Brookline Bancorp, Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis

April 2024 | 50 pages | ID: BF8E005F70CBEN
BAC Reports

Abstracts

Brookline Bancorp, Inc. Fundamental Company Report provides a complete overview of the company’s affairs. All available data is presented in a comprehensive and easily accessed format. The report includes financial and SWOT information, industry analysis, opinions, estimates, plus annual and quarterly forecasts made by stock market experts. The report also enables direct comparison to be made between Brookline Bancorp, Inc. and its competitors. This provides our Clients with a clear understanding of Brookline Bancorp, Inc. position in the Industry.

• The report contains detailed information about Brookline Bancorp, Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
• Another part of the report is a SWOT-analysis carried out for Brookline Bancorp, Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
• The Brookline Bancorp, Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
• In the part that describes Brookline Bancorp, Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
• Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Brookline Bancorp, Inc. business.

About Brookline Bancorp, Inc.

Brookline Bancorp, Inc. operates as the holding company for Brookline Bank, which offers various banking products and services to small and mid-sized businesses. The company’s principal business is accepting consumer and commercial deposits, originating loans to individuals and commercial businesses, and providing cash management and investment advisory services.

As of December 31, 2009, the company operated 18 full-service banking offices in Brookline, Medford, and adjacent communities in Middlesex County and Norfolk County in Massachusetts.

The company's other subsidiaries include Brookline Securities Corp.; BBS Investment Corp.; and Longwood Securities Corp., which are established for the purpose of buying, selling, and holding investment securities on their own behalf and not as a broker.

Loans

The company’s loan portfolio consists primarily of first mortgage loans secured by multi-family, commercial, and one-to-four family residential real estate properties located in its primary lending area, indirect automobile loans, loans made by Eastern to finance equipment used by small businesses, loans to condominium associations, and business entities, including commercial lines of credit. It also provides financing for construction and development projects, home equity and second mortgage loans, and other consumer loans.

Multi-Family and Commercial Real Estate Mortgage Loans: Multi-family and commercial real estate mortgage loans are made for five to ten year terms, with an amortization period of twenty to twenty-five years.

One-to-Four Family Mortgage Loans: The company offers both fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residences. Fixed-rate residential mortgage loans with maturities beyond 10 years are not maintained in its loan portfolio.

Construction and Development Loans: The company also offers construction and development loans.

Commercial Loans – Eastern: The Eastern loan portfolio includes primarily of loans to finance coin-operated laundry, dry cleaning, and convenience store equipment and businesses. The borrowers are located primarily in the metropolitan New York area, although the customer base extends to locations throughout the United States of America.

Other Commercial Loans: The company provides commercial banking services to companies in its market area. Product offerings include lines of credit, term loans, letters of credit, deposit services, and cash management.

Indirect Automobile (Auto) Loans: These loans are for the purchase of automobiles (both new and used) and light duty trucks primarily to individuals, but also to corporations and other organizations. The company conducts business with approximately 200 dealerships located primarily in Massachusetts, Connecticut, Rhode Island, and New Hampshire.

Deposits

The company offers various deposit accounts with a range of interest rates and terms. Its deposit accounts consist of non-interest-bearing checking accounts and interest-bearing NOW accounts, savings accounts, money market savings accounts, and certificate of deposit accounts. It also offers individual retirement accounts (IRAs) and other qualified plan accounts.

Investments

As of December 31, 2009, the company’s investment portfolio included the U.S. government-sponsored enterprises; municipal obligations; auction rate municipal obligations; corporate obligations; collateralized mortgage obligations issued by the U.S. government-sponsored enterprises; mortgage-backed securities issued by the U.S. government-sponsored enterprises; marketable equity securities; and restricted equity securities.

History

Brookline Bancorp, Inc. was founded in 1871.

The above Company Fundamental Report is a half-ready report and contents are subject to change.
It means that we have all necessary data in our database to prepare the report but need 2-3 days to complete it. During this time we are also updating the report with respect to the current moment. So, you can get all the most recent data available for the same price. Please note that preparation of additional types of analyses requires extra time.

