Bank of Marin (BMRC) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - Bank of Marin (BMRC) reported a revenue of $34.17 million for the quarter ended December 2025, marking a year-over-year increase of 22.1% and exceeding the Zacks Consensus Estimate of $33.35 million by 2.47% [1] - The earnings per share (EPS) for the same period was $0.59, up from $0.38 a year ago, representing a surprise of 16.44% compared to the consensus estimate of $0.51 [1] Financial Performance Metrics - The net interest margin (FTE) was reported at 3.3%, matching the average estimate from three analysts [4] - Total non-accrual loans stood at $26.9 million, lower than the estimated $28.83 million by two analysts [4] - Average balance of total interest-earning assets was $3.69 billion, exceeding the estimate of $3.62 billion from two analysts [4] - Net interest income was reported at $31.18 million, surpassing the average estimate of $30.37 million from three analysts [4] - Total non-interest income reached $2.82 million, slightly above the average estimate of $2.79 million from three analysts [4] - Net interest income (FTE) was $31.36 million, compared to the estimated $30.59 million from two analysts [4] Stock Performance - Shares of Bank of Marin have returned -0.6% over the past month, while the Zacks S&P 500 composite has seen a +0.2% change [3] - The stock currently holds a Zacks Rank 1 (Strong Buy), indicating potential for outperformance in the near term [3]