Bank of Marin Bancorp(US:BMRC) Financial Modeling Prepยท2025-10-27 20:00Core Insights - Bank of Marin Bancorp (NASDAQ:BMRC) reported an earnings per share (EPS) of $0.47 for Q3 2025, exceeding the estimated $0.42, resulting in an 11.9% earnings surprise [2] - The company experienced a significant year-over-year EPS increase from $0.28, indicating strong profitability growth [2][5] - Despite the positive EPS results, BMRC's revenue for the quarter was approximately $28.19 million, which fell short of the estimated $30.92 million [3] Financial Performance - BMRC showcased a 14.5% increase in year-over-year revenue, reflecting its ability to grow its top line despite missing revenue estimates [5] - The price-to-earnings (P/E) ratio is around 41.40, indicating that investors are willing to pay a premium for the company's earnings [3] - The price-to-sales ratio stands at 3.08, suggesting a relatively high valuation compared to sales [3] Financial Health - The company maintains a low debt-to-equity ratio of 0.044, indicating minimal reliance on debt [4][5] - A high current ratio of 80.64 suggests strong liquidity, enabling BMRC to effectively cover its short-term liabilities [4][5] - These financial metrics highlight the company's solid financial foundation and potential for future growth [4]