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Brookline Bancorp (BRKL) Financials

Brookline Bancorp logo
$10.95 0.00 (0.00%)
As of 09/2/2025
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Annual Income Statements for Brookline Bancorp

Annual Income Statements for Brookline Bancorp

This table shows Brookline Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 43 50 52 51 83 88 48 115 110 75 69
Consolidated Net Income / (Loss)		 45 52 55 54 87 88 48 115 110 75 69
Net Income / (Loss) Continuing Operations		 45 52 55 54 87 88 48 115 110 75 69
Total Pre-Tax Income 		72 82 86 97 113 116 62 155 140 94 92
Total Revenue		 209 215 226 255 273 283 285 309 328 372 355
Net Interest Income / (Expense)		 189 194 204 223 248 253 260 282 300 340 330
Total Interest Income		 218 227 240 263 314 348 327 312 345 577 629
Loans and Leases Interest Income		 207 213 225 247 295 330 310 298 329 534 588
Investment Securities Interest Income		 12 14 15 16 19 17 17 14 16 44 41
Total Interest Expense		 29 33 36 40 66 94 67 29 45 238 299
Deposits Interest Expense		 17 17 20 23 42 70 48 21 30 176 233
Long-Term Debt Interest Expense		 12 15 16 17 24 25 18 8.44 16 62 66
Total Non-Interest Income		 20 20 23 32 25 30 25 27 28 32 26
Other Service Charges		 16 15 15 16 18 19 17 19 20 24 23
Net Realized & Unrealized Capital Gains on Investments		 4.16 5.61 7.22 16 7.55 10 7.36 8.38 8.70 8.18 2.61
Provision for Credit Losses		 8.48 7.45 10 19 4.95 9.58 62 -7.84 8.63 38 22
Total Non-Interest Expense		 129 125 130 139 155 157 161 163 180 240 242
Salaries and Employee Benefits		 72 71 78 82 92 97 101 107 113 139 144
Net Occupancy & Equipment Expense		 31 29 29 31 33 34 33 33 37 47 49
Marketing Expense		 3.06 3.35 3.38 3.37 4.02 4.04 4.13 4.17 4.98 4.72 5.24
Property & Liability Insurance Claims		 3.36 3.51 3.33 3.33 2.72 1.45 4.23 2.98 3.18 7.84 8.04
Other Operating Expenses		 16 16 14 16 18 18 18 15 18 26 24
Amortization Expense		 3.34 2.91 2.50 2.09 2.08 1.66 1.27 0.88 0.49 7.84 6.75
Restructuring Charge		 - 0.00 0.00 0.41 3.79 1.13 0.00 0.00 2.25 7.41 4.20
Income Tax Expense		 26 29 30 44 26 28 14 39 30 19 23
Basic Earnings per Share		 $0.62 $0.71 $0.74 $0.68 $1.04 $1.10 $0.60 $1.48 $1.42 $0.85 $0.77
Weighted Average Basic Shares Outstanding		 69.95M 70.10M 70.26M 74.46M 79.67M 79.68M 78.95M 77.97M 77.08M 88.23M 88.98M
Diluted Earnings per Share		 $0.62 $0.71 $0.74 $0.68 $1.04 $1.10 $0.60 $1.48 $1.42 $0.85 $0.77
Weighted Average Diluted Shares Outstanding		 70.05M 70.24M 70.44M 74.81M 79.91M 79.86M 79.10M 78.24M 77.35M 88.45M 89.30M
Weighted Average Basic & Diluted Shares Outstanding		 69.80M 70.10M 70.80M 74.30M 79.90M 79.77M 78.19M 77.64M 88.67M 88.89M 89.10M
Cash Dividends to Common per Share		 $0.34 $0.36 $0.36 $0.36 $0.40 $0.45 $0.46 $0.49 $0.53 $0.54 $0.54

Quarterly Income Statements for Brookline Bancorp

This table shows Brookline Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 30 30 7.56 22 23 23 15 16 20 18 19
Consolidated Net Income / (Loss)		 30 30 7.56 22 23 23 15 16 20 18 19
Net Income / (Loss) Continuing Operations		 30 30 7.56 22 23 23 15 16 20 18 19
Total Pre-Tax Income 		37 36 8.67 28 29 29 19 22 27 24 25
Total Revenue		 85 89 99 91 90 92 88 86 89 92 91
Net Interest Income / (Expense)		 78 80 86 86 84 84 82 80 83 85 86
Total Interest Income		 89 103 133 145 147 152 155 155 160 158 154
Loans and Leases Interest Income		 84 98 122 132 137 143 145 146 150 147 143
Investment Securities Interest Income		 4.27 5.02 11 13 10 9.37 10 9.77 9.92 11 10
Total Interest Expense		 11 23 47 59 63 69 74 75 77 73 68
Deposits Interest Expense		 7.35 14 29 43 49 54 57 60 60 57 53
Long-Term Debt Interest Expense		 3.26 9.19 17 16 14 15 17 16 17 17 14
Total Non-Interest Income		 6.83 9.06 13 5.46 5.51 8.03 6.28 6.40 6.35 6.59 5.66
Other Service Charges		 4.67 5.45 7.23 4.79 4.91 6.84 5.85 6.16 5.93 5.07 5.57
Net Realized & Unrealized Capital Gains on Investments		 2.16 3.60 5.71 0.67 0.60 1.19 0.44 0.24 0.42 1.52 0.09
Provision for Credit Losses		 2.84 5.73 26 5.86 3.03 3.78 7.38 5.57 4.66 4.04 5.99
Total Non-Interest Expense		 45 47 65 58 58 59 61 59 58 64 60
Salaries and Employee Benefits		 28 30 37 33 33 35 37 35 35 37 36
Net Occupancy & Equipment Expense		 8.97 9.76 12 11 12 12 13 12 12 12 13
Marketing Expense		 1.34 1.05 1.41 1.38 1.17 0.76 1.57 1.50 0.86 1.30 0.87
Property & Liability Insurance Claims		 0.71 1.00 1.24 2.61 2.15 1.84 1.88 2.03 2.12 2.02 2.04
Other Operating Expenses		 4.44 5.12 5.50 6.04 7.16 6.91 6.42 6.12 6.00 5.95 6.13
Amortization Expense		 0.12 0.12 1.97 1.95 1.96 1.97 1.71 1.67 1.67 1.70 1.43
Restructuring Charge		 1.07 0.64 6.41 1.00 0.00 - 0.00 0.82 0.00 3.38 0.97
Income Tax Expense		 6.92 6.44 1.11 5.97 6.17 5.68 4.81 5.27 6.61 6.28 6.38
Basic Earnings per Share		 $0.39 $0.38 $0.09 $0.25 $0.26 $0.25 $0.16 $0.18 $0.23 $0.20 $0.21
Weighted Average Basic Shares Outstanding		 76.78M 77.08M 86.56M 88.67M 88.80M 88.23M 88.89M 88.90M 89.03M 88.98M 89.10M
Diluted Earnings per Share		 $0.39 $0.38 $0.09 $0.25 $0.26 $0.25 $0.16 $0.18 $0.23 $0.20 $0.21
Weighted Average Diluted Shares Outstanding		 77.01M 77.35M 86.84M 88.93M 88.97M 88.45M 89.18M 89.22M 89.32M 89.30M 89.57M
Weighted Average Basic & Diluted Shares Outstanding		 76.84M 88.67M 88.67M 88.67M 88.87M 88.89M 88.89M 88.91M 89.10M 89.10M 89.10M
Cash Dividends to Common per Share		 $0.13 $0.15 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14 $0.14

