Brookline Bancorp Inc - Understand $brkl stock

$BRKL Market Cap: $1.141 Billion

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Financial Snapshot

Revenue

$470.4M

TTM

Gross Margin

Net Earnings

$51.18M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$11.91B

Q4 2024

Total Liabilities

$10.68B

Q4 2024

Book Value

$1.222B

Q4 2024

Cash

$543.7M

Q4 2024

P/E

22.30

Nov 29, 2024 EST

Free Cash Flow

$58.30M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	$628.5M	$577.3M	$345.2M	$311.5M	$326.8M	$347.6M	$313.9M	$263.1M	$239.6M	$226.9M	$218.5M	$206.4M	$213.2M	$140.5M	$131.0M
YoY Change	8.87%	67.24%	10.8%	-4.68%	-5.99%	10.75%	19.33%	9.77%	5.61%	3.86%	5.86%	-3.2%	51.71%	7.29%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$628.5M	$577.3M	$345.2M	$311.5M	$326.8M	$347.6M	$313.9M	$263.1M	$239.6M	$226.9M	$218.5M	$206.4M	$213.2M	$140.5M	$131.0M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$8.000M	$8.500M	$6.100M	$5.900M	$5.700M	$7.000M	$7.500M	$7.400M	$7.200M	$7.200M	$7.000M	$6.300M	$3.700M	$2.100M	$1.600M	$3.000M	$3.200M	$3.500M	$3.700M	$3.900M	$700.0K	$700.0K	$500.0K	$1.000M	$900.0K	$500.0K	$500.0K	$500.0K	$300.0K	$200.0K
YoY Change	-5.88%	39.34%	3.39%	3.51%	-18.57%	-6.67%	1.35%	2.78%	0.0%	2.86%	11.11%	70.27%	76.19%	31.25%	-46.67%	-6.25%	-8.57%	-5.41%	-5.13%	457.14%	0.0%	40.0%	-50.0%	11.11%	80.0%	0.0%	0.0%	66.67%	50.0%	0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$237.6M	$45.42M	$29.16M	$66.65M	$94.33M	$66.19M	$39.87M	$35.98M	$32.55M	$29.41M	$30.17M	$35.83M	$30.34M	$34.57M
YoY Change	423.12%	55.77%	-56.26%	-29.34%	42.5%	66.03%	10.8%	10.57%	10.64%	-2.49%	-15.81%	18.12%	-12.24%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$91.69M	$93.91M	$139.9M	$154.6M	$62.08M	$116.0M	$112.7M	$97.26M	$85.62M	$81.72M	$71.61M	$58.47M	$59.71M	$48.71M	$46.80M	$33.10M	$21.70M	$29.40M	$34.60M	$36.90M	$30.60M	$29.50M	$34.30M	$30.60M	$33.60M	$32.20M	$30.00M	$21.10M	$19.70M	$19.20M
YoY Change	-2.37%	-32.89%	-9.47%	149.03%	-46.5%	2.92%	15.92%	13.59%	4.77%	14.12%	22.48%	-2.08%	22.6%	4.08%	41.38%	52.53%	-26.19%	-15.03%	-6.23%	20.59%	3.73%	-13.99%	12.09%	-8.93%	4.35%	7.33%	42.18%	7.11%	2.6%	28.0%
Income Tax	$22.98M	$18.92M	$30.21M	$39.15M	$14.44M	$28.27M	$26.19M	$43.64M	$30.39M	$29.35M	$26.29M	$20.66M	$21.34M	$19.89M	$19.16M	$13.40M	$8.500M	$11.20M	$13.60M	$14.90M	$12.80M	$15.00M	$12.40M	$11.20M	$12.00M	$11.40M	$10.80M	$7.300M	$7.800M	$7.400M
% Of Pretax Income	25.06%	20.14%	21.58%	25.33%	23.26%	24.36%	23.23%	44.87%	35.5%	35.92%	36.71%	35.34%	35.74%	40.83%	40.93%	40.48%	39.17%	38.1%	39.31%	40.38%	41.83%	50.85%	36.15%	36.6%	35.71%	35.4%	36.0%	34.6%	39.59%	38.54%
Net Earnings	$68.72M	$75.00M	$109.7M	$115.4M	$47.64M	$87.72M	$83.06M	$50.52M	$52.36M	$49.78M	$43.29M	$36.02M	$37.14M	$28.82M	$27.64M	$19.20M	$12.90M	$17.70M	$20.80M	$22.00M	$17.80M	$14.50M	$21.90M	$19.30M	$21.60M	$20.80M	$19.20M	$13.70M	$11.90M	$11.80M
YoY Change	-8.38%	-31.66%	-4.93%	142.34%	-45.69%	5.6%	64.42%	-3.52%	5.18%	15.0%	20.19%	-3.03%	28.88%	4.26%	43.96%	48.84%	-27.12%	-14.9%	-5.45%	23.6%	22.76%	-33.79%	13.47%	-10.65%	3.85%	8.33%	40.15%	15.13%	0.85%	29.67%
