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Upturn AI SWOT - About
BRKL 
Brookline Bancorp Inc (BRKL)
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Upturn Advisory Summary
08/28/2025: 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 -8.84% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 990.84M USD | Price to earnings Ratio 12.52 | 1Y Target Price 14 |
Price to earnings Ratio 12.52 | 1Y Target Price 14 | ||
Volume (30-day avg) 4 | Beta 0.89 | 52 Weeks Range 9.04 - 12.59 | Updated Date 08/28/2025 |
52 Weeks Range 9.04 - 12.59 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 4.86% | 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 12.52 | Forward PE 10.27 | Enterprise Value 1674085760 | Price to Sales(TTM) 2.87 |
Enterprise Value 1674085760 | Price to Sales(TTM) 2.87 | ||
Enterprise Value to Revenue 5.94 | Enterprise Value to EBITDA - | Shares Outstanding 89104600 | Shares Floating 86805706 |
Shares Outstanding 89104600 | Shares Floating 86805706 | ||
Percent Insiders 2.08 | Percent Institutions 86.04 |
Upturn AI SWOT
Brookline Bancorp Inc
Company Overview
History and Background
Brookline Bancorp, Inc. was founded in 1871 as Brookline Savings Bank. Over the years, it has grown through organic expansion and strategic acquisitions, transforming from a single savings bank to a multi-bank holding company.
Core Business Areas
- Commercial Banking: Offers commercial real estate lending, commercial and industrial lending, and small business lending. Provides treasury management and other financial services to businesses.
- Retail Banking: Provides traditional retail banking services including checking accounts, savings accounts, mortgage lending, and consumer loans.
- Investment Services: Wealth management and investment advisory services are also provided.
Leadership and Structure
Paul Perrault serves as the Chairman and CEO. The company is structured with various executive leadership positions overseeing different business lines and support functions. The company also has regional market leaders for the banks under the Brookline Bancorp umbrella.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a key product. Market share data specific to Brookline Bancorp is not readily available. Competitors include other regional and national banks such as Eastern Bank (EBC), Bank of America (BAC) and Wells Fargo (WFC).
- Residential Mortgages: Brookline Bank offers a suite of residential mortgage products. Market share data is not readily available. Competitors include Rocket Mortgage (RKT) and other regional banks.
- Business Banking: Checking and loan products for small and medium sized businesses. Market share data is not readily available. Competitors include Bank of America (BAC) and local Credit Unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, inflation, increased regulatory scrutiny, and increased competition from fintech companies. Economic uncertainty poses risks to loan growth and asset quality.
Positioning
Brookline Bancorp is a regional bank focused on serving businesses and individuals in the Greater Boston area. Its competitive advantages include its strong local market presence, relationship-based banking approach, and conservative credit culture.
Total Addressable Market (TAM)
The TAM for banking services in the Greater Boston area is estimated to be in the tens of billions of dollars. Brookline Bancorp is positioned to capture a portion of this TAM through its various banking and lending products, but its market share is likely in the single-digit percentages.
Upturn SWOT Analysis
Strengths
- Strong local market presence in the Greater Boston area
- Experienced management team
- Conservative credit culture
- Diversified business lines
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Smaller scale compared to national banks
- Dependence on the economic health of the New England region
Opportunities
- Expansion into new geographic markets within New England
- Investment in technology to improve customer experience
- Strategic acquisitions of other community banks
- Growth in wealth management and investment services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic slowdown
- Increased regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- EBC
- BAC
- SBNY
- CIT
Competitive Landscape
Brookline Bancorp competes with larger national banks and smaller community banks. Its advantages include its local market knowledge and personalized service.
Major Acquisitions
First Bancorp
- Year: 2021
- Acquisition Price (USD millions): 452
- Strategic Rationale: Expanded Brookline's footprint and customer base in the Greater Boston area.
Growth Trajectory and Initiatives
Historical Growth: Brookline Bancorp has grown through organic expansion and acquisitions.
Future Projections: Future growth projections depend on market conditions and management's execution of its strategic plan. Analyst estimates can be found on financial websites.
Recent Initiatives: Brookline Bancorp continues to make digital improvements to streamline customer experiences and improve business processes.
Summary
Brookline Bancorp is a well-established regional bank with a strong presence in the Greater Boston area. Its conservative credit culture and experienced management team are strengths. However, it faces increasing competition from larger banks and fintech companies and is reliant on the economic health of the New England region.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Third-party financial data providers
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share information is based on 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 | 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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