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BROOKLINE BANCORP INC (BRKL) Stock Fundamental Analysis

NASDAQ:BRKL - Nasdaq - US11373M1071 - Common Stock - Currency: USD

10.275  +0.08 (+0.74%)

Fundamental Rating

4

BRKL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and financial health of BRKL have multiple concerns. BRKL scores decently on growth, while it is valued quite cheap. This could make an interesting combination. BRKL also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BRKL was profitable.
BRKL had a positive operating cash flow in the past year.
BRKL had positive earnings in each of the past 5 years.
BRKL had a positive operating cash flow in each of the past 5 years.
BRKL Yearly Net Income VS EBIT VS OCF VS FCFBRKL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

With a Return On Assets value of 0.58%, BRKL is not doing good in the industry: 67.84% of the companies in the same industry are doing better.
BRKL's Return On Equity of 5.62% is on the low side compared to the rest of the industry. BRKL is outperformed by 71.11% of its industry peers.
Industry RankSector Rank
ROA 0.58%
ROE 5.62%
ROIC N/A
ROA(3y)0.81%
ROA(5y)0.86%
ROE(3y)7.65%
ROE(5y)7.92%
ROIC(3y)N/A
ROIC(5y)N/A
BRKL Yearly ROA, ROE, ROICBRKL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 19.35%, BRKL is doing worse than 65.08% of the companies in the same industry.
In the last couple of years the Profit Margin of BRKL has declined.
BRKL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 19.35%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.65%
PM growth 5Y-8.99%
GM growth 3YN/A
GM growth 5YN/A
BRKL Yearly Profit, Operating, Gross MarginsBRKL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

BRKL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BRKL has more shares outstanding
Compared to 5 years ago, BRKL has more shares outstanding
The debt/assets ratio for BRKL is higher compared to a year ago.
BRKL Yearly Shares OutstandingBRKL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
BRKL Yearly Total Debt VS Total AssetsBRKL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

BRKL has a debt to FCF ratio of 1.64. This is a very positive value and a sign of high solvency as it would only need 1.64 years to pay back of all of its debts.
BRKL has a Debt to FCF ratio of 1.64. This is comparable to the rest of the industry: BRKL outperforms 59.30% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that BRKL is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.13, BRKL is in the better half of the industry, outperforming 64.07% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.64
Altman-Z N/A
ROIC/WACCN/A
WACC14.11%
BRKL Yearly LT Debt VS Equity VS FCFBRKL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BRKL Yearly Current Assets VS Current LiabilitesBRKL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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5

3. Growth

3.1 Past

BRKL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.75%.
Measured over the past years, BRKL shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.05% on average per year.
BRKL shows a decrease in Revenue. In the last year, the revenue decreased by -4.42%.
BRKL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.64% yearly.
EPS 1Y (TTM)-10.75%
EPS 3Y-19.57%
EPS 5Y-7.05%
EPS Q2Q%37.5%
Revenue 1Y (TTM)-4.42%
Revenue growth 3Y4.71%
Revenue growth 5Y4.64%
Sales Q2Q%12.14%

3.2 Future

Based on estimates for the next years, BRKL will show a very strong growth in Earnings Per Share. The EPS will grow by 39.13% on average per year.
Based on estimates for the next years, BRKL will show a very strong growth in Revenue. The Revenue will grow by 45.22% on average per year.
EPS Next Y45.05%
EPS Next 2Y39.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year53.48%
Revenue Next 2Y45.22%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BRKL Yearly Revenue VS EstimatesBRKL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
BRKL Yearly EPS VS EstimatesBRKL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

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7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.38, which indicates a correct valuation of BRKL.
BRKL's Price/Earnings is on the same level as the industry average.
BRKL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.64.
Based on the Price/Forward Earnings ratio of 6.89, the valuation of BRKL can be described as very cheap.
90.45% of the companies in the same industry are more expensive than BRKL, based on the Price/Forward Earnings ratio.
BRKL is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.38
Fwd PE 6.89
BRKL Price Earnings VS Forward Price EarningsBRKL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BRKL is valued a bit cheaper than 66.83% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.25
EV/EBITDA N/A
BRKL Per share dataBRKL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BRKL's earnings are expected to grow with 39.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y39.13%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

