Pacific Premier Bancorp Inc

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PPBI : NASDAQ : Financial
$36.25 | %
Today's Range: 36.05 - 36.6
Avg. Daily Volume: 223100.0
01/20/17 - 4:00 PM ET

Financial Analysis


PACIFIC PREMIER BANCORP INC's gross profit margin for the third quarter of its fiscal year 2016 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.

At the same time, stockholders' equity ("net worth") has greatly increased by 54.75% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)48.434.13
EBITDA ($mil)24.1518.83
EBIT ($mil)22.8718.01
Net Income ($mil)9.237.84


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)107.85102.76
Total Assets ($mil)3754.832715.3
Total Debt ($mil)205.57261.79
Equity ($mil)449.97290.77


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin84.6487.95
EBITDA Margin49.955.16
Operating Margin47.2552.77
Sales Turnover0.050.05
Return on Assets0.960.78
Return on Equity8.047.33
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.310.47
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)27.6621.51
Div / share0.00.0
EPS0.330.36
Book value / share16.2713.52
Institutional Own % n/a n/a
Avg Daily Volume221805.0112611.0

Valuation


BUY. The current P/E ratio indicates a premium compared to an average of 17.26 for the Commercial Banks industry and a value on par with the S&P 500 average of 25.41. Conducting a second comparison, its price-to-book ratio of 2.21 indicates a discount versus the S&P 500 average of 2.83 and a premium versus the industry average of 1.20. 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 25.71 Peers 17.26   PPBI 18.58 Peers 12.53

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 19.46 Peers 14.26   PPBI 1.18 Peers 2.32

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 2.21 Peers 1.20   PPBI 35.92 Peers -39.58

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 5.78 Peers 2.84   PPBI 38.75 Peers 5.07

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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