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Pacific Premier Bancorp Inc
PPBI : NASDAQ : Financial
$17.00 | %
Today's Range: 16.82 - 17.14
Avg. Daily Volume: 31,900
12/19/14 - 4:00 PM ET

Financial Analysis


PACIFIC PREMIER BANCORP INC's gross profit margin for the third quarter of its fiscal year 2014 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.

During the same period, stockholders' equity ("net worth") has increased by 15.60% from the same quarter last year.

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Income Statement Q3 FY14 Q3 FY13
Net Sales ($mil)25.518.7
EBITDA ($mil)12.999.14
EBIT ($mil)12.448.62
Net Income ($mil)5.453.07


Balance Sheet Q3 FY14 Q3 FY13
Cash & Equiv. ($mil)103.6361.42
Total Assets ($mil)2034.251569.02
Total Debt ($mil)265.8796.78
Equity ($mil)197.86171.15


Profitability Q3 FY14 Q3 FY13
Gross Profit Margin87.0789.24
EBITDA Margin50.9348.86
Operating Margin48.7946.09
Sales Turnover0.040.04
Return on Assets0.830.54
Return on Equity8.555.02
Debt Q3 FY14 Q3 FY13
Current Ratio0.00.0
Debt/Capital0.570.36
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY14 Q3 FY13
Shares outstanding (mil)17.0716.64
Div / share0.00.0
EPS0.310.18
Book value / share11.5910.28
Institutional Own % n/a n/a
Avg Daily Volume33683.034313.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 22.67 for the Commercial Banks industry and a discount compared to the S&P 500 average of 19.74. Conducting a second comparison, its price-to-book ratio of 1.43 indicates a discount versus the S&P 500 average of 2.73 and a premium versus the industry average of 1.17. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
PPBI 17.07 Peers 22.67   PPBI 17.92 Peers 40.42

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

PPBI is trading at a discount to its peers.

 

Discount. 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 discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
PPBI 12.74 Peers 42.08   PPBI 0.19 Peers 1.41

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 significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
PPBI 1.43 Peers 1.17   PPBI 59.01 Peers 24.14

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 premium to its peers.

 

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

PPBI is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
PPBI 3.22 Peers 2.53   PPBI 26.65 Peers 3.22

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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