Annual Cash Flow Statements for Brookline Bancorp

This table details how cash moves in and out of Brookline Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -30 13 -7.83 -6.65 29 -12 357 -107 55 -250 411
Net Cash From Operating Activities		 84 65 78 85 123 103 112 133 121 117 105
Net Cash From Continuing Operating Activities		 84 65 78 85 123 103 112 133 121 117 105
Net Income / (Loss) Continuing Operations		 43 50 52 51 83 88 48 115 110 75 69
Consolidated Net Income / (Loss)		 43 50 52 51 83 88 48 115 110 75 69
Provision For Loan Losses		 8.48 7.45 10 19 - 9.58 62 -7.84 8.63 38 22
Depreciation Expense		 7.02 7.07 7.08 7.23 7.38 6.86 5.49 5.79 6.03 8.16 7.89
Amortization Expense		 16 9.63 11 11 11 11 11 4.14 2.23 -0.72 1.19
Non-Cash Adjustments to Reconcile Net Income		 3.17 -14 -0.13 6.12 6.79 6.95 1.97 9.61 8.47 9.47 -1.96
Changes in Operating Assets and Liabilities, net		 6.41 4.74 -2.38 -8.83 14 -19 -16 6.07 -14 -14 7.47
Net Cash From Investing Activities		 -529 -232 -428 -384 -588 -399 -696 131 -558 -665 -140
Net Cash From Continuing Investing Activities		 -529 -232 -428 -384 -588 -399 -696 131 -558 -665 -140
Purchase of Property, Leasehold Improvements and Equipment		 -7.78 -4.78 -5.26 -12 -3.35 -5.00 -2.91 -4.79 -7.39 -12 -4.99
Purchase of Investment Securities		 -626 -625 -621 -505 -715 -532 -1,101 -231 -264 -494 -187
Sale and/or Maturity of Investments		 104 398 199 132 130 138 408 649 673 797 318
Other Investing Activities, net		 - - - - - - - -282 -960 -956 -266
Net Cash From Financing Activities		 415 180 342 292 494 285 940 -372 492 299 445
Net Cash From Continuing Financing Activities		 415 180 342 292 494 285 940 -372 492 299 445
Net Change in Deposits		 123 348 305 260 582 376 1,081 139 -528 457 352
Issuance of Debt		 2,293 4,018 5,917 4,686 6,613 4,030 3,015 378 8,609 6,155 1,643
Repayment of Debt		 -1,977 -4,159 -5,854 -4,708 -6,713 -4,048 -3,097 -841 -7,533 -6,264 -1,500
Repurchase of Common Equity		 - - 0.00 0.00 -10 -1.87 -20 -9.98 -14 0.00 0.00
Payment of Dividends		 -25 -26 -27 -29 -33 -36 -36 -37 -40 -48 -48
Other Financing Activities, Net		 0.67 -0.92 0.51 1.28 55 -36 -1.74 -0.24 -1.41 -1.39 -2.05
Cash Interest Paid		 31 36 39 41 65 95 69 30 41 238 291
Cash Income Taxes Paid		 21 27 30 34 21 27 29 28 23 8.63 13

Quarterly Cash Flow Statements for Brookline Bancorp

This table details how cash moves in and out of Brookline Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 22 270 103 -262 -63 -28 169 41 65 136 -186
Net Cash From Operating Activities		 40 42 18 31 29 39 8.84 28 24 43 8.01
Net Cash From Continuing Operating Activities		 40 42 18 31 29 39 8.84 28 24 43 8.01
Net Income / (Loss) Continuing Operations		 30 30 7.56 22 23 23 15 16 20 18 19
Consolidated Net Income / (Loss)		 30 30 7.56 22 23 23 15 16 20 18 19
Provision For Loan Losses		 2.89 5.73 26 5.53 3.36 3.78 7.38 5.57 4.66 4.04 5.99
Depreciation Expense		 1.50 1.59 1.97 1.96 2.10 2.13 2.12 1.96 1.94 1.88 1.83
Amortization Expense		 1.73 -3.79 -0.48 -0.46 0.14 0.08 0.04 0.27 0.39 0.49 0.19
Non-Cash Adjustments to Reconcile Net Income		 0.43 5.99 -6.05 0.77 7.66 7.09 -1.34 0.16 1.18 -1.94 1.27
Changes in Operating Assets and Liabilities, net		 3.39 3.19 -11 1.18 -7.29 3.17 -14 3.95 -3.94 21 -20
Net Cash From Investing Activities		 -129 -222 -413 63 -32 -283 18 -62 -7.23 -88 173
Net Cash From Continuing Investing Activities		 -129 -222 -413 63 -32 -283 18 -62 -7.23 -88 173
Purchase of Property, Leasehold Improvements and Equipment		 -2.10 -3.10 -3.77 -4.87 -2.05 -1.66 -2.00 -0.66 -0.51 -1.81 0.00
Purchase of Investment Securities		 200 -110 -382 -7.11 -53 -52 -5.35 -49 -42 -91 -3.36
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 - - - 0.48
Sale and/or Maturity of Investments		 104 419 403 203 92 98 53 62 140 64 54
Other Investing Activities, net		 - -529 -430 -128 -70 -327 -28 -73 -105 -60 122
Net Cash From Financing Activities		 111 450 498 -356 -60 216 142 75 48 181 -367
Net Cash From Continuing Financing Activities		 111 450 498 -356 -60 216 142 75 48 181 -367
Net Change in Deposits		 -159 -213 367 60 49 -18 170 18 -5.00 169 9.70
Issuance of Debt		 1,764 5,710 4,266 220 165 1,504 373 437 535 356 256
Repayment of Debt		 -1,483 -5,036 -4,122 -624 -256 -1,262 -388 -370 -467 -334 -620
Payment of Dividends		 -9.97 -10 -12 -12 -12 -12 -12 -12 -12 -12 -12
Other Financing Activities, Net		 -0.71 -0.18 -0.84 0.13 -5.34 4.66 -0.99 0.87 -3.35 1.42 -0.61
Cash Interest Paid		 11 19 44 58 64 72 67 75 77 73 69
Cash Income Taxes Paid		 6.63 2.80 2.51 5.88 0.05 0.20 0.55 6.52 3.12 2.91 1.62

