Brookline Bancorp Financials

BRKL Stock  USD 12.59  0.15  1.18%   
Based on the analysis of Brookline Bancorp's profitability, liquidity, and operating efficiency, Brookline Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Brookline Bancorp's Non Currrent Assets Other are quite stable compared to the past year. Other Assets is expected to rise to about 8.8 B this year, although the value of Total Stockholder Equity will most likely fall to about 683.2 M. Key indicators impacting Brookline Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.210.2249
Significantly Down
Slightly volatile
Return On Assets0.01220.0066
Way Up
Very volatile
Return On Equity0.04990.0626
Significantly Down
Pretty Stable
Debt Equity Ratio0.761.0907
Way Down
Pretty Stable
Operating Income105.1 M135.4 M
Significantly Down
Slightly volatile
Current Ratio0.180.19
Notably Down
Slightly volatile
Investors should never underestimate Brookline Bancorp's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Brookline Bancorp's cash flow, debt, and profitability to make informed and accurate decisions about investing in Brookline Bancorp.

Net Income

44.1 Million

  
Understanding current and past Brookline Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Brookline Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Brookline Bancorp's assets may result in an increase in income on the income statement.

Brookline Bancorp Stock Summary

Brookline Bancorp competes with Heritage Commerce, Eastern Bankshares, HarborOne Bancorp, Kearny Financial, and Equity Bancshares,. Brookline Bancorp, Inc. operates as a bank holding company for the Brookline Bank that provide commercial, business, and retail banking services to corporate, municipal, and retail customers in the United States. Brookline Bancorp, Inc. was founded in 1871 and is headquartered in Boston, Massachusetts. Brookline Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 786 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS11373M1071
CUSIP11373M107 113739106
LocationMassachusetts; U.S.A
Business Address131 Clarendon Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.brooklinebancorp.com
Phone617 425 4600
CurrencyUSD - US Dollar

Brookline Bancorp Key Financial Ratios

Brookline Bancorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets7.9B8.9B8.6B9.2B11.4B12.0B
Net Debt849.8M409.5M311.6M1.3B1.3B1.3B
Retained Earnings265.4M264.9M342.6M412.0M438.7M460.7M
Cash77.8M434.9M66.3M191.8M24.7M23.5M
Other Assets6.4B6.8B6.3B7.3B8.4B8.8B
Total Liab927.6M844.4M377.8M8.2B10.2B10.7B
Total Current Assets580.4M1.2B1.0B1.0B24.7M23.5M
Short Term Debt665.8M717.3M246.5M1.1B819.5M473.2M
Other Liab44.0M19.0M21.1M64.3M73.9M77.6M
Accounts Payable146.3M239.7M7.0B6.5B7.5B7.9B
Long Term Debt902.7M820.2M357.3M1.4B1.4B1.4B
Treasury Stock(59.1M)(59.1M)(77.3M)(84.7M)(76.2M)(80.1M)
Other Current Assets84.0M462.5M345.2M409.5M173.8M165.1M
Other Current Liab4.6B5.3B1.9B5.1B5.9B3.7B
Intangible Assets4.4M3.2M2.3M1.8M24.2M25.4M
Inventory2.6M6.5M718K408K469.2K445.7K
Net Tangible Assets780.8M778.2M832.6M829.9M954.4M675.9M
Capital Surpluse755.6M736.6M737.2M736.8M847.3M715.3M

Brookline Bancorp Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense94.3M66.7M29.2M45.4M237.6M249.5M
Total Revenue283.1M284.8M309.4M328.1M333.4M350.1M
Gross Profit283.1M284.8M309.4M328.1M333.4M350.1M
Operating Income116.0M62.1M154.6M191.4M135.4M105.1M
Ebit116.0M62.1M154.6M139.9M93.9M101.6M
Ebitda117.6M68.8M161.3M146.5M109.9M107.0M
Income Before Tax116.0M62.1M154.6M139.9M93.9M66.1M
Net Income87.7M47.6M115.4M109.7M75.0M44.1M
Income Tax Expense28.3M14.4M39.2M30.2M18.9M21.2M
Tax Provision28.3M14.4M39.2M30.2M18.9M23.2M
Net Interest Income253.3M260.2M282.4M299.8M339.7M281.6M
Interest Income347.6M326.8M311.5M345.2M577.3M360.8M

Brookline Bancorp Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(11.8M)357.1M(107.2M)55.2M(249.9M)(237.4M)
Free Cash Flow97.7M109.6M128.4M113.4M104.2M59.9M
Depreciation8.5M6.8M6.7M6.5M16.0M16.8M
Other Non Cash Items21.1M69.6M(4.1M)11.1M19.2M13.8M
Capital Expenditures5.0M2.9M4.8M7.4M12.4M13.0M
Net Income87.7M47.6M115.4M109.7M75.0M44.1M
End Period Cash Flow77.8M434.9M327.7M383.0M133.0M151.1M
Dividends Paid35.1M36.4M37.5M40.1M47.9M31.3M
Change To Netincome16.8M43.5M(1.9M)13.8M15.9M14.2M
Investments(422.3M)(708.5M)(282.0M)(557.7M)(665.3M)(698.5M)
Net Borrowings(18.0M)(82.7M)(463.1M)1.1B1.2B1.3B

Brookline Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Brookline Bancorp's current stock value. Our valuation model uses many indicators to compare Brookline Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Brookline Bancorp competition to find correlations between indicators driving Brookline Bancorp's intrinsic value. More Info.
Brookline Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Brookline Bancorp is roughly  9.54 . At this time, Brookline Bancorp's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Brookline Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Brookline Bancorp Systematic Risk

Brookline Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Brookline Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Brookline Bancorp correlated with the market. If Beta is less than 0 Brookline Bancorp generally moves in the opposite direction as compared to the market. If Brookline Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Brookline Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Brookline Bancorp is generally in the same direction as the market. If Beta > 1 Brookline Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Brookline Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Brookline Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Brookline Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.3)

At this time, Brookline Bancorp's Price Earnings To Growth Ratio is quite stable compared to the past year.

Brookline Bancorp December 2, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Brookline Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Brookline Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Brookline Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Brookline Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Brookline Bancorp's daily price indicators and compare them against related drivers.
When determining whether Brookline Bancorp is a strong investment it is important to analyze Brookline Bancorp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Brookline Bancorp's future performance. For an informed investment choice regarding Brookline Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Brookline Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in industry.
For more information on how to buy Brookline Stock please use our How to buy in Brookline Stock guide.
You can also try the Price Transformation module to use Price Transformation models to analyze the depth of different equity instruments across global markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Brookline Bancorp. If investors know Brookline will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Brookline Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.12)
Dividend Share
0.54
Earnings Share
0.83
Revenue Per Share
3.754
Quarterly Revenue Growth
(0.02)
The market value of Brookline Bancorp is measured differently than its book value, which is the value of Brookline that is recorded on the company's balance sheet. Investors also form their own opinion of Brookline Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Brookline Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Brookline Bancorp's market value can be influenced by many factors that don't directly affect Brookline Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Brookline Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Brookline Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Brookline Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.