Contents

RESEARCH METHODOLOGY

DISCLAIMER

1. BROOKLINE BANCORP, INC. COMPANY PROFILE

1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History

2. BROOKLINE BANCORP, INC. BUSINESS OVERVIEW

2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units

3. BROOKLINE BANCORP, INC. SWOT ANALYSIS

3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats

4. BROOKLINE BANCORP, INC. FINANCIAL ANALYSIS

4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot

5. BROOKLINE BANCORP, INC. COMPETITORS AND INDUSTRY ANALYSIS

5.1. Brookline Bancorp, Inc. Direct Competitors
5.2. Comparison of Brookline Bancorp, Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Brookline Bancorp, Inc. and Direct Competitors Stock Charts
5.4. Brookline Bancorp, Inc. Industry Analysis
5.4.1. Industry Snapshot
  5.4.2. Brookline Bancorp, Inc. Industry Position Analysis

6. BROOKLINE BANCORP, INC. NEWS & EVENTS

6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events

7. BROOKLINE BANCORP, INC. EXPERTS REVIEW¹

7.1. Experts Consensus
7.2. Experts Revisions

8. BROOKLINE BANCORP, INC. ENHANCED SWOT ANALYSIS²

9. UNITED STATES PESTEL ANALYSIS²

9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors

10. BROOKLINE BANCORP, INC. IFE, EFE, IE MATRICES²

10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix

11. BROOKLINE BANCORP, INC. PORTER FIVE FORCES ANALYSIS²

12. BROOKLINE BANCORP, INC. VRIO ANALYSIS²

APPENDIX: RATIO DEFINITIONS

LIST OF FIGURES

Brookline Bancorp, Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Brookline Bancorp, Inc. 1-year Stock Charts
Brookline Bancorp, Inc. 5-year Stock Charts
Brookline Bancorp, Inc. vs. Main Indexes 1-year Stock Chart
Brookline Bancorp, Inc. vs. Direct Competitors 1-year Stock Charts
Brookline Bancorp, Inc. Article Density Chart

1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.

List Of Tables

LIST OF TABLES

Brookline Bancorp, Inc. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Brookline Bancorp, Inc. Key Executives
Brookline Bancorp, Inc. Major Shareholders
Brookline Bancorp, Inc. History
Brookline Bancorp, Inc. Products
Revenues by Segment
Revenues by Region
Brookline Bancorp, Inc. Offices and Representations
Brookline Bancorp, Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Brookline Bancorp, Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Brookline Bancorp, Inc. Capital Market Snapshot
Brookline Bancorp, Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
Brookline Bancorp, Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Brookline Bancorp, Inc. Consensus Recommendations¹
Analyst Recommendation Summary¹
Price Target Summary¹
Experts Recommendation Trends¹
Revenue Estimates Analysis¹
Earnings Estimates Analysis¹
Historical Surprises¹
Revenue Estimates Trend¹
Earnings Estimates Trend¹
Revenue Revisions¹

ANALYSIS FEATURES

SWOT Analysis

SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.

Enhanced SWOT Analysis

Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:

• How to use the strengths to take advantage of the opportunities?
• How to use the strengths to reduce likelihood and impact of the threats?
• How to overcome the weaknesses that obstruct taking advantage of the opportunities?
• How to overcome the weaknesses that can make the threats a reality?

Upon answering these questions a company can develop a project plan to improve its business performance.

PESTEL Analysis

PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.

Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.

Key Factors Examined by PESTEL Analysis:

• Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
• Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
• Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
• Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
• Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
• Legal – What laws and legislation will exert influence on the style the business is carried out?

IFE, EFE, IE Matrices

The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.

The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.

The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.

Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.

Porter Five Forces Analysis

The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:

1. What composes a threat of substitute products and services?
2. Is there a threat of new competitors entering the market?
3. What is the intensity of competitive rivalry?
4. How big is the bargaining power of buyers?
5. How significant is the bargaining power of suppliers?

VRIO Analysis

VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:

• Tangible resources
  • Financial
  • Physical
  • Technological
  • Organizational
• Intangible resources
  • Human
  • Innovation and Creativity
  • Reputation
• Organizational capabilities

The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:

• Valuable?
• Rare?
• Costly to imitate?
• Organized properly?