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BROOKLINE BANCORP INC (BRKL) Stock Fundamental Analysis

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

11.66  -0.23 (-1.93%)

After market: 11.66 0 (0%)

Fundamental Rating

4

BRKL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. Both the profitability and financial health of BRKL have multiple concerns. BRKL has a decent growth rate and is not valued too expensively. Finally BRKL also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BRKL had positive earnings in the past year.
In the past year BRKL had a positive cash flow from operations.
In the past 5 years BRKL has always been profitable.
Of the past 5 years BRKL 4 years had a positive operating cash flow.
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

BRKL has a worse Return On Assets (0.63%) than 63.16% of its industry peers.
BRKL's Return On Equity of 6.02% is on the low side compared to the rest of the industry. BRKL is outperformed by 68.67% of its industry peers.
Industry RankSector Rank
ROA 0.63%
ROE 6.02%
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

BRKL has a Profit Margin of 20.85%. This is comparable to the rest of the industry: BRKL outperforms 40.85% of its industry peers.
BRKL's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BRKL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.85%
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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3

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
BRKL has more shares outstanding than it did 5 years ago.
BRKL has a worse debt/assets ratio than last year.
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 1.59. This is a very positive value and a sign of high solvency as it would only need 1.59 years to pay back of all of its debts.
BRKL has a better Debt to FCF ratio (1.59) than 65.91% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that BRKL is not too dependend on debt financing.
BRKL has a Debt to Equity ratio of 0.12. This is in the better half of the industry: BRKL outperforms 66.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.59
Altman-Z N/A
ROIC/WACCN/A
WACC12.33%
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

The earnings per share for BRKL have decreased strongly by -10.47% in the last year.
BRKL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.05% yearly.
Looking at the last year, BRKL shows a decrease in Revenue. The Revenue has decreased by -4.43% in the last year.
The Revenue has been growing slightly by 4.64% on average over the past years.
EPS 1Y (TTM)-10.47%
EPS 3Y-19.57%
EPS 5Y-7.05%
EPS Q2Q%-23.08%
Revenue 1Y (TTM)-4.43%
Revenue growth 3Y4.71%
Revenue growth 5Y4.64%
Sales Q2Q%1.72%

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 46.60% on average per year.
EPS Next Y45.05%
EPS Next 2Y39.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year53.46%
Revenue Next 2Y46.6%
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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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.14, which indicates a correct valuation of BRKL.
Based on the Price/Earnings ratio, BRKL is valued a bit more expensive than 66.67% of the companies in the same industry.
When comparing the Price/Earnings ratio of BRKL to the average of the S&P500 Index (29.63), we can say BRKL is valued slightly cheaper.
The Price/Forward Earnings ratio is 10.44, which indicates a very decent valuation of BRKL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BRKL indicates a somewhat cheap valuation: BRKL is cheaper than 66.42% of the companies listed in the same industry.
BRKL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.14
Fwd PE 10.44
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 the industry average as 64.66% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.85
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

BRKL's 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)0.34
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 4.54%, which is a nice return.
BRKL's Dividend Yield is rather good when compared to the industry average which is at 3.18. BRKL pays more dividend than 87.47% of the companies in the same industry.
BRKL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 4.54%

5.2 History

The dividend of BRKL is nicely growing with an annual growth rate of 7.55%!
BRKL has been paying a dividend for at least 10 years, so it has a reliable track record.
BRKL has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.55%
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

BRKL pays out 64.88% of its income as dividend. This is not a sustainable payout ratio.
The dividend of BRKL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP64.88%
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 (2/21/2025, 8:04:13 PM)

After market: 11.66 0 (0%)

11.66

-0.23 (-1.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29/amc
Earnings (Next)04-22 2025-04-22/amc
Inst Owners85.09%
Inst Owner Change-89.21%
Ins Owners2.01%
Ins Owner Change0%
Market Cap1.04B
Analysts82
Price Target15.24 (30.7%)
Short Float %1.33%
Short Ratio1.65
Dividend
Industry RankSector Rank
Dividend Yield 4.54%
Yearly Dividend0.57
Dividend Growth(5Y)7.55%
DP64.88%
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)4.73%
Min EPS beat(2)-3.57%
Max EPS beat(2)13.03%
EPS beat(4)2
Avg EPS beat(4)-2.76%
Min EPS beat(4)-29.76%
Max EPS beat(4)13.03%
EPS beat(8)2
Avg EPS beat(8)-13.77%
EPS beat(12)5
Avg EPS beat(12)-7.6%
EPS beat(16)9
Avg EPS beat(16)0.51%
Revenue beat(2)0
Avg Revenue beat(2)-2.65%
Min Revenue beat(2)-3.96%
Max Revenue beat(2)-1.35%
Revenue beat(4)0
Avg Revenue beat(4)-2.95%
Min Revenue beat(4)-3.96%
Max Revenue beat(4)-1.35%
Revenue beat(8)1
Avg Revenue beat(8)-2.91%
Revenue beat(12)5
Avg Revenue beat(12)1.05%
Revenue beat(16)9
Avg Revenue beat(16)2.46%
PT rev (1m)0.42%
PT rev (3m)14.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.13%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)-0.6%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)6.21%
Revenue NY rev (3m)38.16%
Valuation
Industry RankSector Rank
PE 15.14
Fwd PE 10.44
P/S 2.92
P/FCF 10.85
P/OCF 10.33
P/B 0.84
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)0.77
EY6.6%
EPS(NY)1.12
Fwd EY9.58%
FCF(TTM)1.07
FCFY9.22%
OCF(TTM)1.13
OCFY9.68%
SpS3.99
BVpS13.81
TBVpS10.89
PEG (NY)0.34
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.63%
ROE 6.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.85%
GM N/A
FCFM 26.95%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.59
Debt/EBITDA N/A
Cap/Depr 31.87%
Cap/Sales 1.36%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.26%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.33%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-10.47%
EPS 3Y-19.57%
EPS 5Y-7.05%
EPS Q2Q%-23.08%
EPS Next Y45.05%
EPS Next 2Y39.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.43%
Revenue growth 3Y4.71%
Revenue growth 5Y4.64%
Sales Q2Q%1.72%
Revenue Next Year53.46%
Revenue Next 2Y46.6%
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-9.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-16.13%
OCF growth 3YN/A
OCF growth 5YN/A