<span item_type="fundamental" item_id="5c5ebb261c103f496ece737b43768a7c" counter_id="ST/US/BRKL" env="prod"></span><span item_type="announcement" item_id="541469677727849985" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD 0.25, beating the estimate of USD 0.2467.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 29.59 M.</p><p></p><h3>Segment Revenue</h3><ul><li>Total revenue for Q2 2025 was $94.7 million, a 10% increase from Q2 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li>Net income for the quarter was $22.0 million, with an EPS of $0.25.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_991.htm"></span></li><li>Operating earnings were $22.4 million, excluding $0.4 million in merger-related expenses.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li><li>Net interest income increased by $2.9 million from Q1 2025, driven by lower funding costs.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li><li>Noninterest income increased by $0.3 million from the prior quarter due to higher gains on loan sales.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li><li>Noninterest expense declined by $1.3 million linked quarter, due to generally lower operating costs partially offset by higher marketing spend.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li><li>Provision for credit losses was $7 million for the quarter, an increase of $1 million from the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_991.htm"></span></li><li>Return on Assets (ROA) was 0.77%, and Return on Tangible Common Equity (ROTCE) was 8.85%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li></ul><h3>Cash Flow</h3><ul><li>No specific cash flow figures were provided in the reference text.</li></ul><h3>Unique Metrics</h3><ul><li>Loans declined by $61 million, driven by a reduction in Commercial Real Estate (CRE) loans of $95 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li><li>Customer deposits increased by $59 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li><li>Margin increased by 10 basis points to 3.32%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_991.htm"></span></li><li>Net charge-offs were $5.1 million, or 0.21% annualized.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li><li>The reserve for loan losses represents a coverage ratio of 132 basis points.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company remains on target to close the merger with Berkshire Hills Bancorp in the second half of 2025, with core systems conversions targeted for February 2026.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li><li>The merger is expected to result in significant earnings per share accretion and enhance the profitability profile of both companies.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li><li>The company anticipates a materially enhanced profitability profile with a projected 2026 ROAA of 1.28% and ROATCE of 16.5%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1049782/000117184325004642/exh_992.htm"></span></li></ul>

Brookline Bancorp | 8-K: FY2025 Q2 EPS Beats Estimate at USD 0.25