Brookline Bancorp (BRKL) AI Stock Analysis

• Market Cap: $957.87M
• Dividend Yield: 5.02%
• Average Volume (3M): 541.25K
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.97
• Revenue Growth: 2.23%
• EPS Growth: 2.59%
• Country: US
• Employees: 951
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.25
• Shares Outstanding: 89,104,610
• 10 Day Avg. Volume: 528,316
• 30 Day Avg. Volume: 541,255
• PEG Ratio: -1.62
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 1.60
• P/FCF Ratio: 10.50
• Enterprise Value/Market Cap: 2.15
• Enterprise Value/Revenue: 3.15
• Enterprise Value/Gross Profit: 6.07
• Enterprise Value/Ebitda: 18.40
• 1Y Price Target: $12.50
• Price Target Upside: 18.37% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 73 Outperform
• Price Target: $12.00 ▲(13.64% Upside)

Brookline Bancorp's overall score reflects strong financial performance and a favorable valuation, supported by a high dividend yield. The merger with Berkshire Hills is a strategic positive, while technical analysis presents mixed signals. Earnings call insights highlight both opportunities and challenges, with stress in certain loan portfolios needing attention.

Positive Factors

Earnings

The merger of BHLB and BRKL is expected to positively impact long-term earnings.

Market Presence

The merger will create a strong regional bank presence in New England/NY markets with $24B in assets.

Profitability

The BRKL-BHLB combination significantly enhances profitability and makes for a more attractive combined franchise.

Negative Factors

Execution Risks

The rating for BRKL is lowered to Market Perform due to anticipated execution risks similar to other recent mergers.

Stock Performance

The shares are likely to remain range-bound for the next few quarters due to the merger announcement.

Brookline Bancorp Business Overview & Revenue Model

Company Description

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. Its deposit products include demand checking, NOW, money market, and savings accounts. The company's loan portfolio primarily comprises first mortgage loans secured by commercial, multi-family, and residential real estate properties; loans to business entities comprising commercial lines of credit; loans to condominium associations; loans and leases used to finance equipment for small businesses; financing for construction and development projects; and home equity and other consumer loans. It also provides term loans, letters of credit, foreign exchange, cash management, investment advisory, and online and mobile banking services, as well as invests in debt and equity securities. As of December 31, 2021, the company operated 50 full-service banking offices in greater Boston, Massachusetts, and greater Providence, Rhode Island. Brookline Bancorp, Inc. was founded in 1871 and is headquartered in Boston, Massachusetts.

How the Company Makes Money

Brookline Bancorp generates revenue primarily through net interest income, which is derived from the interest earned on loans and investments, minus the interest paid on deposits and borrowings. The company offers various types of loans, including residential mortgages, commercial real estate loans, and consumer loans, which are key components of its lending portfolio. Additionally, Brookline Bancorp earns non-interest income from fees associated with deposit accounts, transaction services, and wealth management products. The institution may also benefit from strategic partnerships with local businesses and organizations that enhance its service offerings and customer base, contributing to its overall earnings.

Brookline Bancorp Financial Statement Overview

Summary

Brookline Bancorp shows strong profitability with stable margins and efficient cash flow conversion. However, the slowing revenue growth and potential liquidity constraints pose challenges. The balance sheet is sound, with manageable leverage, but a slight contraction in assets needs monitoring.

Income Statement

Brookline Bancorp exhibits moderate profitability with a stable gross profit margin of around 52% and a consistent net profit margin near 11%. The revenue growth rate is slowing, with a slight decline from 2024 to TTM. The EBIT and EBITDA margins are stable, reflecting efficient operations. However, the declining revenue and mixed profit trends indicate potential challenges in sustaining growth.

Balance Sheet

The company's balance sheet is relatively strong, with a debt-to-equity ratio of around 0.97 in TTM, indicating manageable leverage. The equity ratio is approximately 10.8%, showing a stable capital structure. Return on equity is healthy, reflecting effective use of equity. However, total assets have decreased slightly, suggesting potential constraints on growth.