Net Earnings / Revenue	10.93%	12.99%	31.79%	37.06%	14.58%	25.23%	26.46%	19.2%	21.85%	21.94%	19.81%	17.45%	17.42%	20.51%	21.1%
Basic Earnings Per Share	$0.77	$0.85	$1.42	$1.48	$0.60	$1.10	$1.04	$0.68	$0.74	$0.71	$0.62	$0.52	$0.53	$0.47	$0.46
Diluted Earnings Per Share	$0.77	$0.85	$1.419M	$1.48	$0.60	$1.10	$1.04	$0.68	$0.74	$0.71	$0.62	$0.52	$0.53	$0.47	$0.46	$328.8K	$222.8K	$296.5K	$340.4K	$361.8K	$306.4K	$250.4K	$375.0K	$327.1K	$366.7K	$339.3K	$302.8K	$215.4K	$187.1K	$185.5K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$120.7M	$90.88M	$90.90M	$95.70M	$99.20M	$76.40M	$80.30M	$76.20M	$78.20M	$80.60M	$80.50M	$70.80M	$38.50M	$11.10M	$10.70M	$10.20M	$9.000M	$9.300M	$10.00M	$3.900M	$2.700M	$1.800M	$1.900M	$3.800M	$1.500M	$1.200M	$1.400M	$1.400M	$1.100M
YoY Change	32.84%	-0.03%	-5.02%	-3.53%	29.84%	-4.86%	5.38%	-2.56%	-2.98%	0.12%	13.7%	83.9%	246.85%	3.74%	4.9%	13.33%	-3.23%	-7.0%	156.41%	44.44%	50.0%	-5.26%	-50.0%	153.33%	25.0%	-14.29%	0.0%	27.27%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$56.95M	$52.24M	$39.00M	$40.10M	$25.00M	$21.50M	$15.10M	$25.20M	$26.80M	$27.70M	$31.70M	$27.20M	$12.70M	$10.20M	$10.20M	$13.30M	$10.80M	$11.00M	$11.30M	$10.00M	$8.800M	$5.800M	$4.600M	$4.000M	$3.200M		$0.00	$900.0K	$1.700M
YoY Change	9.03%	33.94%	-2.74%	60.4%	16.28%	42.38%	-40.08%	-5.97%	-3.25%	-12.62%	16.54%	114.17%	24.51%	0.0%	-23.31%	23.15%	-1.82%	-2.65%	13.0%	13.64%	51.72%	26.09%	15.0%	25.0%			-100.0%	-47.06%
Total Long-Term Assets
YoY Change
Total Assets	$11.38B	$9.223B	$8.603B	$8.942B	$7.857B	$7.393B	$6.780B	$6.438B	$6.042B	$5.801B	$5.325B	$5.148B	$3.299B	$2.721B	$2.616B	$2.613B	$2.419B	$2.373B	$2.215B	$1.695B	$1.524B	$1.423B	$1.100B	$1.036B	$907.3M	$879.0M	$701.1M	$667.0M	$632.8M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$221.8M	$249.4M	$193.8M	$263.8M	$111.5M	$78.00M	$58.90M	$62.80M	$63.50M	$58.60M	$51.50M	$54.60M	$26.20M	$17.30M	$17.00M	$20.00M	$20.10M	$19.50M	$14.20M	$10.90M	$10.90M	$7.500M	$7.700M	$7.600M	$7.100M	$5.900M	$6.000M	$4.300M	$4.000M
YoY Change	-11.07%	28.7%	-26.54%	136.59%	42.95%	32.43%	-6.21%	-1.1%	8.36%	13.79%	-5.68%	108.4%	51.45%	1.76%	-15.0%	-0.5%	3.08%	37.32%	30.28%	0.0%	45.33%	-2.6%	1.32%	7.04%	20.34%	-1.67%	39.53%	7.5%
Deferred Revenue
YoY Change
Short-Term Debt	$69.26M												$8.300M	$13.00M
YoY Change													-36.15%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$221.8M	$249.4M	$193.8M	$263.8M	$111.5M	$78.00M	$58.90M	$62.80M	$63.50M	$58.60M	$51.50M	$54.60M	$26.20M	$17.30M	$18.10M	$20.00M	$20.10M	$19.50M	$14.80M	$10.90M	$12.40M	$12.50M	$10.80M	$7.800M	$8.000M	$11.70M	$11.90M	$5.700M	$6.000M
YoY Change	-11.07%	28.7%	-26.54%	136.59%	42.95%	32.43%	-6.21%	-1.1%	8.36%	13.79%	-5.68%	108.4%	51.45%	-4.42%	-9.5%	-0.5%	3.08%	31.76%	35.78%	-12.1%	-0.8%	15.74%	38.46%	-2.5%	-31.62%	-1.68%	108.77%	-5.0%
Long-Term Debt	$153.4M	$194.8M	$209.4M	$171.4M	$144.3M	$136.2M	$130.9M	$133.3M	$121.2M	$122.4M	$43.80M	$63.10M	$0.00	$0.00	$0.00	$0.00	$7.000M	$12.10M	$12.20M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-21.24%	-6.96%	22.17%	18.78%	5.95%	4.05%	-1.8%	9.98%	-0.98%	179.45%	-30.59%					-100.0%	-42.15%	-0.82%
