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BROOKLINE BANCORP INC (BRKL) Stock Fundamental Analysis

NASDAQ:BRKL - US11373M1071 - Common Stock

10.95 USD
-0.07 (-0.64%)
Last: 8/29/2025, 8:08:57 PM
11.04 USD
+0.09 (+0.82%)
After Hours: 8/29/2025, 8:08:57 PM
Fundamental Rating

4

BRKL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. Both the profitability and financial health of BRKL have multiple concerns. BRKL has a correct valuation and a medium growth rate. 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.
Each year in the past 5 years BRKL has been profitable.
Each year in the past 5 years BRKL 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's Return On Assets of 0.68% is on the low side compared to the rest of the industry. BRKL is outperformed by 62.63% of its industry peers.
Looking at the Return On Equity, with a value of 6.28%, BRKL is doing worse than 67.93% of the companies in the same industry.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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.
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) 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 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

The Debt to FCF ratio of BRKL is 2.08, which is a good value as it means it would take BRKL, 2.08 years of fcf income to pay off all of its debts.
BRKL has a Debt to FCF ratio of 2.08. This is comparable to the rest of the industry: BRKL outperforms 47.98% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that BRKL is not too dependend on debt financing.
BRKL has a Debt to Equity ratio (0.18) which is comparable to the rest of the 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 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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3. Growth

3.1 Past

BRKL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.49%.
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

BRKL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 88.05% yearly.
BRKL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 60.05% yearly.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.30, the valuation of BRKL can be described as correct.
BRKL's Price/Earnings is on the same level as the industry average.
BRKL is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
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 22.69.
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

76.01% 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 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

BRKL's earnings are expected to grow with 88.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y88.05%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.93%, BRKL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.56, BRKL pays a better dividend. On top of this BRKL pays more dividend than 82.32% of the companies listed in the same industry.
BRKL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.1%
Div Incr Years0
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

61.06% of the earnings are spent on dividend by BRKL. This is not a sustainable payout ratio.
The dividend of BRKL is growing, but earnings are growing more, so the dividend growth is 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 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 (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 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners84.84%
Inst Owner Change0.37%
Ins Owners2%
Ins Owner Change-195.25%
Market Cap975.64M
Analysts82.22
Price Target14.28 (30.41%)
Short Float %1.02%
Short Ratio1.25
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-Date08-08 2025-08-08 (0.135)
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
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
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 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%