth -58.6%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = -1.10. Below 1.0
FCF $0.0B, FCF/NI = -1.04
Accruals ratio = -1.9%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 19% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Bank of Marin Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25