Annual Balance Sheets for Brookline Bancorp

This table presents Brookline Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2013 2014 2015 2016 2017 2018 2020 2021 2022 2023 2024
Period end date 12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 5,325 5,801 6,042 6,438 6,780 7,393 8,942 8,603 9,186 11,382 11,905
Cash and Due from Banks		 93 63 75 68 61 90 435 328 383 133 544
Trading Account Securities		 493 553 620 624 1,192 625 746 721 657 917 895
Loans and Leases, Net of Allowance		 4,314 4,769 4,939 5,345 5,672 6,245 7,270 7,055 7,546 9,524 9,654
Loans and Leases		 4,362 4,823 4,996 5,399 5,731 6,304 7,270 7,154 7,644 9,642 9,779
Allowance for Loan and Lease Losses		 48 54 57 54 59 59 - 99 99 118 125
Premises and Equipment, Net		 81 81 78 76 80 76 72 70 71 90 87
Goodwill		 138 138 138 138 138 160 160 160 160 241 241
Intangible Assets		 17 14 11 8.13 6.04 6.09 3.15 2.28 1.78 24 17
Other Assets		 177 184 181 179 170 190 256 266 367 454 467
Total Liabilities & Shareholders' Equity		 5,325 5,801 6,042 6,438 6,780 7,393 8,942 8,603 9,186 11,382 11,905
Total Liabilities		 4,707 5,154 5,369 5,735 5,968 6,482 8,001 7,607 8,194 10,184 10,683
Interest Bearing Deposits		 3,843 3,967 4,314 4,619 4,879 5,461 6,917 7,056 6,528 8,565 8,918
Short-Term Debt		 35 40 38 50 - 53 88 126 111 69 80
Long-Term Debt		 778 1,087 945 994 1,021 868 733 232 1,322 1,307 1,440
Other Long-Term Liabilities		 51 61 72 73 68 100 264 194 233 242 246
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 618 647 673 703 813 911 942 995 992 1,199 1,222
Total Preferred & Common Equity		 614 642 667 696 804 900 942 995 992 1,199 1,222
Total Common Equity		 614 642 667 696 804 900 942 995 992 1,199 1,222
Common Stock		 618 618 618 617 701 756 738 738 737 904 904
Retained Earnings		 65 85 110 137 161 213 265 343 412 439 459
Treasury Stock		 -60 -58 -56 -54 -51 -59 -77 -85 -95 -91 -88
Accumulated Other Comprehensive Income / (Loss)		 -7.92 -1.62 -2.48 -3.82 -5.95 -9.46 16 -0.11 -62 -53 -53

Quarterly Balance Sheets for Brookline Bancorp

This table presents Brookline Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 8,514 8,696 11,522 11,206 11,181 11,543 11,635 11,677 11,520
Cash and Due from Banks		 90 113 486 224 161 302 343 408 358
Trading Account Securities		 718 676 1,067 910 880 866 856 855 882
Loans and Leases, Net of Allowance		 7,199 7,327 9,126 9,215 9,262 9,535 9,599 9,628 9,518
Loans and Leases		 7,292 7,421 9,247 9,341 9,381 9,655 9,721 9,755 9,643
Allowance for Loan and Lease Losses		 93 94 121 126 119 120 122 128 124
Premises and Equipment, Net		 70 70 88 91 90 90 88 87 84
Goodwill		 160 160 241 241 241 241 241 241 241
Intangible Assets		 2.02 1.90 30 28 26 22 21 19 16
Other Assets		 275 348 484 497 520 480 486 438 420
Total Liabilities & Shareholders' Equity		 8,514 8,696 11,522 11,206 11,181 11,543 11,635 11,677 11,520
Total Liabilities		 7,546 7,732 10,357 10,044 10,023 10,349 10,437 10,446 10,280
Interest Bearing Deposits		 6,900 6,741 8,474 8,534 8,579 8,735 8,754 8,747 8,927
Short-Term Debt		 - - - - - - 80 68 114
Long-Term Debt		 478 759 1,630 1,226 1,135 1,362 1,349 1,429 1,042
Other Long-Term Liabilities		 167 232 254 283 309 252 253 202 197
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 968 964 1,165 1,162 1,158 1,194 1,198 1,230 1,240
Total Preferred & Common Equity		 968 964 1,165 1,162 1,158 1,194 1,198 1,230 1,240
Total Common Equity		 968 964 1,165 1,162 1,158 1,194 1,198 1,230 1,240
Common Stock		 739 736 905 906 902 905 906 903 905
Retained Earnings		 373 393 408 417 428 441 446 454 466
Treasury Stock		 -99 -95 -95 -95 -91 -91 -91 -88 -88
Accumulated Other Comprehensive Income / (Loss)		 -45 -70 -53 -66 -82 -61 -62 -38 -42

