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Side-by-side financial comparison of BGSF, INC. (BGSF) and Bank of Marin Bancorp (BMRC). Click either name above to swap in a different company.
Bank of Marin Bancorp is the larger business by last-quarter revenue ($34.1M vs $22.0M, roughly 1.5× BGSF, INC.). Bank of Marin Bancorp runs the higher net margin — 24.9% vs -5.3%, a 30.2% gap on every dollar of revenue. Over the past eight quarters, Bank of Marin Bancorp's revenue compounded faster (23.3% CAGR vs -5.3%).
BGSF Inc. is a leading U.S.-headquartered workforce solutions firm that provides tailored staffing, talent recruitment, and end-to-end workforce management services. It serves core segments including information technology, healthcare, professional administration, light industrial, and creative industries, catering to small, mid-sized and large enterprise clients across North America.
American River Bank was a community bank founded in 1983 by Robert H. Daneke, who served as first president and CEO, and Bill L. Withrow, the first Chairman of the Board, and served the Greater Sacramento area in California. As of 2019, It operated ten branches in Northern CA. American River Bank which offered both business and personal financial services and was a wholly owned subsidiary of American River Bankshares.
BGSF vs BMRC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $22.0M | $34.1M |
| Net Profit | $-1.2M | $8.5M |
| Gross Margin | 35.0% | — |
| Operating Margin | -17.6% | — |
| Net Margin | -5.3% | 24.9% |
| Revenue YoY | -9.4% | — |
| Net Profit YoY | -18.2% | 74.5% |
| EPS (diluted) | $-0.12 | $0.53 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $34.1M | ||
| Q4 25 | $22.0M | $27.0M | ||
| Q3 25 | $26.9M | $30.9M | ||
| Q2 25 | $23.5M | $10.3M | ||
| Q1 25 | $20.9M | $27.8M | ||
| Q4 24 | $24.3M | $22.2M | ||
| Q3 24 | $29.8M | $27.2M | ||
| Q2 24 | $25.7M | $22.5M |
| Q1 26 | — | $8.5M | ||
| Q4 25 | $-1.2M | $-39.5M | ||
| Q3 25 | $-5.8M | $7.5M | ||
| Q2 25 | $-3.7M | $-8.5M | ||
| Q1 25 | $-722.0K | $4.9M | ||
| Q4 24 | $-981.0K | $6.0M | ||
| Q3 24 | $-804.0K | $4.6M | ||
| Q2 24 | $-761.0K | $-21.9M |
| Q1 26 | — | — | ||
| Q4 25 | 35.0% | — | ||
| Q3 25 | 35.9% | — | ||
| Q2 25 | 35.8% | — | ||
| Q1 25 | 36.2% | — | ||
| Q4 24 | 35.9% | — | ||
| Q3 24 | 35.9% | — | ||
| Q2 24 | 37.3% | — |
| Q1 26 | — | — | ||
| Q4 25 | -17.6% | -212.6% | ||
| Q3 25 | -3.5% | 31.1% | ||
| Q2 25 | -18.8% | -108.8% | ||
| Q1 25 | 1.6% | 23.3% | ||
| Q4 24 | -15.7% | 43.5% | ||
| Q3 24 | -3.4% | 25.7% | ||
| Q2 24 | -5.7% | -153.0% |
| Q1 26 | — | 24.9% | ||
| Q4 25 | -5.3% | -146.5% | ||
| Q3 25 | -21.6% | 24.3% | ||
| Q2 25 | -15.9% | -82.9% | ||
| Q1 25 | -3.5% | 17.5% | ||
| Q4 24 | -4.0% | 27.1% | ||
| Q3 24 | -2.7% | 16.8% | ||
| Q2 24 | -3.0% | -97.5% |
| Q1 26 | — | $0.53 | ||
| Q4 25 | $-0.12 | $-2.48 | ||
| Q3 25 | $-0.52 | $0.47 | ||
| Q2 25 | $-0.34 | $-0.53 | ||
| Q1 25 | $-0.06 | $0.30 | ||
| Q4 24 | — | $0.38 | ||
| Q3 24 | $-0.07 | $0.28 | ||
| Q2 24 | $-0.07 | $-1.36 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $48.1M | $394.5M |
| Total Assets | $57.8M | $3.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $41.2M | — | ||
| Q2 25 | $2.8M | — | ||
| Q1 25 | $2.0M | — | ||
| Q4 24 | $32.0K | — | ||
| Q3 24 | $262 | — | ||
| Q2 24 | $226 | — |
| Q1 26 | — | $394.5M | ||
| Q4 25 | $48.1M | $394.7M | ||
| Q3 25 | $50.7M | $443.8M | ||
| Q2 25 | $78.3M | $438.5M | ||
| Q1 25 | $81.8M | $439.6M | ||
| Q4 24 | $82.3M | $435.4M | ||
| Q3 24 | $82.9M | $437.0M | ||
| Q2 24 | $83.2M | $434.9M |
| Q1 26 | — | $3.9B | ||
| Q4 25 | $57.8M | $3.9B | ||
| Q3 25 | $83.6M | $3.9B | ||
| Q2 25 | $149.7M | $3.7B | ||
| Q1 25 | $152.3M | $3.8B | ||
| Q4 24 | $150.1M | $3.7B | ||
| Q3 24 | $157.3K | $3.8B | ||
| Q2 24 | $159.8K | $3.7B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $1.7M | — |
| Free Cash FlowOCF − Capex | $1.7M | — |
| FCF MarginFCF / Revenue | 7.6% | — |
| Capex IntensityCapex / Revenue | 0.1% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-16.0K | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.7M | $39.1M | ||
| Q3 25 | $-4.8M | $12.5M | ||
| Q2 25 | $2.2M | $8.0M | ||
| Q1 25 | $1.1M | $4.9M | ||
| Q4 24 | $3.2M | $28.4M | ||
| Q3 24 | $6.5M | $9.9M | ||
| Q2 24 | $7.3M | $3.4M |
| Q1 26 | — | — | ||
| Q4 25 | $1.7M | $37.3M | ||
| Q3 25 | $-4.9M | $12.1M | ||
| Q2 25 | $2.1M | $7.1M | ||
| Q1 25 | $1.0M | $4.6M | ||
| Q4 24 | $2.5M | $27.8M | ||
| Q3 24 | $6.5M | $9.8M | ||
| Q2 24 | $7.3M | $3.4M |
| Q1 26 | — | — | ||
| Q4 25 | 7.6% | 138.1% | ||
| Q3 25 | -18.1% | 39.0% | ||
| Q2 25 | 9.1% | 68.7% | ||
| Q1 25 | 5.0% | 16.6% | ||
| Q4 24 | 10.2% | 125.7% | ||
| Q3 24 | 21.7% | 36.0% | ||
| Q2 24 | 28.5% | 15.0% |
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 6.7% | ||
| Q3 25 | 0.4% | 1.3% | ||
| Q2 25 | 0.0% | 9.4% | ||
| Q1 25 | 0.1% | 1.1% | ||
| Q4 24 | 3.0% | 2.3% | ||
| Q3 24 | 0.0% | 0.4% | ||
| Q2 24 | 0.0% | 0.4% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 1.66× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 4.73× | ||
| Q3 24 | — | 2.16× | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BGSF
| Contract Field Talent | $21.4M | 97% |
| Other | $595.0K | 3% |
BMRC
| Net Interest Income | $30.3M | 89% |
| Noninterest Income | $3.8M | 11% |
