BROOKLINE BANCORP INC (BRKL) Fundamental Analysis & Valuation

NASDAQ:BRKL • US11373M1071

Current stock price

10.95 USD
-0.07 (-0.64%)
At close:
11.04 USD
+0.09 (+0.82%)
After Hours:

This BRKL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BRKL Profitability Analysis

1.1 Basic Checks

  • In the past year BRKL was profitable.
  • BRKL had a positive operating cash flow in the past year.
  • Each year in the past 5 years BRKL has been profitable.
  • In the past 5 years BRKL always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

  • BRKL has a worse Return On Assets (0.68%) than 62.63% of its industry peers.
  • With a Return On Equity value of 6.28%, BRKL is not doing good in the industry: 67.93% of the companies in the same industry are doing better.
Industry RankSector 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
BRKL Yearly ROA, ROE, ROICBRKL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of BRKL (21.47%) is comparable to the rest of the 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 RankSector 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
BRKL Yearly Profit, Operating, Gross MarginsBRKL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. BRKL Health Analysis

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.
  • Compared to 1 year ago, BRKL has a worse debt to assets ratio.
BRKL Yearly Shares OutstandingBRKL Yearly Shares OutstandingYearly Shares Outstanding 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 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 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 in line with its industry peers.
  • 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 RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.08
Altman-Z N/A
ROIC/WACCN/A
WACC14%
BRKL Yearly LT Debt VS Equity VS FCFBRKL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. BRKL Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.49% over the past year.
  • BRKL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.05% yearly.
  • BRKL shows a small growth in Revenue. In the last year, the Revenue has grown by 3.28%.
  • 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

  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
BRKL Yearly EPS VS EstimatesBRKL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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6

4. BRKL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.30, the valuation of BRKL can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as BRKL.
  • When comparing the Price/Earnings ratio of BRKL to the average of the S&P500 Index (26.21), we can say BRKL is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 4.02, the valuation of BRKL can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, BRKL is valued cheaply inside the industry as 97.22% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, BRKL is valued rather cheaply.
Industry RankSector Rank
PE 12.3
Fwd PE 4.02
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 76.01% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.19
EV/EBITDA N/A
BRKL Per share dataBRKL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

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

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. BRKL Dividend Analysis

5.1 Amount

  • BRKL has a Yearly Dividend Yield of 4.93%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.73, BRKL pays a better dividend. On top of this BRKL pays more dividend than 82.32% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, BRKL pays a better dividend.
Industry RankSector 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
BRKL Yearly Dividends per shareBRKL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 61.06% 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.
DP61.06%
EPS Next 2Y88.05%
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 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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BRKL Fundamentals: All Metrics, Ratios and Statistics

BROOKLINE BANCORP INC

NASDAQ:BRKL (8/29/2025, 8:08:57 PM)

After market: 11.04 +0.09 (+0.82%)

10.95

-0.07 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23
Earnings (Next)10-21
Inst Owners84.84%
Inst Owner ChangeN/A
Ins Owners2%
Ins Owner Change0%
Market Cap975.64M
Revenue(TTM)367.08M
Net Income(TTM)78.80M
Analysts82.22
Price Target14.28 (30.41%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.93%
Yearly Dividend0.54
Dividend Growth(5Y)4.1%
DP61.06%
Div Incr Years0
Div Non Decr Years22
Ex-DateN/A
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 RankSector 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
Graham NumberN/A
Profitability
Industry RankSector 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
ROICexgc growth 3YN/A
ROICexgc 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 RankSector 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%

BROOKLINE BANCORP INC / BRKL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of BROOKLINE BANCORP INC (BRKL) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BRKL.


Can you provide the valuation status for BROOKLINE BANCORP INC?

ChartMill assigns a valuation rating of 6 / 10 to BROOKLINE BANCORP INC (BRKL). This can be considered as Fairly Valued.


Can you provide the profitability details for BROOKLINE BANCORP INC?

BROOKLINE BANCORP INC (BRKL) has a profitability rating of 2 / 10.


What are the PE and PB ratios of BROOKLINE BANCORP INC (BRKL) stock?

The Price/Earnings (PE) ratio for BROOKLINE BANCORP INC (BRKL) is 12.3 and the Price/Book (PB) ratio is 0.78.


Can you provide the expected EPS growth for BRKL stock?

The Earnings per Share (EPS) of BROOKLINE BANCORP INC (BRKL) is expected to decline by -9.26% in the next year.