24.49 USD
+0.08 (+0.33%)
24.52 USD
+0.03 (+0.12%)
PPBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 385 industry peers in the Banks industry. Both the profitability and financial health of PPBI have multiple concerns. PPBI does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year PPBI was profitable.
In the past year PPBI had a positive cash flow from operations.
In the past 5 years PPBI has always been profitable.
In the past 5 years PPBI always reported a positive cash flow from operatings.
1.2 Ratios
PPBI has a Return On Assets (0.76%) which is comparable to the rest of the industry.
With a Return On Equity value of 4.55%, PPBI is not doing good in the industry: 76.77% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 4.55% | ||
| ROIC | N/A |
ROA(3y)0.77%
ROA(5y)0.84%
ROE(3y)5.43%
ROE(5y)6.02%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PPBI has a Profit Margin (23.20%) which is in line with its industry peers.
In the last couple of years the Profit Margin of PPBI has declined.
The Operating Margin and Gross Margin are not available for PPBI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.2% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.79%
PM growth 5Y-5.15%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PPBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
PPBI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for PPBI has been increased compared to 5 years ago.
Compared to 1 year ago, PPBI has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PPBI is 0.70, which is an excellent value as it means it would take PPBI, only 0.70 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.70, PPBI is in the better half of the industry, outperforming 79.80% of the companies in the same industry.
PPBI has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
PPBI has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. PPBI outperforms 82.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PPBI have decreased strongly by -21.47% in the last year.
PPBI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.01% yearly.
Looking at the last year, PPBI shows a very strong growth in Revenue. The Revenue has grown by 43.63%.
The Revenue has been growing slightly by 5.14% on average over the past years.
EPS 1Y (TTM)-21.47%
EPS 3Y-22.84%
EPS 5Y-9.01%
EPS Q2Q%-4.65%
Revenue 1Y (TTM)43.63%
Revenue growth 3Y-6.99%
Revenue growth 5Y5.14%
Sales Q2Q%-7.07%
3.2 Future
Based on estimates for the next years, PPBI will show a decrease in Earnings Per Share. The EPS will decrease by -2.58% on average per year.
Based on estimates for the next years, PPBI will show a small growth in Revenue. The Revenue will grow by 1.90% on average per year.
EPS Next Y-8.78%
EPS Next 2Y-2.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.99%
Revenue Next 2Y1.9%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
PPBI is valuated correctly with a Price/Earnings ratio of 16.33.
PPBI's Price/Earnings ratio is a bit more expensive when compared to the industry. PPBI is more expensive than 71.46% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.55, PPBI is valued a bit cheaper.
The Price/Forward Earnings ratio is 15.73, which indicates a correct valuation of PPBI.
PPBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PPBI is more expensive than 74.24% of the companies in the same industry.
PPBI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.33 | ||
| Fwd PE | 15.73 |
4.2 Price Multiples
PPBI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PPBI's earnings are expected to decrease with -2.58% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.58%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.39%, PPBI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.70, PPBI pays a better dividend. On top of this PPBI pays more dividend than 85.35% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, PPBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
5.2 History
The dividend of PPBI is nicely growing with an annual growth rate of 8.39%!
PPBI has been paying a dividend for over 5 years, so it has already some track record.
PPBI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)8.39%
Div Incr Years0
Div Non Decr Years5
5.3 Sustainability
94.19% of the earnings are spent on dividend by PPBI. This is not a sustainable payout ratio.