BRKL has a Yearly Dividend Yield of 5.36%, which is a nice return.
Compared to an average industry Dividend Yield of 3.68, BRKL pays a better dividend. On top of this BRKL pays more dividend than 87.94% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.52, BRKL pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.36%

5.2 History

The dividend of BRKL has a limited annual growth rate of 4.10%.
BRKL has paid a dividend for at least 10 years, which is a reliable track record.
BRKL has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.1%
Div Incr Years6
Div Non Decr Years22
BRKL Yearly Dividends per shareBRKL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

69.94% of the earnings are spent on dividend by BRKL. This is not a sustainable payout ratio.
BRKL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP69.94%
EPS Next 2Y39.13%
EPS Next 3YN/A
BRKL Yearly Income VS Free CF VS DividendBRKL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BRKL Dividend Payout.BRKL Dividend Payout, showing the Payout Ratio.BRKL Dividend Payout.PayoutRetained Earnings

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BROOKLINE BANCORP INC

NASDAQ:BRKL (4/24/2025, 10:32:08 AM)

10.275

+0.08 (+0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners85.09%
Inst Owner Change-0.56%
Ins Owners2.01%
Ins Owner Change0%
Market Cap924.34M
Analysts82
Price Target14.92 (45.21%)
Short Float %2.06%
Short Ratio3.28
Dividend
Industry RankSector Rank
Dividend Yield 5.36%
Yearly Dividend0.54
Dividend Growth(5Y)4.1%
DP69.94%
Div Incr Years6
Div Non Decr Years22
Ex-Date02-14 2025-02-14 (0.135)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.97%
Min EPS beat(2)-18.98%
Max EPS beat(2)13.03%
EPS beat(4)1
Avg EPS beat(4)-9.82%
Min EPS beat(4)-29.76%
Max EPS beat(4)13.03%
EPS beat(8)2
Avg EPS beat(8)-15.73%
EPS beat(12)4
Avg EPS beat(12)-9.99%
EPS beat(16)8
Avg EPS beat(16)-3.32%
Revenue beat(2)0
Avg Revenue beat(2)-2.17%
Min Revenue beat(2)-2.99%
Max Revenue beat(2)-1.35%
Revenue beat(4)0
Avg Revenue beat(4)-3.05%
Min Revenue beat(4)-3.96%
Max Revenue beat(4)-1.35%
Revenue beat(8)0
Avg Revenue beat(8)-4.22%
Revenue beat(12)4
Avg Revenue beat(12)-0.41%
Revenue beat(16)8
Avg Revenue beat(16)1.89%
PT rev (1m)-0.84%
PT rev (3m)-0.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.22%
EPS NY rev (1m)0%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.45%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)9.9%
Valuation
Industry RankSector Rank
PE 12.38
Fwd PE 6.89
P/S 2.6
P/FCF 9.25
P/OCF 8.81
P/B 0.76
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)0.83
EY8.08%
EPS(NY)1.49
Fwd EY14.51%
FCF(TTM)1.11
FCFY10.82%
OCF(TTM)1.17
OCFY11.35%
SpS3.95
BVpS13.58
TBVpS10.71
PEG (NY)0.27
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 5.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.35%
GM N/A
FCFM 28.14%
ROA(3y)0.81%
ROA(5y)0.86%
ROE(3y)7.65%
ROE(5y)7.92%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.65%
PM growth 5Y-8.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.64
Debt/EBITDA N/A
Cap/Depr 34.06%
Cap/Sales 1.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.11%
ROIC/WACCN/A
Cap/Depr(3y)75.05%
Cap/Depr(5y)67.89%
Cap/Sales(3y)2.33%
Cap/Sales(5y)1.91%
Profit Quality(3y)129.28%
Profit Quality(5y)145.87%
High Growth Momentum
Growth
EPS 1Y (TTM)-10.75%
EPS 3Y-19.57%
EPS 5Y-7.05%
EPS Q2Q%37.5%
EPS Next Y45.05%
EPS Next 2Y39.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.42%
Revenue growth 3Y4.71%
Revenue growth 5Y4.64%
Sales Q2Q%12.14%
Revenue Next Year53.48%
Revenue Next 2Y45.22%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.1%
FCF growth 3Y-8%
FCF growth 5Y0.46%
OCF growth 1Y-9.99%
OCF growth 3Y-7.64%
OCF growth 5Y0.44%