Annual Metrics And Ratios for Brookline Bancorp

This table displays calculated financial ratios and metrics derived from Brookline Bancorp's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 9.08% 2.53% 5.49% 12.82% 6.88% 3.73% 0.61% 8.62% 6.06% 13.27% -4.42%
EBITDA Growth		 17.70% 4.10% 4.99% 11.69% 13.92% 1.55% -40.78% 108.09% -9.92% -31.61% -0.58%
EBIT Growth		 22.48% 14.12% 4.77% 13.59% 15.92% 2.92% -46.50% 149.03% -9.47% -32.89% -2.37%
NOPAT Growth		 19.90% 15.54% 5.45% -2.91% 61.42% 1.40% -45.72% 142.34% -4.93% -31.66% -8.38%
Net Income Growth		 19.90% 15.54% 5.45% -2.91% 61.42% 1.40% -45.72% 142.34% -4.93% -31.66% -8.38%
EPS Growth		 19.23% 14.52% 4.23% -8.11% 52.94% 5.77% -45.45% 146.67% -4.05% -40.14% -9.41%
Operating Cash Flow Growth		 13.88% -23.35% 20.63% 9.00% 44.83% -16.51% 9.51% 18.42% -9.35% -3.45% -9.99%
Free Cash Flow Firm Growth		 -486.39% 156.86% -120.78% 6.12% 369.49% -7,804.16% 202.99% -92.55% -283.38% 92.15% -29.41%
Invested Capital Growth		 23.92% -6.57% 5.45% 4.96% -0.12% 378.36% -79.88% -23.23% 79.26% 6.21% 6.46%
Revenue Q/Q Growth		 1.28% 1.91% 0.54% 2.46% 2.30% 0.74% 0.27% 3.24% 2.16% 0.68% 0.00%
EBITDA Q/Q Growth		 6.40% 2.94% -0.52% 5.15% 2.05% -0.34% 6.73% -1.15% -1.78% -3.03% -4.35%
EBIT Q/Q Growth		 5.37% 5.63% -0.96% 5.48% 2.45% 0.05% 9.21% 2.65% -1.66% -7.46% -4.92%
NOPAT Q/Q Growth		 6.02% 5.44% -0.21% -10.26% 19.88% 0.03% 10.38% 1.66% 1.06% -8.32% -7.23%
Net Income Q/Q Growth		 6.02% 5.44% -0.21% -10.26% 19.88% 0.03% 10.38% 1.66% 1.06% -8.32% -7.23%
EPS Q/Q Growth		 6.90% 4.41% 0.00% -12.82% 19.54% 1.85% 9.09% 2.78% 0.71% -13.27% -6.10%
Operating Cash Flow Q/Q Growth		 17.35% 16.65% -4.27% -4.16% 6.32% -20.70% 44.34% 8.29% -7.30% -2.73% 4.33%
Free Cash Flow Firm Q/Q Growth		 -6.28% -11.26% 14.96% -151.32% 179.22% -4,608.40% 33,022.76% -35.06% -161.66% 84.54% 72.91%
Invested Capital Q/Q Growth		 0.19% 1.69% 1.23% 1.94% -7.64% 356.53% -9.20% 8.56% 40.78% 12.32% 0.51%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 45.19% 45.87% 45.66% 45.20% 48.17% 47.16% 27.76% 53.18% 45.17% 27.27% 28.37%
EBIT Margin		 34.22% 38.09% 37.83% 38.09% 41.31% 40.99% 21.80% 49.97% 42.65% 25.27% 25.81%
Profit (Net Income) Margin		 21.66% 24.41% 24.40% 21.00% 31.71% 31.00% 16.73% 37.32% 33.45% 20.18% 19.35%
Tax Burden Percent		 63.29% 64.08% 64.50% 55.13% 76.77% 75.64% 76.74% 74.67% 78.42% 79.86% 74.94%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.71% 35.92% 35.50% 44.87% 23.23% 24.36% 23.26% 25.33% 21.58% 20.14% 25.06%
Return on Invested Capital (ROIC)		 2.83% 3.05% 3.25% 3.00% 4.72% 1.66% 0.91% 7.41% 5.81% 3.00% 2.58%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.83% 3.05% 3.25% 3.00% 4.72% 1.66% 0.91% 7.41% 5.81% 3.00% 2.58%
Return on Net Nonoperating Assets (RNNOA)		 4.34% 4.88% 4.78% 4.08% 5.32% 7.80% 4.14% 4.51% 5.23% 3.85% 3.09%
Return on Equity (ROE)		 7.17% 7.93% 8.03% 7.08% 10.05% 9.46% 5.05% 11.92% 11.04% 6.85% 5.68%
Cash Return on Invested Capital (CROIC)		 -18.54% 9.85% -2.06% -1.84% 4.85% -129.18% 133.92% 33.70% -50.95% -3.02% -3.68%
Operating Return on Assets (OROA)		 1.29% 1.38% 1.37% 1.47% 1.59% 1.52% 0.74% 1.76% 1.57% 0.91% 0.79%
Return on Assets (ROA)		 0.81% 0.88% 0.89% 0.81% 1.22% 1.15% 0.57% 1.32% 1.23% 0.73% 0.59%
Return on Common Equity (ROCE)		 7.12% 7.87% 7.95% 7.00% 9.93% 4.59% 2.52% 11.92% 11.04% 6.85% 5.68%
Return on Equity Simple (ROE_SIMPLE)		 7.06% 7.85% 7.94% 6.67% 9.62% 0.00% 5.06% 11.60% 11.06% 6.26% 5.62%
Net Operating Profit after Tax (NOPAT)		 45 52 55 54 87 88 48 115 110 75 69
NOPAT Margin		 21.66% 24.41% 24.40% 21.00% 31.71% 31.00% 16.73% 37.32% 33.45% 20.18% 19.35%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.74% 48.19% 48.86% 45.89% 47.18% 47.67% 48.40% 46.62% 47.33% 51.35% 55.85%
Operating Expenses to Revenue		 61.73% 58.44% 57.60% 54.48% 56.88% 55.63% 56.47% 52.56% 54.72% 64.45% 68.09%
Earnings before Interest and Taxes (EBIT)		 72 82 86 97 113 116 62 155 140 94 92
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 95 98 103 115 131 134 79 165 148 101 101
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.76 0.87 1.24 1.14 0.96 1.12 0.85 1.09 0.97 0.76 0.85
Price to Tangible Book Value (P/TBV)		 1.00 1.12 1.57 1.39 1.18 1.35 1.03 1.31 1.16 0.97 1.08
Price to Revenue (P/Rev)		 2.34 2.71 3.80 3.59 3.18 3.73 2.80 3.51 2.94 2.44 2.93
Price to Earnings (P/E)		 11.31 11.68 16.43 18.15 10.45 12.02 16.75 9.42 8.78 12.11 15.13
Dividend Yield		 4.86% 5.31% 2.95% 3.01% 3.66% 3.33% 4.56% 3.43% 5.22% 5.28% 4.63%
Earnings Yield		 8.84% 8.56% 6.09% 5.51% 9.57% 8.32% 5.97% 10.62% 11.39% 8.25% 6.61%
Enterprise Value to Invested Capital (EV/IC)		 0.88 0.90 1.06 1.03 0.93 0.21 0.67 0.83 0.83 0.84 0.74
Enterprise Value to Revenue (EV/Rev)		 7.45 6.97 8.15 7.38 6.26 6.64 4.15 3.61 6.14 5.79 5.68
Enterprise Value to EBITDA (EV/EBITDA)		 16.48 15.19 17.84 16.34 13.00 14.08 14.96 6.79 13.58 21.23 20.01
Enterprise Value to EBIT (EV/EBIT)		 21.76 18.30 21.54 19.39 15.16 16.20 19.06 7.22 14.39 22.92 21.99
Enterprise Value to NOPAT (EV/NOPAT)		 34.37 28.55 33.39 35.17 19.75 21.42 24.84 9.67 18.35 28.70 29.34
Enterprise Value to Operating Cash Flow (EV/OCF)		 18.48 23.14 23.66 22.20 13.89 18.30 10.52 8.38 16.67 18.46 19.21