Other Long-Term Liabilities	$19.77M	$20.60M			$59.70M	$22.20M	$8.900M	$9.700M	$8.800M	$2.700M
YoY Change	-4.05%				168.92%	149.44%	-8.25%	10.23%	225.93%
Total Long-Term Liabilities	$173.2M	$215.4M	$209.4M	$171.4M	$204.0M	$158.4M	$139.8M	$143.0M	$130.0M	$125.1M	$43.80M	$63.10M	$0.00	$0.00	$0.00	$0.00	$7.000M	$12.10M	$12.20M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-19.6%	2.88%	22.17%	-15.98%	28.79%	13.3%	-2.24%	10.0%	3.92%	185.62%	-30.59%					-100.0%	-42.15%	-0.82%
Total Liabilities	$10.18B	$8.230B	$7.607B	$8.001B	$6.911B	$6.493B	$5.976B	$5.743B	$5.375B	$5.159B	$4.711B	$4.535B	$2.795B	$2.225B	$2.129B	$2.119B	$1.900B	$1.790B	$1.612B	$1.110B	$917.4M	$791.0M	$814.2M	$753.6M	$632.5M	$600.8M	$568.4M	$553.0M	$532.2M
YoY Change	23.73%	8.19%	-4.92%	15.76%	6.45%	8.64%	4.07%	6.84%	4.18%	9.51%	3.88%	62.25%	25.63%	4.53%	0.45%	11.54%	6.13%	11.03%	45.32%	20.94%	15.98%	-2.85%	8.04%	19.15%	5.28%	5.7%	2.78%	3.91%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	88.98M shares	88.23M shares	77.08M shares	77.97M shares	78.95M shares	79.68M shares	79.67M shares	74.46M shares	70.26M shares	70.10M shares	69.95M shares	69.81M shares	69.70M shares	58.63M shares	58.58M shares
Diluted Shares Outstanding	89.30M shares	88.45M shares	77.35M shares	78.24M shares	79.10M shares	79.86M shares	79.91M shares	74.81M shares	70.44M shares	70.24M shares	70.05M shares	69.88M shares	69.75M shares	58.64M shares	58.58M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $1.1414 Billion

About BROOKLINE BANCORP INC

Brookline Bancorp, Inc. is a multi-bank holding company that engages in the provision of financial solutions through its subsidiaries. The company is headquartered in Boston, Massachusetts and currently employs 974 full-time employees. The Bank offers a range of commercial, business and retail banking services, including a full complement of cash management products, on-line banking services, and consumer and residential loans and investment services, designed to meet the financial needs of small-to mid-sized businesses and individuals throughout Central New England and the Lower Hudson Valley in New York. Its specialty lending activities, including equipment financing, are focused on the New York and New Jersey metropolitan area, with services offered throughout the United States. The Bank, through its subsidiary Eastern Funding LLC, conducts equipment financing activities in the greater New York and New Jersey metropolitan area and elsewhere in the United States. The Bank operates 29 full-service banking offices and two lending offices in the greater Boston metropolitan area.

Industry: Savings Institution, Federally Chartered Peers: BANC OF CALIFORNIA, INC. ConnectOne Bancorp, Inc. Origin Bancorp, Inc. Customers Bancorp, Inc. PREMIER FINANCIAL CORP HERITAGE FINANCIAL CORP /WA/ NICOLET BANKSHARES INC PNC FINANCIAL SERVICES GROUP, INC.