` Comparison: PPBI, TFC - Alpha Spread

PPBI
vs
TFC

Over the past 12 months, PPBI has underperformed TFC, delivering a return of +4% compared to the TFC's +18% growth.

Valuation Growth Profitability Solvency Stocks Performance
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PPBI
TFC
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Stocks Compared:
PPBI TFC
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Valuation Comparison

PPBI Intrinsic Value
23.1 USD
Overvaluation 6%
Intrinsic Value
Price
TFC Intrinsic Value
62.66 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pacific Premier Bancorp Inc
NASDAQ:PPBI
24.49 USD
Truist Financial Corp
NYSE:TFC
50.15 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PPBI, TFC

PPBI
TFC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Pacific Premier Bancorp Inc
Revenue
Truist Financial Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
PPBI, TFC

PPBI
TFC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Pacific Premier Bancorp Inc
NASDAQ:PPBI
FCF is not applicable for financial companies
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PPBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

PPBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

PPBI
23.2%
TFC
24.3%

FCF Margin

PPBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

PPBI
4.6%
TFC
7.5%

ROA

PPBI
0.8%
TFC
0.9%

ROIC

PPBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

PPBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PPBI, TFC

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PPBI
TFC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PPBI, TFC

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PPBI
TFC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
PPBI, TFC

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PPBI
TFC
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