BROOKLINE BANCORP INC (BRKL) Stock Fundamental Analysis
USA - NASDAQ:BRKL - US11373M1071 - Common Stock
10.95 USD
-0.07 (-0.64%)
11.04 USD
+0.09 (+0.82%)
Taking everything into account, BRKL scores 4 out of 10 in our fundamental rating. BRKL was compared to 391 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. BRKL also has an excellent dividend rating.
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.
BRKL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BRKL has a Return On Assets of 0.68%. This is in the lower half of the industry: BRKL underperforms 62.63% of its industry peers.
BRKL has a worse Return On Equity (6.28%) than 67.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 6.28% | ||
| 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
1.3 Margins
With a Profit Margin value of 21.47%, BRKL perfoms like the industry average, outperforming 41.67% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.47% | ||
| 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
2. Health
2.1 Basic Checks
BRKL does not have a ROIC to compare to the WACC, probably because it is not profitable.
BRKL has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BRKL has been increased compared to 5 years ago.
BRKL has a worse debt/assets ratio than last year.
2.2 Solvency
BRKL has a debt to FCF ratio of 2.08. This is a good value and a sign of high solvency as BRKL would need 2.08 years to pay back of all of its debts.
BRKL has a Debt to FCF ratio (2.08) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.18 indicates that BRKL is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.18, BRKL perfoms like the industry average, outperforming 51.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.08 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.49% over the past year.
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.
The Revenue has been growing slightly by 3.28% in the past year.
The Revenue has been growing slightly by 4.64% on average over the past years.
EPS 1Y (TTM)3.49%
EPS 3Y-19.57%
EPS 5Y-7.05%
EPS Q2Q%38.89%
Revenue 1Y (TTM)3.28%
Revenue growth 3Y4.71%
Revenue growth 5Y4.64%
Sales Q2Q%10.85%
3.2 Future
The Earnings Per Share is expected to grow by 88.05% on average over the next years. This is a very strong growth
Based on estimates for the next years, BRKL will show a very strong growth in Revenue. The Revenue will grow by 60.05% on average per year.
EPS Next Y-9.26%
EPS Next 2Y88.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year52.17%
Revenue Next 2Y60.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.30, which indicates a correct valuation of BRKL.
BRKL's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.69, BRKL is valued rather cheaply.
With a Price/Forward Earnings ratio of 4.02, the valuation of BRKL can be described as very cheap.
BRKL's Price/Forward Earnings ratio is rather cheap when compared to the industry. BRKL is cheaper than 97.22% of the companies in the same industry.
BRKL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.18.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 4.02 |
4.2 Price Multiples
BRKL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BRKL is cheaper than 76.01% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as BRKL's earnings are expected to grow with 88.05% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y88.05%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BRKL has a Yearly Dividend Yield of 4.93%, which is a nice return.
BRKL's Dividend Yield is rather good when compared to the industry average which is at 3.57. BRKL pays more dividend than 82.32% of the companies in the same industry.
BRKL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.93% |
5.2 History
The dividend of BRKL has a limited annual growth rate of 4.10%.
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)4.1%
Div Incr Years0
Div Non Decr Years22
5.3 Sustainability
BRKL pays out 61.06% of its income as dividend. This is not a sustainable payout ratio.
BRKL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP61.06%
EPS Next 2Y88.05%
EPS Next 3YN/A
10.95
-0.07 (-0.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.84%
Inst Owner Change-0.32%
Ins Owners2%
Ins Owner Change-195.25%
Market Cap975.64M
Analysts82.22
Price Target14.28 (30.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.93% |
Yearly Dividend0.54
Dividend Growth(5Y)4.1%
DP61.06%
Div Incr Years0
Div Non Decr Years22
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.2%
Min EPS beat(2)-7.47%
Max EPS beat(2)-2.93%
EPS beat(4)1
Avg EPS beat(4)-4.09%
Min EPS beat(4)-18.98%
Max EPS beat(4)13.03%
EPS beat(8)2
Avg EPS beat(8)-5.9%
EPS beat(12)3
Avg EPS beat(12)-10.79%
EPS beat(16)6
Avg EPS beat(16)-6.81%
Revenue beat(2)0
Avg Revenue beat(2)-3.28%
Min Revenue beat(2)-3.61%
Max Revenue beat(2)-2.96%
Revenue beat(4)0
Avg Revenue beat(4)-2.73%
Min Revenue beat(4)-3.61%
Max Revenue beat(4)-1.35%
Revenue beat(8)0
Avg Revenue beat(8)-3.15%
Revenue beat(12)2
Avg Revenue beat(12)-2.07%
Revenue beat(16)6
Avg Revenue beat(16)0.76%
PT rev (1m)-1.75%
PT rev (3m)-3.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-271.43%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 4.02 | ||
| P/S | 2.66 | ||
| P/FCF | 9.19 | ||
| P/OCF | 8.91 | ||
| P/B | 0.78 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.89
EY8.13%
EPS(NY)2.72
Fwd EY24.87%
FCF(TTM)1.19
FCFY10.88%
OCF(TTM)1.23
OCFY11.22%
SpS4.12
BVpS14.08
TBVpS11.2
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 6.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.47% | ||
| GM | N/A | ||
| FCFM | 28.93% |
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.08 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 23.94% | ||
| Cap/Sales | 0.9% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 134.74% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14%
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)3.49%
EPS 3Y-19.57%
EPS 5Y-7.05%
EPS Q2Q%38.89%
EPS Next Y-9.26%
EPS Next 2Y88.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.28%
Revenue growth 3Y4.71%
Revenue growth 5Y4.64%
Sales Q2Q%10.85%
Revenue Next Year52.17%
Revenue Next 2Y60.05%
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-9.63%
FCF growth 3Y-8%
FCF growth 5Y0.46%
OCF growth 1Y-16.62%
OCF growth 3Y-7.64%
OCF growth 5Y0.44%