Pacific Story

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PPBI -- USA Stock  

USD 19.47  0.36  1.88%

Pacific Premier Earnings Before Interest Taxes and Depreciation Amortization EBITDA are most likely to increase significantly in the upcoming years. The last year's value of Earnings Before Interest Taxes and Depreciation Amortization EBITDA was reported at 38.84 Million. The current Earnings before Tax is estimated to increase to about 39.5 M, while Revenue Per Employee is projected to decrease to roughly 460.3 K. As some conservative investors are getting more into financial services space, Pacific Premier Bancorp could be a your radar. We will analyze why it could be a much better year for Pacific Premier shareholders. Here I will also concentrate on some technical and fundamental indicators that Pacific Premier Bancorp investors should consider in August.
Published over two months ago
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What are the odds of Pacific Premier dropping in August?
Pacific Premier Bancorp is undervalued at 22.64 per share with modest projections ahead. Pacific Premier has performance score of 1 on a scale of 0 to 100. The company holds a Beta of 2.48, which implies a somewhat significant risk relative to the market. Let's try to break down what Pacific's beta means in this case. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Pacific Premier will likely underperform. Although it is extremely important to respect Pacific Premier Bancorp current trending patterns, it is better to be realistic regarding the information on equity existing price patterns. The philosophy towards forecasting future performance of any stock is to evaluate the business as a whole together with its past performance, including all available fundamental and technical indicators. By analyzing Pacific Premier Bancorp technical indicators, you can presently evaluate if the expected return of 0.0894% will be sustainable into the future. Pacific Premier Bancorp right now holds a risk of 5.1%. Please check Pacific Premier Bancorp information ratio, downside variance, day median price, as well as the relationship between the treynor ratio and kurtosis to decide if Pacific Premier Bancorp will be following its historical price patterns.

And What about dividends?

A dividend is the distribution of a portion of Pacific Premier earnings, decided and managed by the company's board of directors and paid to a class of its shareholders. Note, announcements of dividend payouts are generally accompanied by a proportional increase or decrease in a company's stock price. Pacific Premier dividend payments follow a chronological order of events, and the associated dates are important to determine the shareholders who qualify for receiving the dividend payment. Pacific one year expected dividend income is about $0.54 per share.
Investing in dividend-paying stocks, such as Pacific Premier Bancorp is one of the few strategies that are good for long-term investment. Ex-dividend dates are significant because investors in Pacific Premier must own a stock before its ex-dividend date to receive its next dividend. This type of analysis is very useful when you want to generate a past dividend schedule and payout information for Pacific Premier. Then that information in the form of graph and calendar can be used to fully explain how Du Pont dividends can provide a real clue to its valuation.

How important is Pacific Premier's Liquidity

Pacific Premier financial leverage refers to using borrowed capital as a funding source to finance Pacific Premier Bancorp ongoing operations. It is usually used to expand the firm's asset base and generate returns on borrowed capital. Pacific Premier financial leverage is typically calculated by taking the company's all interest-bearing debt and dividing it by total capital. So the higher the debt-to-capital ratio (i.e., financial leverage), the riskier the company. Please check the breakdown between Pacific Premier's total debt and its cash.

How Pacific utilizes its cash?

To perform a cash flow analysis of Pacific Premier, investors first need to understand how to read the cash flow statement. A cash flow statement shows the amount of cash Pacific Premier is receiving and how much cash it distributes out in a given period. The Pacific Premier cash flow statement breaks down these inflows and outflows into different buckets, including operating activities, investing activities, and financing activities. Pacific Premier Net Cash Flow from Operations is most likely to increase significantly in the upcoming years. The last year's value of Net Cash Flow from Operations was reported at 182.69 Million

Pacific Premier exotic insider transaction detected

Legal trades by Pacific Premier insiders are very common, as founders, directors, or employees of any publicly traded firm often have stock or stock options. These trades are made public in the United States through the filing of Form 4 of the Securities and Exchange Commission. Below entry was recorded recently and is publicly available as an insider trade:
Pacific insider trading alert for general transaction of options on ppbi common stock by Joseph Garrett, the corporate stakeholder, on 4th of September 2020. This event was filed by Pacific Premier Bancorp I with SEC on 2020-09-04. Statement of changes in beneficial ownership - SEC Form 4 [view details]   
Note, although insider trading is legal, in the United States, Canada, Australia, and Germany, for mandatory reporting purposes, corporate insiders are defined as a company's officers, directors, and any beneficial owners of more than 10% of a class of the company's equity securities.

What is driving Pacific Premier Investor Appetite?

Pacific Premier owns a total of ninety-four million three hundred fifty thousand outstanding shares. The majority of Pacific Premier Bancorp outstanding shares are owned by third-party entities. These institutional holders are usually referred to as non-private investors looking to secure positions in Pacific Premier Bancorp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Pacific Premier. Please pay attention to any change in the institutional holdings of Pacific Premier Bancorp as this could imply that something significant has changed or about to change at the company. Please note that no matter how much assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.
 2019 2020 (projected)
Net Income159.72 M172.33 M
Gross Profit102.88 M111.01 M

Ownership Breakdown

Retail Investors
7.16%
Institutions
89.61%
Retail Investors7.16
Insiders3.23
Institutions89.61

Our take on Pacific Premier small drop

Pacific Premier current coefficient of variation boosts over 1262.69. Pacific Premier Bancorp exhibits above-average semi-deviation for your current time horizon. We encourage investors to investigate Pacific Premier Bancorp individually to make sure intended market timing strategies and available technical indicagtors are consistent with their estimates about Pacific Premier future systematic risk.

While some firms in the banks?regional industry are either recovering or due for a correction, Pacific Premier may not be performing as strong as the other in terms of long-term growth potentials. Taking everything into account, as of the 27th of July 2020, we see that Pacific Premier hyperactively responds to market trends. The company is undervalued with below average probability of distress within the next 24 months. However, our up-to-date 30 days buy-hold-sell recommendation on the company is Strong Sell.

About Contributor

This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Achuva Shats do not own shares of Pacific Premier Bancorp. Please refer to our Terms of Use for any information regarding our disclosure principles.

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