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 8.85 0.00 0.00 19.25 0.00 0.17 2.13 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.74 1.46 1.49 1.26 1.01 0.95 0.87 0.36 1.44 1.15 1.24
Long-Term Debt to Equity		 1.68 1.40 1.41 1.26 0.95 0.89 0.78 0.23 1.33 1.09 1.18
Financial Leverage		 1.53 1.60 1.47 1.36 1.13 4.71 4.57 0.61 0.90 1.28 1.20
Leverage Ratio		 8.80 8.97 9.07 8.72 8.22 8.22 8.90 9.06 8.95 9.39 9.62
Compound Leverage Factor		 8.80 8.97 9.07 8.72 8.22 8.22 8.90 9.06 8.95 9.39 9.62
Debt to Total Capital		 63.53% 59.34% 59.77% 55.68% 50.27% 48.84% 46.55% 26.42% 59.08% 53.46% 55.43%
Short-Term Debt to Total Capital		 2.23% 2.31% 2.87% 0.00% 2.88% 3.28% 4.97% 9.28% 4.57% 2.69% 2.90%
Long-Term Debt to Total Capital		 61.30% 57.04% 56.90% 55.68% 47.39% 45.56% 41.58% 17.14% 54.52% 50.77% 52.53%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.27% 0.36% 0.41% 0.48% 0.57% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 36.20% 40.29% 39.82% 43.84% 49.16% 0.00% 53.45% 73.58% 40.92% 46.54% 44.57%
Debt to EBITDA		 11.91 9.99 10.10 8.84 7.00 6.76 10.38 2.17 9.67 13.58 15.08
Net Debt to EBITDA		 11.25 9.22 9.45 8.32 6.32 6.18 4.87 0.18 7.08 12.27 9.69
Long-Term Debt to EBITDA		 11.49 9.60 9.62 8.84 6.60 6.31 9.27 1.41 8.92 12.90 14.29
Debt to NOPAT		 24.85 18.77 18.91 19.04 10.64 10.29 17.22 3.10 13.05 18.36 22.12
Net Debt to NOPAT		 23.47 17.33 17.68 17.90 9.60 9.40 8.09 0.26 9.56 16.58 14.21
Long-Term Debt to NOPAT		 23.98 18.04 18.00 19.04 10.03 9.60 15.38 2.01 12.05 17.43 20.96
Noncontrolling Interest Sharing Ratio		 0.72% 0.82% 0.96% 1.05% 1.12% 51.51% 50.10% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -297 169 -35 -33 89 -6,841 7,045 525 -962 -76 -98
Operating Cash Flow to CapEx		 1,083.10% 1,352.96% 1,481.00% 735.03% 3,670.32% 2,055.61% 3,866.90% 2,781.62% 1,634.56% 943.57% 2,105.40%
Free Cash Flow to Firm to Interest Expense		 -10.10 5.19 -0.98 -0.83 1.34 -72.52 105.70 18.00 -21.19 -0.32 -0.33
Operating Cash Flow to Interest Expense		 2.87 1.99 2.17 2.13 1.86 1.09 1.69 4.57 2.66 0.49 0.35
Operating Cash Flow Less CapEx to Interest Expense		 2.60 1.84 2.02 1.84 1.81 1.04 1.64 4.40 2.50 0.44 0.33
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.04 0.04 0.04 0.03
Fixed Asset Turnover		 2.60 2.70 2.93 3.26 3.48 3.76 3.90 4.36 4.63 4.61 4.02
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,773 1,657 1,747 1,833 1,831 8,760 1,762 1,353 2,425 2,575 2,742
Invested Capital Turnover		 0.13 0.13 0.13 0.14 0.15 0.05 0.05 0.20 0.17 0.15 0.13
Increase / (Decrease) in Invested Capital		 342 -116 90 87 -2.24 6,928 -6,998 -409 1,072 151 166
Enterprise Value (EV)		 1,558 1,495 1,844 1,886 1,709 1,880 1,183 1,117 2,013 2,152 2,016
Market Capitalization		 490 582 860 917 868 1,055 798 1,087 964 909 1,040
Book Value per Share		 $9.17 $9.51 $9.86 $10.49 $11.18 $0.00 $11.91 $12.82 $12.91 $13.49 $13.71
Tangible Book Value per Share		 $7.00 $7.40 $7.79 $8.61 $9.11 $0.00 $9.84 $10.72 $10.80 $10.50 $10.81
Total Capital		 1,773 1,657 1,747 1,833 1,831 1,848 1,762 1,353 2,425 2,575 2,742
Total Debt		 1,126 983 1,044 1,021 921 903 820 357 1,433 1,377 1,520
Total Long-Term Debt		 1,087 945 994 1,021 868 842 733 232 1,322 1,307 1,440
Net Debt		 1,064 908 976 960 831 825 385 30 1,050 1,244 976
Capital Expenditures (CapEx)		 7.78 4.78 5.26 12 3.35 5.00 2.91 4.79 7.39 12 4.99
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,126 983 1,044 1,021 921 7,814 820 357 1,433 1,377 1,520
Total Depreciation and Amortization (D&A)		 23 17 18 18 19 17 17 9.93 8.25 7.44 9.08
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.61 $0.71 $0.74 $0.68 $1.04 $1.10 $0.60 $1.48 $1.42 $0.00 $0.77
Adjusted Weighted Average Basic Shares Outstanding		 69.95M 70.10M 70.26M 74.46M 79.67M 79.68M 78.95M 77.97M 77.08M 0.00 88.98M
Adjusted Diluted Earnings per Share		 $0.61 $0.71 $0.74 $0.68 $1.04 $1.10 $0.60 $1.48 $1.42 $0.00 $0.77
Adjusted Weighted Average Diluted Shares Outstanding		 70.05M 70.24M 70.44M 74.81M 79.91M 79.86M 79.10M 78.24M 77.35M 0.00 89.30M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $1.10 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 70.04M 70.40M 70.56M 76.83M 79.77M 79.77M 78.19M 77.64M 88.67M 0.00 89.10M
Normalized Net Operating Profit after Tax (NOPAT)		 45 52 55 54 89 89 48 115 112 81 72
Normalized NOPAT Margin		 21.66% 24.41% 24.40% 21.09% 32.78% 31.30% 16.73% 37.32% 33.98% 21.77% 20.23%
Pre Tax Income Margin		 34.22% 38.09% 37.83% 38.09% 41.31% 40.99% 21.80% 49.97% 42.65% 25.27% 25.81%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.43 2.51 2.38 2.44 1.70 1.23 0.93 5.30 3.08 0.40 0.31
NOPAT to Interest Expense		 1.54 1.61 1.53 1.34 1.31 0.93 0.71 3.96 2.42 0.32 0.23
EBIT Less CapEx to Interest Expense		 2.17 2.36 2.23 2.15 1.65 1.18 0.89 5.14 2.92 0.34 0.29
NOPAT Less CapEx to Interest Expense		 1.28 1.46 1.39 1.06 1.26 0.88 0.67 3.80 2.25 0.26 0.21
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 56.24% 50.42% 49.07% 53.54% 38.51% 41.07% 76.41% 32.45% 36.52% 63.90% 69.94%
Augmented Payout Ratio		 56.24% 50.42% 49.07% 53.54% 50.07% 43.20% 118.39% 41.10% 49.08% 63.90% 69.94%

