PACIFIC PREMIER BANCORP INC's gross profit margin for the first quarter of its fiscal year 2015 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.
At the same time, stockholders' equity ("net worth") has greatly increased by 44.68% from the same quarter last year.
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|Income Statement||Q1 FY15||Q1 FY14|
|Net Sales ($mil)||28.1||20.07|
|Net Income ($mil)||1.79||2.63|
|Balance Sheet||Q1 FY15||Q1 FY14|
|Cash & Equiv. ($mil)||178.37||124.42|
|Total Assets ($mil)||2753.0||1745.28|
|Total Debt ($mil)||413.74||105.82|
|Profitability||Q1 FY15||Q1 FY14|
|Gross Profit Margin||82.98||88.36|
|Return on Assets||0.57||0.55|
|Return on Equity||5.77||5.11|
|Debt||Q1 FY15||Q1 FY14|
|Share Data||Q1 FY15||Q1 FY14|
|Shares outstanding (mil)||21.39||17.23|
|Div / share||0.0||0.0|
|Book value / share||12.78||10.96|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||48701.0||32429.0|
HOLD. This stock's P/E ratio indicates a premium compared to an average of 14.90 for the Commercial Banks industry and a discount compared to the S&P 500 average of 20.65. To use another comparison, its price-to-book ratio of 1.24 indicates a significant discount versus the S&P 500 average of 2.85 and a premium versus the industry average of 1.18. 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.
|PPBI 17.81||Peers 14.90||PPBI NA||Peers 5.71|
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.
Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.
Ratio not available.
|PPBI 10.23||Peers 37.54||PPBI 0.49||Peers 1.29|
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.
|PPBI 1.24||Peers 1.18||PPBI 61.81||Peers 18.04|
Average. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.
PPBI is trading at a valuation on par with 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.
|PPBI 3.30||Peers 2.39||PPBI 33.90||Peers 0.09|
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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