Pacific Stock Story

PPBI

- USA Stock

USD 31.29 0.27 0.86%

Macroaxis Story

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 393.9 K. As many of us are excited about financial services space, it is fair to concentrate on Pacific Premier Bncp. I will take a closer look at this stock and the current sentiment generated by stockholders. Here I will also expose some primary fundamental factors affecting Pacific Premier's services, and outline how it will impact the outlook for investors this year.

Published over three months ago

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Is Pacific Premier (NASDAQ:PPBI) ripping up stockholders?

Pacific Premier Bncp reported the previous year's revenue of 817.36 M. Net Income was 319.32 M with profit before overhead, payroll, taxes, and interest of 453.72 M. Earning per share calculations of Pacific Premier is based on official Zacks consensus of 4 analysts regarding Pacific Premier's future annual earnings. Given the historical accuracy of 79.43%, the future earnings per share of the company is estimated to be 3.51 with the lowest and highest values of 3.47 and 3.58, respectively. Please note that this consensus of annual earnings estimates for the firm is an estimate of EPS before non-recurring items and including employee stock options expenses.

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 $0.08 per share.

Investing in stocks that pay dividends, such as stock of Pacific Premier Bncp, is one of many strategies that are good for long-term investments. 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 Bncp 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 does Pacific utilize 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 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 11th of May 2022. This event was filed by Pacific Premier Bancorp I with SEC on 2022-05-11. 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.

Breaking down Pacific Premier Further

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Pacific Premier has an asset utilization ratio of 343.03 percent. This implies that the company is making $3.43 for each dollar of assets. An increasing asset utilization means that Pacific Premier Bncp is more efficient with each dollar of assets it utilizes for everyday operations.

Pacific Premier implied volatility may change after the drop

Current standard deviation is at 1.87. Pacific Premier Bncp has relatively low volatility with skewness of -0.29 and kurtosis of 1.15. However, we advise all investors to independently investigate Pacific Premier Bncp to ensure all accessible information is consistent with the expectations about its upside potential and future expected returns. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Pacific Premier's stock risk against market volatility during both bullying and bearish trends. The higher level of volatility that comes with bear markets can directly impact Pacific Premier's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different stocks as prices fall.

Pacific Premier Implied Volatility

Pacific Premier's implied volatility exposes the market's sentiment of Pacific Premier Bncp stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Pacific Premier's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Pacific Premier stock will not fluctuate a lot when Pacific Premier's options are near their expiration.

Our Final Take On Pacific Premier

When is the right time to buy or sell Pacific Premier Bncp? Buying stocks such as Pacific Premier isn't very hard. However, what challenging for most investors is doing it at the right time. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities, deliver winning trades and diversify portfolios on a daily basis.

With an impartial outlook on the current market volatility, it may be better to hold off any inventment activity and neither trade nor trade any shares of Pacific Premier at this time. The Pacific Premier Bncp risk-reward trade off is not appealing enough to do any trading. Please use our equity advice module to run different scenarios to ensure your current risk level and investment horizon are fully reflective of your current investing preferences in regards to Pacific Premier.

Editorial Staff

Gabriel Shpitalnik is a Member of Macroaxis Editorial Board. Gabriel is a young entrepreneur and writes predominantly on the business, technology, and finance sector. He likes to analyze different equity instruments across a wide range of industries focusing primarily on consumer products and evolving technologies. View Profile

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 Gabriel Shpitalnik do not own shares of Pacific Premier Bncp. Please refer to our Terms of Use for any information regarding our disclosure principles.

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