Quarterly Metrics And Ratios for Brookline Bancorp

This table displays calculated financial ratios and metrics derived from Brookline Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 11.24% 8.43% 31.32% 16.12% 5.56% 2.80% -11.23% -5.58% -0.25% -0.01% 4.12%
EBITDA Growth		 -4.77% -7.32% -72.37% -21.23% -22.79% -9.33% 113.11% -18.58% -6.55% -14.90% 27.10%
EBIT Growth		 -3.65% -6.14% -73.77% -17.46% -22.12% -20.96% 124.72% -22.18% -7.34% -16.61% 30.82%
NOPAT Growth		 4.54% 4.03% -69.40% -13.28% -24.70% -22.92% 93.98% -25.07% -11.27% -23.38% 30.24%
Net Income Growth		 4.54% 4.03% -69.40% -13.28% -24.70% -22.92% 93.98% -25.07% -11.27% -23.38% 30.24%
EPS Growth		 5.41% 2.70% -71.88% -24.24% -33.33% -34.21% 77.78% -28.00% -11.54% -20.00% 31.25%
Operating Cash Flow Growth		 301.53% -18.32% 11.27% 39.34% -28.47% -7.72% -50.79% -8.30% -15.05% 11.12% -9.34%
Free Cash Flow Firm Growth		 -161.68% -338.05% -1,100.02% -966.89% -22.77% 87.75% 117.96% 75.76% 24.28% -16.68% -29.37%
Invested Capital Growth		 38.23% 79.26% 103.31% 65.11% 33.13% 6.21% -8.55% 10.02% 18.97% 6.46% -6.26%
Revenue Q/Q Growth		 7.70% 4.98% 11.11% -7.56% -2.10% 2.24% -4.05% -1.68% 3.42% 2.48% -0.09%
EBITDA Q/Q Growth		 8.27% -15.77% -70.09% 188.74% 6.13% -1.09% -38.95% 10.32% 21.81% -9.93% 5.01%
EBIT Q/Q Growth		 10.00% -2.51% -76.01% 220.89% 3.79% -1.06% -31.80% 11.12% 23.58% -10.95% 6.98%
NOPAT Q/Q Growth		 19.66% -1.51% -74.54% 189.02% 3.89% 0.82% -35.93% 11.64% 23.03% -12.94% 8.92%
Net Income Q/Q Growth		 19.66% -1.51% -74.54% 189.02% 3.89% 0.82% -35.93% 11.64% 23.03% -12.94% 8.92%
EPS Q/Q Growth		 18.18% -2.56% -76.32% 177.78% 4.00% -3.85% -36.00% 12.50% 27.78% -13.04% 5.00%
Operating Cash Flow Q/Q Growth		 81.22% 5.78% -57.64% 71.60% -6.97% 36.46% -77.41% 219.75% -13.81% 78.50% -81.57%
Free Cash Flow Firm Q/Q Growth		 -417.48% -133.60% -35.53% 34.88% 40.45% 76.70% 298.76% -187.89% -86.03% 64.10% 220.32%
Invested Capital Q/Q Growth		 19.06% 40.78% 15.28% -14.55% -4.00% 12.32% -0.75% 2.81% 3.80% 0.51% -12.61%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.48% 38.10% 10.26% 32.04% 34.73% 33.60% 24.62% 27.63% 32.54% 28.60% 30.06%
EBIT Margin		 43.68% 40.56% 8.76% 30.40% 32.23% 31.19% 22.17% 25.05% 29.93% 26.01% 27.85%
Profit (Net Income) Margin		 35.53% 33.33% 7.64% 23.88% 25.34% 24.99% 16.69% 18.95% 22.54% 19.15% 20.88%
Tax Burden Percent		 81.34% 82.18% 87.22% 78.55% 78.64% 80.13% 75.29% 75.64% 75.30% 73.62% 74.95%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.66% 17.82% 12.78% 21.45% 21.36% 19.87% 24.71% 24.36% 24.70% 26.38% 25.05%
Return on Invested Capital (ROIC)		 7.69% 5.79% 1.29% 4.54% 4.66% 3.72% 2.25% 2.69% 3.19% 2.56% 3.03%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.69% 5.79% 1.29% 4.54% 4.66% 3.72% 2.25% 2.69% 3.19% 2.56% 3.03%
Return on Net Nonoperating Assets (RNNOA)		 4.06% 5.22% 1.21% 3.63% 4.16% 4.76% 2.85% 3.02% 3.52% 3.06% 3.13%
Return on Equity (ROE)		 11.75% 11.01% 2.50% 8.17% 8.82% 8.48% 5.10% 5.71% 6.71% 5.62% 6.15%
Cash Return on Invested Capital (CROIC)		 -24.78% -50.95% -63.68% -44.46% -24.34% -3.02% 12.00% -6.49% -14.38% -3.68% 9.42%
Operating Return on Assets (OROA)		 1.65% 1.50% 0.31% 1.12% 1.20% 1.13% 0.69% 0.78% 0.93% 0.79% 0.87%
Return on Assets (ROA)		 1.34% 1.23% 0.27% 0.88% 0.94% 0.90% 0.52% 0.59% 0.70% 0.58% 0.65%
Return on Common Equity (ROCE)		 11.75% 11.01% 2.50% 8.17% 8.82% 8.48% 5.10% 5.71% 6.71% 5.62% 6.15%
Return on Equity Simple (ROE_SIMPLE)		 11.27% 0.00% 7.95% 7.68% 7.07% 0.00% 6.88% 6.39% 6.02% 0.00% 5.90%
Net Operating Profit after Tax (NOPAT)		 30 30 7.56 22 23 23 15 16 20 18 19
NOPAT Margin		 35.53% 33.33% 7.64% 23.88% 25.34% 24.99% 16.69% 18.95% 22.54% 19.15% 20.88%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.50% 45.28% 50.17% 50.52% 51.81% 52.99% 58.04% 56.19% 53.90% 55.34% 54.05%
Operating Expenses to Revenue		 52.98% 53.01% 65.44% 63.20% 64.39% 64.69% 69.44% 68.50% 64.85% 69.58% 65.61%
Earnings before Interest and Taxes (EBIT)		 37 36 8.67 28 29 29 19 22 27 24 25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 40 34 10 29 31 31 22 24 29 26 28
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.82 0.97 0.73 0.62 0.66 0.76 0.72 0.61 0.73 0.85 0.78
Price to Tangible Book Value (P/TBV)		 0.99 1.16 0.95 0.81 0.86 0.97 0.92 0.78 0.92 1.08 0.99
Price to Revenue (P/Rev)		 2.47 2.94 2.42 1.98 2.06 2.44 2.38 2.06 2.53 2.93 2.71
Price to Earnings (P/E)		 7.30 8.78 9.20 8.08 9.31 12.11 10.47 9.55 12.11 15.13 13.28
Dividend Yield		 4.93% 5.22% 6.92% 8.23% 7.86% 5.28% 5.58% 6.56% 5.35% 4.63% 4.95%
Earnings Yield		 13.70% 11.39% 10.87% 12.37% 10.74% 8.25% 9.55% 10.47% 8.26% 6.61% 7.53%
Enterprise Value to Invested Capital (EV/IC)		 0.84 0.83 0.71 0.72 0.76 0.84 0.75 0.69 0.73 0.74 0.74
Enterprise Value to Revenue (EV/Rev)		 4.48 6.14 5.67 4.73 4.70 5.79 5.32 5.12 5.59 5.68 4.93
Enterprise Value to EBITDA (EV/EBITDA)		 9.54 13.58 16.41 15.16 16.61 21.23 17.01 16.93 18.86 20.01 16.59
Enterprise Value to EBIT (EV/EBIT)		 10.11 14.39 17.27 15.71 17.10 22.92 18.33 18.45 20.60 21.99 18.11
Enterprise Value to NOPAT (EV/NOPAT)		 13.25 18.35 21.55 19.31 21.22 28.70 23.38 23.73 26.82 29.34 24.19
