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BROOKLINE BANCORP INC (BRKL) Stock Fundamental Analysis

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

9.75  -0.14 (-1.42%)

After market: 9.75 0 (0%)

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 has a decent growth rate and is not valued too expensively. 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.
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

Looking at the Return On Assets, with a value of 0.58%, BRKL is doing worse than 67.59% of the companies in the same industry.
BRKL has a Return On Equity of 5.62%. This is in the lower half of the industry: BRKL underperforms 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 64.57% of the companies in the same industry.
In the last couple of years the Profit Margin of BRKL has declined.
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) 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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3

2. Health

2.1 Basic Checks

BRKL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BRKL has been increased compared to 1 year ago.
BRKL has more shares outstanding than it did 5 years ago.
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

The Debt to FCF ratio of BRKL is 1.64, which is an excellent value as it means it would take BRKL, only 1.64 years of fcf income to pay off all of its debts.
BRKL's Debt to FCF ratio of 1.64 is fine compared to the rest of the industry. BRKL outperforms 60.05% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that BRKL is not too dependend on debt financing.
BRKL's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. BRKL outperforms 65.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.64
Altman-Z N/A
ROIC/WACCN/A
WACC14.19%
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 -10.47%.
The Earnings Per Share has been decreasing by -7.05% on average over the past years.
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

The Earnings Per Share is expected to grow by 39.13% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 45.22% on average over the next years. This is a very strong growth
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

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.
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

BRKL is valuated correctly with a Price/Earnings ratio of 12.66.
Based on the Price/Earnings ratio, BRKL is valued a bit more expensive than 62.06% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.29, BRKL is valued rather cheaply.
BRKL is valuated reasonably with a Price/Forward Earnings ratio of 8.73.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BRKL indicates a somewhat cheap valuation: BRKL is cheaper than 66.33% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, BRKL is valued rather cheaply.
Industry RankSector Rank
PE 12.66
Fwd PE 8.73
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

66.83% of the companies in the same industry are more expensive than BRKL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.77
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.
A more expensive valuation may be justified as BRKL's earnings are expected to grow with 39.13% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y39.13%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.46%, BRKL is a good candidate for dividend investing.
BRKL's Dividend Yield is rather good when compared to the industry average which is at 3.66. BRKL pays more dividend than 88.44% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, BRKL pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.46%

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 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 (4/21/2025, 5:20:01 PM)

After market: 9.75 0 (0%)

9.75

-0.14 (-1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners85.09%
Inst Owner Change-0.56%
Ins Owners2.01%
Ins Owner Change0%
Market Cap877.11M
Analysts82
Price Target15.11 (54.97%)
Short Float %2.06%
Short Ratio3.28
Dividend
Industry RankSector Rank
Dividend Yield 5.46%
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 12.66
Fwd PE 8.73
P/S 2.47
P/FCF 8.77
P/OCF 8.36
P/B 0.72
P/tB 0.91
EV/EBITDA N/A
EPS(TTM)0.77
EY7.9%
EPS(NY)1.12
Fwd EY11.46%
FCF(TTM)1.11
FCFY11.4%
OCF(TTM)1.17
OCFY11.97%
SpS3.95
BVpS13.58
TBVpS10.71
PEG (NY)0.28
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
WACC14.19%
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)-10.47%
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 Year53.48%
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%