BMRC vs MCBS
BMRC: A Northern California community bank focused on small-to-medium-sized businesses and local commercial real estate, competing against larger regional and national banks in its nine-county footprint. MCBS: A multi-state community bank focused on retail and commercial lending with significant real estate exposure and operations across the Southeast and Mid-Atlantic regions.
Side-by-side fundamentals
| Metric | BMRC | MCBS | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $28.29 | $36.10 | |
| Market cap as of 2026-07-24 | $454M | $1.0B | |
| P/E as of 2026-07-24 | n/a | 13.81 | |
| PEG as of 2026-07-24 | -0.03 | 1.73 | BMRC lower |
| Net margin as of 2026-07-24 | +26.2% | +45.1% | MCBS higher |
| Operating margin as of 2026-07-24 | +35.3% | n/a | |
| ROE as of 2026-07-24 | -7.7% | +15.1% | MCBS higher |
| ROA as of 2026-07-24 | -0.8% | +1.8% | MCBS higher |
| Debt / equity as of 2026-07-24 | 0.11 | 0.00 | MCBS lower |
| Revenue growth (YoY) as of 2026-07-24 | +8.8% | +35.4% | MCBS higher |
| Dividend yield as of 2026-07-24 | +3.5% | +3.2% | BMRC higher |
| Dividend streak (yrs) SEC XBRL | 5 | 4 | BMRC higher |
| Beta as of 2026-07-24 | 0.78 | 0.69 | |
| 1-year return as of 2026-07-23 close | +15.1% | +18.6% | MCBS higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.