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.05 16.67 16.28 13.13 14.48 18.46 17.86 17.33 19.75 19.21 16.99
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 5.98 0.00 0.00 0.00 7.59
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.79 1.44 1.40 1.06 0.98 1.15 1.14 1.19 1.22 1.24 0.93
Long-Term Debt to Equity		 0.79 1.33 1.40 1.06 0.98 1.09 1.14 1.13 1.16 1.18 0.84
Financial Leverage		 0.53 0.90 0.94 0.80 0.89 1.28 1.27 1.12 1.10 1.20 1.03
Leverage Ratio		 8.76 8.95 9.39 9.25 9.37 9.39 9.78 9.68 9.57 9.62 9.47
Compound Leverage Factor		 8.76 8.95 9.39 9.25 9.37 9.39 9.78 9.68 9.57 9.62 9.47
Debt to Total Capital		 44.05% 59.08% 58.32% 51.34% 49.50% 53.46% 53.28% 54.39% 54.90% 55.43% 48.24%
Short-Term Debt to Total Capital		 0.00% 4.57% 0.00% 0.00% 0.00% 2.69% 0.00% 3.05% 2.50% 2.90% 4.74%
Long-Term Debt to Total Capital		 44.05% 54.52% 58.32% 51.34% 49.50% 50.77% 53.28% 51.35% 52.40% 52.53% 43.50%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 55.95% 40.92% 41.68% 48.66% 50.50% 46.54% 46.72% 45.61% 45.10% 44.57% 51.76%
Debt to EBITDA		 5.03 9.67 13.41 10.78 10.86 13.58 12.07 13.31 14.21 15.08 10.84
Net Debt to EBITDA		 4.28 7.08 9.41 8.81 9.32 12.27 9.39 10.12 10.34 9.69 7.49
Long-Term Debt to EBITDA		 5.03 8.92 13.41 10.78 10.86 12.90 12.07 12.56 13.57 14.29 9.77
Debt to NOPAT		 6.99 13.05 17.60 13.74 13.88 18.36 16.59 18.66 20.22 22.12 15.80
Net Debt to NOPAT		 5.95 9.56 12.35 11.22 11.91 16.58 12.91 14.18 14.71 14.21 10.91
Long-Term Debt to NOPAT		 6.99 12.05 17.60 13.74 13.88 17.43 16.59 17.61 19.30 20.96 14.25
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -446 -1,042 -1,413 -920 -548 -128 254 -223 -415 -149 179
Operating Cash Flow to CapEx		 1,913.56% 1,366.61% 475.97% 632.42% 1,400.93% 2,354.57% 441.56% 4,295.74% 4,748.93% 2,399.89% 0.00%
Free Cash Flow to Firm to Interest Expense		 -42.03 -44.60 -30.38 -15.51 -8.70 -1.86 3.43 -2.96 -5.42 -2.04 2.64
Operating Cash Flow to Interest Expense		 3.78 1.81 0.39 0.52 0.46 0.57 0.12 0.38 0.32 0.59 0.12
Operating Cash Flow Less CapEx to Interest Expense		 3.58 1.68 0.31 0.44 0.42 0.54 0.09 0.37 0.31 0.57 0.13
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 4.56 4.63 4.48 4.55 4.60 4.61 4.06 3.97 4.00 4.02 4.12
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,722 2,425 2,795 2,389 2,293 2,575 2,556 2,628 2,728 2,742 2,396
Invested Capital Turnover		 0.22 0.17 0.17 0.19 0.18 0.15 0.13 0.14 0.14 0.13 0.14
Increase / (Decrease) in Invested Capital		 476 1,072 1,420 942 571 151 -239 239 435 166 -160
Enterprise Value (EV)		 1,439 2,013 1,995 1,723 1,736 2,152 1,920 1,818 1,987 2,016 1,770
Market Capitalization		 793 964 852 721 762 909 860 732 897 1,040 971
Book Value per Share		 $12.57 $12.91 $13.14 $13.11 $13.06 $13.49 $13.43 $13.48 $13.84 $13.71 $13.92
Tangible Book Value per Share		 $10.45 $10.80 $10.08 $10.07 $10.04 $10.50 $10.47 $10.53 $10.91 $10.81 $11.03
Total Capital		 1,722 2,425 2,795 2,389 2,293 2,575 2,556 2,628 2,728 2,742 2,396
Total Debt		 759 1,433 1,630 1,226 1,135 1,377 1,362 1,429 1,498 1,520 1,156
Total Long-Term Debt		 759 1,322 1,630 1,226 1,135 1,307 1,362 1,349 1,429 1,440 1,042
Net Debt		 646 1,050 1,144 1,002 974 1,244 1,060 1,086 1,090 976 798
Capital Expenditures (CapEx)		 2.10 3.10 3.77 4.87 2.05 1.66 2.00 0.66 0.51 1.81 -0.48
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 759 1,433 1,630 1,226 1,135 1,377 1,362 1,429 1,498 1,520 1,156
Total Depreciation and Amortization (D&A)		 3.23 -2.20 1.49 1.50 2.24 2.21 2.16 2.22 2.33 2.37 2.02
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.39 $0.38 $0.09 $0.25 $0.26 $0.25 $0.16 $0.18 $0.23 $0.20 $0.21
Adjusted Weighted Average Basic Shares Outstanding		 76.78M 77.08M 86.56M 88.67M 88.80M 88.23M 88.89M 88.90M 89.03M 88.98M 89.10M
Adjusted Diluted Earnings per Share		 $0.39 $0.38 $0.09 $0.25 $0.26 $0.25 $0.16 $0.18 $0.23 $0.20 $0.21
Adjusted Weighted Average Diluted Shares Outstanding		 77.01M 77.35M 86.84M 88.93M 88.97M 88.45M 89.18M 89.22M 89.32M 89.30M 89.57M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 76.84M 88.67M 88.67M 88.67M 88.87M 88.89M 88.89M 88.91M 89.10M 89.10M 89.10M
Normalized Net Operating Profit after Tax (NOPAT)		 31 30 13 23 23 23 15 17 20 20 20
Normalized NOPAT Margin		 36.56% 33.92% 13.28% 24.74% 25.34% 24.99% 16.69% 19.67% 22.54% 21.87% 21.67%
Pre Tax Income Margin		 43.68% 40.56% 8.76% 30.40% 32.23% 31.19% 22.17% 25.05% 29.93% 26.01% 27.85%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.49 1.55 0.19 0.47 0.46 0.42 0.26 0.29 0.35 0.33 0.38
NOPAT to Interest Expense		 2.84 1.27 0.16 0.37 0.36 0.33 0.20 0.22 0.26 0.24 0.28
EBIT Less CapEx to Interest Expense		 3.29 1.41 0.11 0.39 0.43 0.39 0.24 0.28 0.34 0.30 0.38
NOPAT Less CapEx to Interest Expense		 2.64 1.14 0.08 0.29 0.33 0.31 0.17 0.21 0.26 0.21 0.29
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 36.29% 36.52% 45.73% 49.61% 56.60% 63.90% 58.41% 62.63% 64.84% 69.94% 65.74%
Augmented Payout Ratio		 48.98% 49.08% 45.73% 49.61% 56.60% 63.90% 58.41% 62.63% 64.84% 69.94% 65.74%

