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 383 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. 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.
- BRKL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- BRKL has a worse Return On Assets (0.68%) than 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 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.
- 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
- 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 (2.08) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 0.18 indicates that BRKL is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.18, BRKL is in line with its industry, outperforming 51.26% of the companies in the same 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%.
- The Earnings Per Share has been decreasing by -7.05% on average over the past years.
- Looking at the last year, BRKL shows a small growth in Revenue. The Revenue has grown by 3.28% in the last year.
- BRKL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.64% yearly.
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.
- 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.
- 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
- Based on the Price/Earnings ratio of 12.30, the valuation of BRKL can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of BRKL is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of BRKL to the average of the S&P500 Index (27.21), we can say BRKL is valued rather cheaply.
- The Price/Forward Earnings ratio is 4.02, which indicates a rather cheap valuation of BRKL.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BRKL indicates a rather cheap valuation: BRKL is cheaper than 97.22% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. BRKL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 4.02 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.19 | ||
| EV/EBITDA | N/A |
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
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 2.84, 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 1.82.
| 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 paid a dividend for at least 10 years, which is 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.
- 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
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%.