Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors…
FAIL · Does not pass the screen
28.89 USD
Price as of 28 Oct 2026Daily close, not a live quote
Screened 2026-10-28 · the tape above runs as of 16:02 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price28.89 USD at the 28 Oct 2026 close
Ethical screenDoes not pass
OptionsOpen interest leans heavily to calls (put/call 0.00)
Last reviewed28 Oct 2026 (2 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 28.89 against the desk's fair-value range, base estimate 31.00, over the last year.
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.00, read 2026-10-25
Ethical does not pass the values gate
Price28.89 USD
Fair value31.00
Ethical score30.0/100
Our investment reviews on this name
2026-10-11Read Markdown28.10+2.8% to today Accumulation gives way to Markdown first Markdown read since July
2026-10-02Read Accumulation28.10+2.8% to today ✓Distribution gives way to Accumulation after a 7% rise in 6 weeks
2026-08-23Read Distribution26.28+9.9% to today Markdown gives way to Distribution with volume flow in agreement
2026-07-02Read Markdown26.28+9.9% to today First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Bank of Marin Bancorp holds its Accumulation at $28.89. Elevated stress, defensive posture warranted, held for 48 days.
As held on the ledger · 2026-10-28
Phase
Accumulation
Quantitative state
Elevated stress, defensive posture warranted, held for 48 days
Price at the screen
$28.89
Valuation
N/A trailing · 11.73 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.81
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Banks - Regional
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Banks - Regional
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Bank of Marin Bancorp does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-29. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when BMRC's ethical verdict changes
Today BMRC does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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Fair value range in USD, drawn from the 2026-10-28 screen. The gold marker is the market price at the same screen. A 7.3% margin of safety to the base estimate.
Third-party analyst targets: 5 covering, consensus None. The average target sits +0% from the screen price.
Reading the gap · Our model sees value the Street hasn't fully caught up to yet.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-28 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
BMRC trades on NASDAQ. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-25Markdown$26.39+0.0%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (5 analysts) rates it buy, with a mean price target of $29.
2026-10-18Markdown$26.39-6.1%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 6.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (5 analysts) rates it buy, with a mean price target of $29.
2026-10-11Markdown · changed$28.10+0.0%Entry 7
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (5 analysts) rates it buy, with a mean price target of $29.
The framework has shifted from distribution to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 6.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (5 analysts) rates it buy, with a mean price target of $29.
The framework has shifted from markdown to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (5 analysts) rates it buy, with a mean price target of $29.
2026-07-23Markdown$26.28+0.0%Entry 4
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (5 analysts) rates it buy, with a mean price target of $29.
2026-07-18Markdown$26.28+0.0%Entry 3
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (5 analysts) rates it buy, with a mean price target of $29.
2026-07-03Markdown$26.28+0.0%Entry 2
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Markdown$26.28Entry 1
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
What Holding Actually Paid · Price Plus Dividends
If $1,000 had been placed · historical, not a promise
Period
Price then
Price return
Divs per share
$1,000 became
Total return
1 month
$25.70
+1.6%
·
$1,016
+1.6%
2 months
$26.49
-1.5%
$0.25
$995
-0.5%
3 months
$23.74
+9.9%
$0.25
$1,110
+11.0%
6 months
$27.02
-3.4%
$0.50
$984
-1.6%
1 year
$22.21
+17.5%
$1.00
$1,220
+22.0%
2 years
$13.71
+90.4%
$2.00
$2,050
+105.0%
3 years
$16.61
+57.1%
$3.00
$1,752
+75.2%
5 years
$26.51
-1.6%
$4.96
$1,172
+17.2%
Historical returns from market close data. Past performance does not guarantee future results.
The Ledger's Promise
This entry now belongs to the ledger. Whatever BMRC does next, these words stay.
Bank of Marin Bancorp · BMRC · Accumulation · $28.89
Recorded 2026-10-28 · before the outcome · scored mechanically