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Pacific Premier Bancorp Inc
PPBI : NASDAQ : Financial
$21.73 up0.22 | 1.00%
Today's Range: 21.60 - 21.84
Avg. Daily Volume: 96,200
10/09/15 - 12:19 PM ET

Financial Analysis

PACIFIC PREMIER BANCORP INC's gross profit margin for the second quarter of its fiscal year 2015 is essentially unchanged when compared to the same period a year ago. The company has grown sales and net income significantly, outpacing the average growth rates of competitors within its industry.

At the same time, stockholders' equity ("net worth") has greatly increased by 46.52% from the same quarter last year.

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Income Statement Q2 FY15 Q2 FY14
Net Sales ($mil)34.4521.7
EBITDA ($mil)18.0711.09
EBIT ($mil)17.4410.55
Net Income ($mil)7.824.64

Balance Sheet Q2 FY15 Q2 FY14
Cash & Equiv. ($mil)83.08120.29
Total Assets ($mil)2636.761921.53
Total Debt ($mil)237.7265.6
Equity ($mil)281.59192.18

Profitability Q2 FY15 Q2 FY14
Gross Profit Margin86.0488.19
EBITDA Margin52.4551.09
Operating Margin50.6248.61
Sales Turnover0.040.04
Return on Assets0.710.75
Return on Equity6.737.56
Debt Q2 FY15 Q2 FY14
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q2 FY15 Q2 FY14
Shares outstanding (mil)21.5117.07
Div / share0.00.0
Book value / share13.0911.26
Institutional Own % n/a n/a
Avg Daily Volume89295.065849.0


BUY. The current P/E ratio indicates a premium compared to an average of 17.17 for the Commercial Banks industry and a value on par with the S&P 500 average of 19.38. Conducting a second comparison, its price-to-book ratio of 1.54 indicates a discount versus the S&P 500 average of 2.58 and a premium versus the industry average of 1.09. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, PACIFIC PREMIER BANCORP INC proves to trade at a premium to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
PPBI 20.62 Peers 17.17   PPBI 21.47 Peers 10.23

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

PPBI is trading at a premium to its peers.


Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

PPBI is trading at a significant premium to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
PPBI 12.55 Peers 27.09   PPBI 0.60 Peers 0.76

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

PPBI is trading at a significant discount to its peers.


Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

PPBI trades at a discount to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
PPBI 1.54 Peers 1.09   PPBI 16.66 Peers 30.98

Premium. A higher price-to-book ratio makes a stock less attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

PPBI is trading at a significant premium to its peers.


Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, PPBI is expected to significantly trail its peers on the basis of its earnings growth rate.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
PPBI 3.76 Peers 2.28   PPBI 42.46 Peers -0.20

Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

PPBI is trading at a significant premium to its industry.


Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

PPBI has a sales growth rate that significantly exceeds its peers.



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