Pacific Premier Bancorp Inc

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PPBI : NASDAQ : Financial
$26.45 up 0.12 | 0.46%
Today's Range: 26.13 - 26.50
Avg. Daily Volume: 119,400
09/27/16 - 11:24 AM ET

Financial Analysis


PACIFIC PREMIER BANCORP INC's gross profit margin for the second quarter of its fiscal year 2016 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 56.47% from the same quarter last year.

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Income Statement Q2 FY16 Q2 FY15
Net Sales ($mil)45.3234.45
EBITDA ($mil)24.7318.39
EBIT ($mil)23.4117.41
Net Income ($mil)10.377.82


Balance Sheet Q2 FY16 Q2 FY15
Cash & Equiv. ($mil)189.2483.08
Total Assets ($mil)3598.652636.76
Total Debt ($mil)190.56237.7
Equity ($mil)440.63281.59


Profitability Q2 FY16 Q2 FY15
Gross Profit Margin89.1886.04
EBITDA Margin54.5653.37
Operating Margin51.6450.53
Sales Turnover0.040.04
Return on Assets0.960.71
Return on Equity7.96.73
Debt Q2 FY16 Q2 FY15
Current Ratio0.00.0
Debt/Capital0.30.46
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)27.6521.51
Div / share0.00.0
EPS0.370.36
Book value / share15.9413.09
Institutional Own % n/a n/a
Avg Daily Volume125301.0139685.0

Valuation


BUY. This stock's P/E ratio indicates a premium compared to an average of 13.21 for the Commercial Banks industry and a discount compared to the S&P 500 average of 25.19. Conducting a second comparison, its price-to-book ratio of 1.69 indicates a discount versus the S&P 500 average of 2.82 and a premium versus the industry average of 1.07. 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.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
PPBI 18.88 Peers 13.21   PPBI 15.19 Peers 9.17

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

PPBI is trading at a significant 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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
PPBI 14.21 Peers 12.44   PPBI 0.61 Peers 4.15

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

PPBI is trading at a significant premium 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 1.69 Peers 1.07   PPBI 45.91 Peers -8.47

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.

 

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 4.73 Peers 2.29   PPBI 36.76 Peers 1.69

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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