The earnings call presented a mixed picture with several positive developments such as improved earnings, merger progress, and increased customer deposits. However, challenges such as stress in the Boston office portfolio, declines in certain loan categories, and increased provisions for credit losses were also highlighted.

Company Guidance -

Q3 2025

During Brookline Bancorp's Second Quarter 2025 Earnings Call, the company reported earnings of approximately $22 million, or $0.25 per share, and a deliberate $61 million contraction in the loan portfolio, primarily due to reductions in commercial real estate and specialty vehicles. Notably, customer deposits increased by $59 million, and the net interest margin improved by 10 basis points to 332 basis points, contributing to a $2.9 million rise in net interest income, totaling $88.7 million for the quarter. Fee income slightly increased to $6 million, resulting in total revenues of $94.7 million, a 3% rise from Q1 2025 and 10% from 2024. Noninterest expenses, excluding merger charges, decreased to $57.7 million, while merger expenses were $439,000. The provision for credit losses rose to $7 million, with total net charge-offs amounting to $5.1 million. The company maintained its quarterly dividend at $0.135 per share and anticipated modest improvements in net margin and loan portfolio growth for the remainder of 2025.

Earnings Improvement

Earnings in the second quarter improved with a net income of approximately $22 million or $0.25 per share.

Merger Progress with Berkshire Hills

Stockholders approved the merger with Berkshire Hills, and no significant issues have been identified. The merger is on track, with a systems combination set for early February.

Customer Deposits Increase

Customer deposits increased by $59 million during the quarter, contributing to an improved funding position.

Net Interest Margin Growth

Net interest margin increased by 10 basis points to 332 basis points due to higher asset yields and lower funding costs.

Noninterest Expense Reduction

Noninterest expense, excluding merger charges, decreased by $1.3 million from Q1, with lower expenses across nearly every category.

Loan Portfolio Strategy

Deliberate contraction of $61 million in the loan portfolio to reduce exposure to commercial real estate and specialty vehicles while growing commercial and consumer loans.

Brookline Bancorp (BRKL) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BRKL Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	-0.16 / -	0.23	―	―	―
Jul 23, 2025	2025 (Q2)	0.25 / 0.25	0.18	38.89% (+0.07)
Apr 23, 2025	2025 (Q1)	0.22 / 0.21	0.16	31.25% (+0.05)
Jan 29, 2025	2024 (Q4)	0.24 / 0.20	0.26	-23.08% (-0.06)
Oct 23, 2024	2024 (Q3)	0.20 / 0.23	0.26	-11.54% (-0.03)
Jul 24, 2024	2024 (Q2)	0.18 / 0.18	0.25	-28.00% (-0.07)
Apr 24, 2024	2024 (Q1)	0.22 / 0.16	0.09	77.78% (+0.07)
Jan 24, 2024	2023 (Q4)	0.23 / 0.26	0.39	-33.33% (-0.13)
Oct 25, 2023	2023 (Q3)	0.27 / 0.26	0.39	-33.33% (-0.13)
Jul 26, 2023	2023 (Q2)	0.29 / 0.25	0.33	-24.24% (-0.08)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BRKL Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$11.00	$10.78	-2.00%
Apr 23, 2025	$10.07	$10.31	+2.38%
Jan 29, 2025	$11.77	$12.00	+1.95%
Oct 23, 2024	$10.14	$10.18	+0.39%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Brookline Bancorp (BRKL) report earnings?

Brookline Bancorp (BRKL) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Brookline Bancorp (BRKL) earnings time?

Brookline Bancorp (BRKL) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BRKL EPS forecast?

BRKL EPS forecast for the fiscal quarter 2025 (Q3) is -0.16.

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