Bank of Marin Bancorp (BMRC) Financials

Bank of Marin Bancorp (BMRC) is a financial institution that provides banking and related services to individuals and businesses in California. The company's income statement reflects its financial performance over a specific period. It shows the revenue generated, expenses incurred, and ultimately the net income. The income statement helps investors and analysts assess the profitability of the bank.

EBIT, which stands for Earnings Before Interest and Taxes, is a measure of a company's operating performance. It shows the bank's profitability before considering interest expenses and taxes. EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization, is another metric that provides insight into the bank's profitability. It excludes non-cash expenses like depreciation and amortization, giving a clearer picture of the bank's cash-generating ability.

Gross profit is the difference between the bank's total revenue and its cost of goods sold. It represents the earnings made from core banking operations before accounting for operating expenses. Net income from stockholders refers to the bank's profit available to common shareholders after deducting preferred dividends. It is an important metric for investors evaluating the bank's profitability.

Total revenue reflects the bank's overall income from all sources, including interest income, fees, and other non-interest sources. It gives an overview of the bank's ability to generate revenue from its various business activities. The balance sheet provides a snapshot of the bank's financial position at a specific point in time. It includes assets, liabilities, and stockholders' equity.

Cash equivalents on the balance sheet represent highly liquid assets that can be readily converted into cash. It includes short-term investments such as Treasury bills or money market funds. Net debt is the difference between a bank's total debt and its cash and cash equivalents. It shows the bank's overall indebtedness and its ability to repay its obligations.

Stockholders' equity represents the residual interest in the bank's assets after deducting liabilities. It shows the amount of capital contributed by shareholders and retained earnings. Total assets on the balance sheet represent the bank's total resources, including cash, loans, and investments.

Total debt includes both short-term and long-term borrowings or obligations. It reflects the bank's indebtedness to lenders or bondholders. Total liabilities on the balance sheet represent the bank's obligations and include both current and long-term liabilities.

Cash flow refers to the movement of cash into and out of the bank over a specific period. It includes cash received from operating activities, investing activities, and financing activities. Financing cash flow shows the cash inflows and outflows related to raising or repaying capital, such as issuing or repurchasing stock or paying dividends. Free cash flow is a measure of the bank's cash generation after accounting for capital expenditures and working capital requirements. It shows the bank's ability to generate cash for future investments or distributions to shareholders.

Investing cash flow represents the cash inflows and outflows related to the acquisition or disposal of long-term assets, such as property, plant, and equipment or investments. Operating cash flow reflects the cash generated from a bank's core business activities, such as interest income, fees, and other operating cash flows.