Head-to-Head Review: Pacific Premier Bancorp (NASDAQ:PPBI) vs. S&T Bancorp (NASDAQ:STBA)

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S&T Bancorp (NASDAQ: STBAGet a rating) and Pacific Premier Bancorp (NASDAQ: PPBIGet a rating) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their analyst recommendations, earnings, profitability, risk, dividends, institutional ownership and valuation.

Analyst Recommendations

This is a breakdown of recent ratings from S&T Bancorp and Pacific Premier Bancorp, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
S&T Bancorp 0 1 0 0 2.00
First Pacific Bancorp 0 1 0 1 3.00

Pacific Premier Bancorp has a consensus target price of $40.33, indicating a potential upside of 19.90%. Given Pacific Premier Bancorp’s stronger consensus rating and higher upside potential, analysts clearly believe that Pacific Premier Bancorp is more favorable than S&T Bancorp.

Volatility and risk

S&T Bancorp has a beta of 0.66, meaning its stock price is 34% less volatile than the S&P 500. In comparison, Pacific Premier Bancorp has a beta of 1.2, meaning its stock price is 20 % more volatile than the S&P 500.

Profitability

This table compares the net margins, return on equity and return on assets of S&T Bancorp and Pacific Premier Bancorp.

Net margins Return on equity return on assets
S&T Bancorp 30.84% 9.06% 1.15%
First Pacific Bancorp 38.46% 11.07% 1.45%

Dividends

S&T Bancorp pays an annual dividend of $1.20 per share and has a dividend yield of 3.9%. Pacific Premier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 3.9%. S&T Bancorp pays 43.5% of its profits as a dividend. Pacific Premier Bancorp pays 40.4% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. S&T Bancorp has increased its dividend for 2 consecutive years and Pacific Premier Bancorp has increased its dividend for 2 consecutive years. Pacific Premier Bancorp is clearly the best dividend-paying stock, given its higher yield and lower payout ratio.

Benefits and evaluation

This table compares gross revenue, earnings per share and valuation of S&T Bancorp and Pacific Premier Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
S&T Bancorp $353.87 million 3.44 $110.34 million $2.76 11.21
First Pacific Bancorp $804.59 million 3.97 $339.89 million $3.27 10.29

Pacific Premier Bancorp has higher revenue and profit than S&T Bancorp. Pacific Premier Bancorp trades at a lower price-to-earnings ratio than S&T Bancorp, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

61.1% of S&T Bancorp shares are held by institutional investors. By comparison, 91.9% of shares in Pacific Premier Bancorp are held by institutional investors. 1.5% of S&T Bancorp shares are held by insiders of the company. By comparison, 2.2% of shares in Pacific Premier Bancorp are held by insiders of the company. Strong institutional ownership indicates that endowments, hedge funds, and large money managers believe a stock is poised for long-term growth.

Summary

Pacific Premier Bancorp beats S&T Bancorp on 15 of the 16 factors compared between the two stocks.

About S&T Bancorp

(Get a rating)

S&T Bancorp, Inc. operates as a bank holding company for S&T Bank which provides retail and commercial banking products and services. The Company operates through six segments: commercial, commercial and industrial real estate, corporate banking, commercial construction, consumer real estate and other consumer goods. The company accepts demand and term deposits; and offers commercial and consumer loans, cash management and brokerage and trust services, as well as custodial and custodian of employee benefits. She also manages private investment accounts for individuals and institutions. Additionally, the Company distributes life and long-term disability insurance products, as well as title insurance agency services to commercial clients; and acts as a reinsurer of life, accident and health insurance policies. As of December 31, 2021, it operated 73 bank branches and 5 loan origination offices located in Western Pennsylvania, Eastern Pennsylvania, Northeastern Ohio, Central Ohio and upstate New York. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.

About Pacific Premier Bancorp

(Get a rating)

Pacific Premier Bancorp LogoPacific Premier Bancorp, Inc. operates as a bank holding company for Pacific Premier Bank which provides banking services to businesses, professionals, real estate investors and non-profit organizations. The company accepts deposit products, such as checking accounts, money market accounts and savings accounts. and certificates of deposit. Its loan portfolio includes commercial and non-owner-occupied real estate, multi-family, construction and land loans, secured real estate franchises, small business administration (SBA) and SBA paycheck protection programs; revolving lines of credit, term loans, seasonal loans and loans secured by liquid collateral; one to four family loans and home equity lines of credit; and secured savings account loans and car loans. The company also offers cash management, electronic banking, cash management and online bill payment services. It operates 61 full-service depository branches located in Arizona, California, Nevada, Oregon and Washington. Pacific Premier Bancorp, Inc. was founded in 1983 and is headquartered in Irvine, California.



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