Pacific Premier Bancorp Inc

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PPBI : NASDAQ : Financial
$34.55 0.0 | 0.0%
Today's Range: 34.15 - 34.65
Avg. Daily Volume: 313100.0
05/24/17 - 4:00 PM ET

Financial Analysis


PACIFIC PREMIER BANCORP INC's gross profit margin for the first quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has increased by 9.82% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)50.1142.37
EBITDA ($mil)26.5423.78
EBIT ($mil)25.2122.77
Net Income ($mil)9.528.55


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)104.46197.46
Total Assets ($mil)4174.433563.09
Total Debt ($mil)380.78195.27
Equity ($mil)471.03428.89


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin87.5889.56
EBITDA Margin52.9756.13
Operating Margin50.3153.74
Sales Turnover0.050.04
Return on Assets0.980.9
Return on Equity8.717.52
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.450.31
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)27.9127.54
Div / share0.00.0
EPS0.340.33
Book value / share16.8815.58
Institutional Own % n/a n/a
Avg Daily Volume306077.0250718.0

Valuation


BUY. The current P/E ratio indicates a significant discount compared to an average of 42.40 for the Commercial Banks industry and a value on par with the S&P 500 average of 25.02. Conducting a second comparison, its price-to-book ratio of 2.04 indicates a discount versus the S&P 500 average of 3.00 and a premium versus the industry average of 1.23. 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 23.44 Peers 42.40   PPBI 15.48 Peers 14.13

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

PPBI is trading at a significant discount to its peers.

 

Average. 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 valuation on par 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 14.32 Peers 100.22   PPBI 1.02 Peers 1.53

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 2.04 Peers 1.23   PPBI 3.52 Peers 2.93

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 exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
PPBI 4.96 Peers 2.78   PPBI 31.86 Peers 4.87

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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