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Upturn AI SWOT - About
Brookline Bancorp Inc (BRKL)
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Upturn Advisory Summary
04/22/2025: BRKL (1-star) is currently NOT-A-BUY. Pass it for now.
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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $14.25
1 Year Target Price $14.25
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 946.29M USD | Price to earnings Ratio 12.95 | 1Y Target Price 14.25 |
Price to earnings Ratio 12.95 | 1Y Target Price 14.25 | ||
Volume (30-day avg) 4 | Beta 0.86 | 52 Weeks Range 7.96 - 12.76 | Updated Date 06/30/2025 |
52 Weeks Range 7.96 - 12.76 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 5.08% | Basic EPS (TTM) 0.82 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.61% | Operating Margin (TTM) 34.99% |
Management Effectiveness
Return on Assets (TTM) 0.63% | Return on Equity (TTM) 6.01% |
Valuation
Trailing PE 12.95 | Forward PE 10.27 | Enterprise Value 1790565888 | Price to Sales(TTM) 2.79 |
Enterprise Value 1790565888 | Price to Sales(TTM) 2.79 | ||
Enterprise Value to Revenue 5.98 | Enterprise Value to EBITDA - | Shares Outstanding 89104600 | Shares Floating 86698781 |
Shares Outstanding 89104600 | Shares Floating 86698781 | ||
Percent Insiders 2.72 | Percent Institutions 85.93 |
Analyst Ratings
Rating 2 | Target Price 14.25 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Brookline Bancorp Inc
Company Overview
History and Background
Brookline Bancorp, Inc. was founded in 1871. Originally a cooperative bank, it has grown through acquisitions and organic growth, becoming a commercial bank offering a wide range of financial services.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to small and medium-sized businesses, including commercial real estate loans, business loans, and deposit accounts.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Investment Services: Provides wealth management, trust services, and financial planning for individuals and businesses.
Leadership and Structure
Paul Perrault serves as the Chief Executive Officer. The company operates under a board of directors and an executive management team overseeing various business segments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, providing financing for acquisition, development, or refinancing. Competitors include larger regional banks and national lenders. Market share data is not publicly available at a granular level.
- Description: Brookline Bank is a major CRE lender in the greater Boston Market. Market share estimates are not readily available, but Brookline is a leading player.
- Business Loans: Lines of credit and term loans for small and medium-sized businesses to fund operations, expansion, or equipment purchases. Competitors include local banks, credit unions, and online lenders. Market share data is not publicly available at a granular level.
- Mortgage Lending: Residential mortgage products for home purchase and refinancing. Competitors include national mortgage lenders and local banks. Market share data is not publicly available at a granular level.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and technological disruption. Competition is intense, with traditional banks facing challenges from fintech companies and online lenders.
Positioning
Brookline Bancorp Inc. positions itself as a relationship-focused bank with a strong presence in the Greater Boston area. Its competitive advantage lies in its local market knowledge and customer service.
Total Addressable Market (TAM)
The TAM for banking services in the Greater Boston area is estimated to be in the billions of dollars. Brookline Bancorp Inc. holds a small but significant share of this market, with growth potential through expansion of its product offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong local market presence in Greater Boston
- Experienced management team
- Solid asset quality
- Relationship-focused banking approach
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking services
- Lower brand recognition outside of its core market
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Capitalizing on the decline of larger banks in customer services.
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in the Greater Boston area
- Regulatory changes
Competitors and Market Share
Key Competitors
- Fidelity Bancorp Inc (FNBC)
- Independent Bank Corp (INDB)
- Eastern Bankshares Inc (EBC)
Competitive Landscape
Brookline Bancorp Inc faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its personalized service and local market expertise, but it needs to innovate and digitally transform.
Major Acquisitions
First Bancorp
- Year: 2021
- Acquisition Price (USD millions): 260
- Strategic Rationale: Expanded Brookline's presence in Southeastern Massachusetts and provided access to new markets and customers.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires specific data input.
Future Projections: Future projections require specific data input.
Recent Initiatives: Recent initiatives require specific data input.
Summary
Brookline Bancorp Inc. is a well-established regional bank with a strong presence in the Greater Boston area. Its relationship-focused approach and local market expertise are key strengths. However, the bank faces challenges from increasing competition and the need to adapt to technological changes. While the company is growing, the smaller size of the company is a hinderance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Market Data Providers
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share information is based on limited publicly available data and may not be precise. Financial data and market share requires specific data input. This analysis is based on available data and subject to change.
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 | Chairman & CEO Mr. Paul A. Perrault | ||
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 provides 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 provides 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 headquartered in Boston, Massachusetts.
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