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Upturn AI SWOT - About
BRKL 
Brookline Bancorp Inc (BRKL)
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Upturn Advisory Summary
08/29/2025: BRKL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $14
1 Year Target Price $14
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.42% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 975.70M USD | Price to earnings Ratio 12.44 | 1Y Target Price 14 |
Price to earnings Ratio 12.44 | 1Y Target Price 14 | ||
Volume (30-day avg) 4 | Beta 0.92 | 52 Weeks Range 9.04 - 12.59 | Updated Date 09/14/2025 |
52 Weeks Range 9.04 - 12.59 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 4.93% | Basic EPS (TTM) 0.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.82% | Operating Margin (TTM) 38.04% |
Management Effectiveness
Return on Assets (TTM) 0.68% | Return on Equity (TTM) 6.43% |
Valuation
Trailing PE 12.44 | Forward PE 10.27 | Enterprise Value 1667848448 | Price to Sales(TTM) 2.82 |
Enterprise Value 1667848448 | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 9.18 | Enterprise Value to EBITDA - | Shares Outstanding 89104600 | Shares Floating 88605619 |
Shares Outstanding 89104600 | Shares Floating 88605619 | ||
Percent Insiders 1.19 | Percent Institutions 86.04 |
Upturn AI SWOT
Brookline Bancorp Inc
Company Overview
History and Background
Brookline Bancorp, Inc. was founded in 1871 as Brookline Co-operative Bank. It transitioned to a publicly traded company in 1996. Over the years, it has grown through organic expansion and strategic acquisitions, establishing a strong presence in the Greater Boston area and Southern New England.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products and services to small and middle-market businesses.
- Retail Banking: Offers a variety of deposit accounts, loans, and other financial services to individual customers.
- Investment Management: Provides wealth management and investment advisory services.
Leadership and Structure
Paul Perrault serves as the Chairman and CEO. The organizational structure comprises various departments, including commercial lending, retail banking, finance, risk management, and compliance, all overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to obtain precisely, but Brookline is a significant player in the Boston CRE market. Competitors include Eastern Bank, Santander, and local credit unions.
- Small Business Loans: Loans designed for small businesses. Competition from national and regional banks, as well as online lenders (e.g., Kabbage, BlueVine), is intense.
- Residential Mortgages: Mortgage loans for homeowners. Competition includes large national banks like JP Morgan Chase and Wells Fargo, as well as smaller regional players.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. The regional banking sector is also experiencing consolidation.
Positioning
Brookline Bancorp is a well-established regional bank with a strong presence in the Greater Boston area. Its competitive advantage lies in its local market knowledge, customer relationships, and focus on community banking.
Total Addressable Market (TAM)
The total addressable market for banking services in Brookline's operating area (Greater Boston & Southern New England) is estimated to be in the tens of billions of dollars annually. Brookline is positioned to capture a share of this market through its commercial, retail, and investment management services.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid credit quality
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Higher expense ratio than peers
- Reliance on traditional banking model
- Sensitivity to interest rate changes
Opportunities
- Expanding into new markets within Southern New England
- Acquiring smaller community banks
- Investing in fintech solutions
- Growing wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- Eastern Bank (Private)
- Santander Bank (SAN)
- Citizens Financial Group (CFG)
Competitive Landscape
Brookline Bancorp competes with larger national and regional banks, as well as smaller community banks and credit unions. It differentiates itself through its local market knowledge, customer relationships, and community focus. However, it faces challenges in terms of scale and resources compared to larger competitors.
Major Acquisitions
First Bank
- Year: 2012
- Acquisition Price (USD millions): 124
- Strategic Rationale: Expanded Brookline Bancorp's market presence in Eastern Massachusetts.
Growth Trajectory and Initiatives
Historical Growth: Brookline Bancorp has historically grown through a combination of organic growth and acquisitions.
Future Projections: Future Projections for Brookline Bancorp Inc. (BRKL) require access to real-time financial data sources and analyst estimates which I don't have. I cannot provide the most up-to-date information.
Recent Initiatives: Recent Initiatives for Brookline Bancorp Inc. (BRKL) require access to real-time financial data sources and news articles which I don't have. I cannot provide the most up-to-date information.
Summary
Brookline Bancorp is a regional bank with a solid market position in Greater Boston. Its strengths lie in its local market knowledge and customer relationships. However, it faces increasing competition from larger banks and fintech companies. Future growth will depend on its ability to expand its market reach and adapt to changing customer needs and preferences.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share figures are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Brookline Bancorp Inc
Exchange NASDAQ | Headquaters Boston, MA, United States | ||
IPO Launch date 1998-03-25 | President, CEO & Director of Brookline Bank Mr. Darryl J. Fess | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 951 | Website https://www.brooklinebancorp.com |
Full time employees 951 | Website https://www.brooklinebancorp.com | ||
Brookline Bancorp, Inc. operates as a bank holding company for the Brookline Bank that offers commercial, business, and retail banking products and 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 comprises first mortgage loans secured by commercial and residential real estate, 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 offers credit, term loans, letters of credit, foreign exchange and cash management services, consumer and residential loans, cash management services, wealth and investment advisory services, and online and mobile banking services, as well as invests in debt and equity securities. The company was founded in 1871 and is based in Boston, Massachusetts. As of September 1, 2025, Brookline Bancorp, Inc. operates as a subsidiary of Beacon Financial Corporation.
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