The Dividend Rate of PPBI has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP94.19%
EPS Next 2Y-2.58%
EPS Next 3YN/A
24.49
+0.08 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners95.57%
Inst Owner Change-97.5%
Ins Owners2.26%
Ins Owner Change-126.77%
Market Cap2.38B
Revenue(TTM)583.42M
Net Income(TTM)135.37M
Analysts76.36
Price Target26.9 (9.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
Yearly Dividend1.32
Dividend Growth(5Y)8.39%
DP94.19%
Div Incr Years0
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.62%
Min EPS beat(2)21.25%
Max EPS beat(2)23.99%
EPS beat(4)3
Avg EPS beat(4)12.77%
Min EPS beat(4)-3.45%
Max EPS beat(4)23.99%
EPS beat(8)5
Avg EPS beat(8)5.06%
EPS beat(12)6
Avg EPS beat(12)2.7%
EPS beat(16)8
Avg EPS beat(16)2.61%
Revenue beat(2)0
Avg Revenue beat(2)-2.87%
Min Revenue beat(2)-4.39%
Max Revenue beat(2)-1.35%
Revenue beat(4)0
Avg Revenue beat(4)-4.32%
Min Revenue beat(4)-7.84%
Max Revenue beat(4)-1.35%
Revenue beat(8)0
Avg Revenue beat(8)-4.91%
Revenue beat(12)2
Avg Revenue beat(12)-2.56%
Revenue beat(16)6
Avg Revenue beat(16)1.23%
PT rev (1m)2.63%
PT rev (3m)2.63%
EPS NQ rev (1m)-0.92%
EPS NQ rev (3m)6.98%
EPS NY rev (1m)7.06%
EPS NY rev (3m)7.37%
Revenue NQ rev (1m)1.35%
Revenue NQ rev (3m)3.38%
Revenue NY rev (1m)2.01%
Revenue NY rev (3m)2.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.33 | ||
| Fwd PE | 15.73 | ||
| P/S | 4.07 | ||
| P/FCF | 13.48 | ||
| P/OCF | 13.14 | ||
| P/B | 0.8 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.5
EY6.12%
EPS(NY)1.56
Fwd EY6.36%
FCF(TTM)1.82
FCFY7.42%
OCF(TTM)1.86
OCFY7.61%
SpS6.02
BVpS30.68
TBVpS21.11
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 4.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.2% | ||
| GM | N/A | ||
| FCFM | 30.21% |
ROA(3y)0.77%
ROA(5y)0.84%
ROE(3y)5.43%
ROE(5y)6.02%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.79%
PM growth 5Y-5.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.7 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 21.25% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 130.2% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.1%
ROIC/WACCN/A
Cap/Depr(3y)22.45%
Cap/Depr(5y)26.8%
Cap/Sales(3y)1%
Cap/Sales(5y)1.2%
Profit Quality(3y)378.53%
Profit Quality(5y)313.02%
High Growth Momentum
Growth
EPS 1Y (TTM)-21.47%
EPS 3Y-22.84%
EPS 5Y-9.01%
EPS Q2Q%-4.65%
EPS Next Y-8.78%
EPS Next 2Y-2.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)43.63%
Revenue growth 3Y-6.99%
Revenue growth 5Y5.14%
Sales Q2Q%-7.07%
Revenue Next Year-1.99%
Revenue Next 2Y1.9%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-52.29%
FCF growth 3Y-10.51%
FCF growth 5Y6.33%
OCF growth 1Y-52.03%
OCF growth 3Y-10.9%
OCF growth 5Y4.39%
PACIFIC PREMIER BANCORP INC / PPBI FAQ
What is the ChartMill fundamental rating of PACIFIC PREMIER BANCORP INC (PPBI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PPBI.
What is the valuation status for PPBI stock?
ChartMill assigns a valuation rating of 2 / 10 to PACIFIC PREMIER BANCORP INC (PPBI). This can be considered as Overvalued.
How profitable is PACIFIC PREMIER BANCORP INC (PPBI) stock?
PACIFIC PREMIER BANCORP INC (PPBI) has a profitability rating of 3 / 10.
How financially healthy is PACIFIC PREMIER BANCORP INC?
The financial health rating of PACIFIC PREMIER BANCORP INC (PPBI) is 3 / 10.
What is the earnings growth outlook for PACIFIC PREMIER BANCORP INC?
The Earnings per Share (EPS) of PACIFIC PREMIER BANCORP INC (PPBI) is expected to decline by -8.78% in the next year.