Brookline Bancorp (BRKL) Financials

$10.95 -0.07 (-0.64%)

Closing price 08/29/2025 04:00 PM Eastern

Extended Trading

$10.81 -0.14 (-1.28%)

As of 08/29/2025 04:34 PM Eastern

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

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

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

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

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

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

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%

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%

Key Financial Trends

Brookline Bancorp (NASDAQ:BRKL) has demonstrated consistent financial performance over the past four years across its income statements, cash flow statements, and balance sheet statements.

Income Statement Trends:

Net interest income has generally increased from around $78M in Q3 2022 to approximately $85.8M in Q1 2025, indicating a steady ability to generate revenue from its loan and lease portfolio.
Provision for credit losses shows fluctuation but remains managed relative to loan balances, with a reduction in recent quarters compared to the spike in early 2023, suggesting improved asset quality.
Total non-interest income has shown some growth, notably in service charges and capital gains, supporting overall revenue diversification.
Total non-interest expense has increased over time, reaching $60M in Q1 2025, reflecting rising operating costs which need monitoring for efficiency.
Net income attributable to common shareholders grew from $7.56M in Q1 2023 to $19.1M in Q1 2025, translating into diluted EPS increasing from $0.09 to $0.21, showing improved profitability.
Dividends per share have remained stable around $0.13-$0.15 per quarter, suggesting consistent shareholder returns.

Cash Flow Statement Insights:

Operating cash flow remains positive and has generally increased to $8M in Q1 2025 from lower levels in early 2023, indicating stronger cash generation from core operations.
Investing activities fluctuate significantly due to investment securities purchases and sales, with large inflows especially in Q1 2025 ($173M net inflow), reflecting active portfolio management.
Financing activities show heavy debt repayments in recent quarters, with a significant net outflow of $367M in Q1 2025, indicating efforts to reduce liabilities but also impacting cash reserves.
Cash and equivalents decreased significantly in Q1 2025 by $186M, primarily driven by investing and financing cash-flow patterns.

Balance Sheet Highlights:

Total assets increased to $11.52B in Q1 2025, up from about $8.7B in Q3 2022, reflecting growth in loans, trading securities, and cash balances.
Loans and leases net of allowance grew moderately, indicating lending expansion and risk management consistency.
Allowance for loan and lease losses has increased in absolute terms but proportionally aligns with loan growth, highlighting caution on credit risk.
Total common equity rose to $1.24B in Q1 2025, up from $963M in Q3 2022, indicating strengthening capitalization supporting growth and absorption of losses.
Long-term debt levels vary over time, with Q1 2025 showing $1.042B, reflecting continued leverage management.

Overall Summary:

Brookline Bancorp has shown steady improvement in profitability and asset growth over the last four years, with consistent net interest income increases and controlled credit losses. The bank has maintained stable dividend payouts, rewarding shareholders consistently. Cash flows from operations are improving, though investing and financing activities reflect active management of securities portfolios and debt levels. Balance sheet growth and equity improvements demonstrate financial stability and capacity for future growth.

Investors should monitor operating expense growth and cash flow patterns from financing activities, but the company's financial metrics signal a robust performance trend with positive earnings momentum.

08/30/25 01:50 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Brookline Bancorp's Financials

When does Brookline Bancorp's financial year end?

According to the most recent income statement we have on file, Brookline Bancorp's fiscal year ends in December. Their fiscal 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. See where experts think Brookline Bancorp is headed by visiting Brookline Bancorp's forecast page.

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 8/30/2025 by MarketBeat.com Staff

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Brookline Bancorp (BRKL) Financials

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Brookline Bancorp (BRKL) Financials

Annual Income Statements for Brookline Bancorp

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Quarterly Balance Sheets for Brookline Bancorp

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