10.95 USD
-0.07 (-0.64%)
11.04 USD
+0.09 (+0.82%)
BRKL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. BRKL has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
BRKL had a positive operating cash flow in the past year.
Each year in the past 5 years BRKL has been profitable.
BRKL had a positive operating cash flow in each of the past 5 years.
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.
BRKL has a Return On Equity of 6.28%. This is in the lower half of the industry: BRKL underperforms 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
Looking at the Profit Margin, with a value of 21.47%, BRKL is in line with its industry, outperforming 41.67% of the companies in the same industry.
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.
Compared to 1 year ago, BRKL has more shares outstanding
Compared to 5 years ago, BRKL has more shares outstanding
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 in line with its industry peers.
BRKL has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
BRKL has a Debt to Equity ratio (0.18) which is in line with its industry peers.
| 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%.
The Earnings Per Share has been decreasing by -7.05% on average over the past years.
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
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.30, which indicates a correct valuation of BRKL.
Compared to the rest of the industry, the Price/Earnings ratio of BRKL is on the same level as its industry peers.
BRKL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
A Price/Forward Earnings ratio of 4.02 indicates a rather cheap valuation of BRKL.
Based on the Price/Forward Earnings ratio, BRKL is valued cheaper than 97.22% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.22. BRKL is valued rather cheaply when compared to this.
| 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
With a Yearly Dividend Yield of 4.93%, BRKL is a good candidate for dividend investing.
BRKL's Dividend Yield is rather good when compared to the industry average which is at 3.15. BRKL pays more dividend than 82.32% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, BRKL pays a better dividend.
| 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 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
5.3 Sustainability
BRKL pays out 61.06% of its income as dividend. 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
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-99.64%
Ins Owners2%
Ins Owner Change-197.16%
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-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
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.
What is the valuation status of BROOKLINE BANCORP INC (BRKL) stock?
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 PE and PB ratios for BRKL stock?
The Price/Earnings (PE) ratio for BROOKLINE BANCORP INC (BRKL) is 12.3 and the Price/Book (PB) ratio is 0.78.
How financially healthy is BROOKLINE BANCORP INC?
The financial health rating of BROOKLINE BANCORP INC (BRKL) is 2 / 10.