Cash Flow

Cash flow analysis reveals a robust free cash flow growth rate of 1.1% from 2024 to TTM. The operating cash flow to net income ratio is strong, indicating efficient cash conversion. The free cash flow to net income also demonstrates solid cash generation capabilities. While investing cash flow has improved, financing activities have seen significant fluctuations, suggesting variable external financing needs.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	652.08M	654.50M	608.88M	373.43M	338.52M	351.46M
Gross Profit	338.57M	333.56M	333.44M	319.49M	317.20M	222.92M
EBITDA	111.76M	106.33M	109.91M	146.47M	161.26M	68.83M
Net Income	73.15M	68.72M	75.00M	109.74M	115.44M	47.63M
Balance Sheet
Total Assets	11.52B	11.91B	11.38B	9.19B	8.60B	8.94B
Cash, Cash Equivalents and Short-Term Investments	1.24B	1.44B	1.05B	1.04B	1.05B	1.18B
Total Debt	1.20B	1.56B	1.41B	1.45B	377.83M	844.39M
Total Liabilities	10.28B	10.68B	10.18B	8.19B	7.61B	8.00B
Stockholders Equity	1.24B	1.22B	1.20B	992.13M	995.34M	941.78M
Cash Flow
Free Cash Flow	101.14M	99.97M	104.24M	113.37M	128.42M	109.58M
Operating Cash Flow	104.13M	104.95M	116.60M	120.76M	133.21M	112.49M
Investing Cash Flow	15.50M	-139.60M	-665.26M	-557.69M	131.11M	-695.53M
Financing Cash Flow	-63.97M	445.29M	298.74M	492.15M	-371.51M	940.17M

Brookline Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 10.56
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BRKL, the sentiment is Neutral. The current price of 10.56 is above the 20-day moving average (MA) of 10.46, above the 50-day MA of 10.51, and below the 200-day MA of 10.93, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 51.53 is Neutral, neither overbought nor oversold. The STOCH value of 81.56 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BRKL.

Brookline Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CTBI	78 Outperform	$1.02B	11.07	11.99%	3.34%	10.85%	17.66%
AMAL	76 Outperform	$886.71M	8.80	14.78%	1.87%	6.94%	3.96%
BHRB	74 Outperform	$906.46M	8.75	14.19%	3.69%	113.60%	1224.38%
FMBH	73 Outperform	$933.74M	11.04	9.87%	2.58%	5.18%	13.05%
BRKL	73 Outperform	$957.87M	12.21	6.43%	5.02%	2.23%	2.59%
Sector *	68 Neutral	$17.53B	11.77	10.43%	3.83%	9.84%	1.31%
TMP	56 Neutral	$963.45M	12.02	11.06%	3.78%	31.82%	460.57%

Brookline Bancorp Corporate Events

Brookline Bancorp and Berkshire Hills Announce Merger

On August 6, 2025, Brookline Bancorp and Berkshire Hills Bancorp announced their merger, forming Beacon Financial Corporation, which will be listed on the NYSE under the ticker ‘BBT’. The merger, expected to close in the third quarter of 2025, aims to create a robust financial institution with a strong local presence and enhanced capabilities, while maintaining existing brand operations under the new Beacon Bank & Trust name.

The most recent analyst rating on (BRKL) stock is a Buy with a $13.50 price target. To see the full list of analyst forecasts on Brookline Bancorp stock, see the BRKL Stock Forecast page.

Brookline Bancorp Reports Strong Q2 2025 Earnings

Brookline Bancorp reported a net income of $22.0 million for the second quarter of 2025, showing an increase from previous quarters, driven by growth in its C&I portfolio and deposits. Despite a decrease in total loans and leases, the company saw an expansion in its net interest margin and a reduction in nonperforming assets, reflecting solid financial performance and strategic management of its portfolio.

The most recent analyst rating on (BRKL) stock is a Buy with a $10.00 price target. To see the full list of analyst forecasts on Brookline Bancorp stock, see the BRKL Stock Forecast page.

Brookline Bancorp Approves Merger with Berkshire Hills

On May 21, 2025, Brookline Bancorp, Inc. held a virtual special meeting of its stockholders to vote on several proposals related to a merger agreement with Berkshire Hills Bancorp, Inc. The proposal to adopt the merger agreement, which involves Brookline merging with Commerce Acquisition Sub, Inc. and subsequently with Berkshire, was approved. However, a non-binding advisory proposal regarding executive compensation in connection with the mergers was not approved. The approval of this compensation proposal was not necessary for the completion of the mergers.

The most recent analyst rating on (BRKL) stock is a Buy with a $10.00 price target. To see the full list of analyst forecasts on Brookline Bancorp stock, see the BRKL Stock Forecast page.