10.95 USD
-0.07 (-0.64%)
11.04 USD
+0.09 (+0.82%)
Overall BRKL gets a fundamental rating of 4 out of 10. We evaluated BRKL against 383 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.
1. Profitability
1.1 Basic Checks
- In the past year BRKL was profitable.
- 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.
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.
- 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 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
- BRKL has a Profit Margin (21.47%) which is in line with its industry peers.
- BRKL's Profit Margin has declined in the last couple of years.
- BRKL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- Compared to 1 year ago, BRKL has a worse debt to assets ratio.
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's Debt to FCF ratio of 2.08 is in line compared 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 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
- BRKL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.49%.
- 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.
- Measured over the past years, BRKL shows a small growth in Revenue. The Revenue has been growing by 4.64% on average per year.
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
- Based on estimates for the next years, BRKL will show a very strong growth in Earnings Per Share. The EPS will grow by 88.05% on average per year.
- The Revenue is expected to grow by 60.05% on average over the next years. This is a very strong growth
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.30, BRKL is valued correctly.
- 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 (27.47), we can say BRKL is valued rather cheaply.
- Based on the 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 is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 4.02 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of BRKL indicates a somewhat cheap valuation: BRKL is cheaper than 76.01% of the companies listed 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.
- Compared to an average industry Dividend Yield of 2.91, 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 1.89.
| 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)07-23 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners84.84%
Inst Owner Change-0.43%
Ins Owners2%
Ins Owner Change-198.14%
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 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-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 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
Graham NumberN/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
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 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%
BROOKLINE BANCORP INC / BRKL 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.
How profitable is BROOKLINE BANCORP INC (BRKL) stock?
BROOKLINE BANCORP INC (BRKL) has a profitability rating of 2 / 10.
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.
How sustainable is the dividend of BROOKLINE BANCORP INC (BRKL) stock?
The dividend rating of BROOKLINE BANCORP INC (BRKL) is 8 / 10 and the dividend payout ratio is 61.06%.