Financials Breakdown Chart

Key Financial Trends

Brookline Bancorp (NASDAQ: BRKL) has demonstrated overall positive financial momentum over the past several years, highlighted by growing revenues, improving net income, and stable capital structure metrics. Here's a summary highlighting the key trends from the quarterly financial statements spanning from mid-2022 to early 2025:

  • Net Interest Income Growth: Brookline's net interest income has increased from approximately $71.9 million in Q2 2022 to roughly $85.8 million in Q1 2025, showing improvement in core banking income driven by both loans and deposits management.
  • Consistent Net Income Increase: Net income attributable to common shareholders grew substantially from $7.56 million in Q1 2023 to $19.1 million in Q1 2025, indicating improved profitability and operational efficiency.
  • Sustained Earnings Per Share Improvement: Diluted EPS has steadily increased from $0.09 per share in Q1 2023 to $0.21 per share in Q1 2025, reflecting earnings growth while share count remained relatively stable.
  • Stable and Growing Loan Portfolio: Loans and leases balance increased from around $7.42 billion in Q3 2022 to over $9.64 billion in Q1 2025, implying strong demand and effective loan origination activities.
  • Increase in Total Assets and Equity: Total assets expanded from roughly $8.7 billion in Q3 2022 to over $11.5 billion in Q1 2025, with total common equity rising to approximately $1.24 billion, underpinning sound capital adequacy.
  • Provision for Credit Losses Fluctuations: The provision for credit losses has shown some variability—peaking higher in Q1 2023 ($25.5 million) but dropping in recent quarters (e.g., $5.98 million in Q1 2025). This signals a cautious approach towards credit risk amidst varying economic conditions.
  • Non-Interest Income Stability: Non-interest income, mainly from service charges and capital gains, has held relatively stable around $5-6 million per quarter, providing steady diversified revenue.
  • Dividend Policy Consistency: Cash dividends per share have remained steady around $0.13 to $0.15 per quarter, reflecting consistent shareholder returns.
  • Rising Interest Expense: Interest expense increased notably from $6.16 million in Q2 2022 to approximately $67.9 million in Q1 2025, impacted by higher deposit and long-term debt costs which could pressure net interest margins if funding costs rise further.
  • Volatility in Operating Expenses: Non-interest expenses have generally increased, including restructuring charges and employee benefits, which may warrant monitoring to sustain operating leverage and profitability.

Summary: Brookline Bancorp exhibits strong revenue and earnings growth alongside sustained asset and equity expansion. The company’s profitability is supported by an expanding loan book and consistent non-interest income streams. However, attention is warranted on rising interest expenses and operating costs that could impact future margins. Overall, the financials present a favorable portrait for investors focused on regional banking growth and income stability.

09/20/25 09:34 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Brookline Bancorp's Financials

When does Brookline Bancorp's fiscal year end?

According to the most recent income statement we have on file, Brookline Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Brookline Bancorp's net income changed over the last 10 years?

Brookline Bancorp's net income appears to be on an upward trend, with a most recent value of $68.72 million in 2024, rising from $45.33 million in 2014. The previous period was $75.00 million in 2023. View Brookline Bancorp's forecast to see where analysts expect Brookline Bancorp to go next.

How has Brookline Bancorp's revenue changed over the last 10 years?

Over the last 10 years, Brookline Bancorp's total revenue changed from $209.25 million in 2014 to $355.20 million in 2024, a change of 69.8%.

How much debt does Brookline Bancorp have?

Brookline Bancorp's total liabilities were at $10.68 billion at the end of 2024, a 4.9% increase from 2023, and a 127.0% increase since 2013.

How much cash does Brookline Bancorp have?

In the past 10 years, Brookline Bancorp's cash and equivalents has ranged from $61.01 million in 2017 to $543.67 million in 2024, and is currently $543.67 million as of their latest financial filing in 2024.

How has Brookline Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Brookline Bancorp's book value per share changed from 9.17 in 2014 to 13.71 in 2024, a change of 49.6%.


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This page (NASDAQ:BRKL) was last updated on 9/20/2025 by MarketBeat.com Staff
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