First National Bank Alaska (OTCMKTS:FBAK) Vs. Pacific Premier Bancorp (NASDAQ:PPBI) Financial Analysis
First National Bank Alaska (OTCMKTS:FBAK) Vs. Pacific Premier Bancorp (NASDAQ:PPBI) Financial Analysis
First National Bank Alaska (OTCMKTS:FBAK – Get Rating) and Pacific Premier Bancorp (NASDAQ:PPBI – Get Rating) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, valuation, dividends, analyst recommendations, earnings and institutional ownership.
阿拉斯加第一國民銀行(OTCMKTS：FBAK-GET評級)和太平洋總理銀行(納斯達克：PPBI-GET評級)都是金融公司，但哪隻股票更優越？我們將根據兩家公司的盈利能力、風險、估值、股息、分析師建議、收益和機構所有權等方面的實力進行比較。
Dividends
分紅
First National Bank Alaska pays an annual dividend of $12.80 per share and has a dividend yield of 5.2%. Pacific Premier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 4.1%. First National Bank Alaska pays out 68.7% of its earnings in the form of a dividend. Pacific Premier Bancorp pays out 40.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Pacific Premier Bancorp has increased its dividend for 2 consecutive years.
阿拉斯加第一國民銀行每年派息為每股12.80美元，股息率為5.2%。Pacific Premier Bancorp的年度股息為每股1.32美元，股息率為4.1%。阿拉斯加第一國民銀行以股息的形式支付其收益的68.7%。Pacific Premier Bancorp以股息的形式支付其收益的40.4%。這兩家公司的派息率都很健康，應該能夠在未來幾年用收益來支付股息。Pacific Premier Bancorp連續兩年增加股息。
Profitability
盈利能力
This table compares First National Bank Alaska and Pacific Premier Bancorp's net margins, return on equity and return on assets.
此表比較了阿拉斯加第一國民銀行和太平洋高級銀行的淨利潤率、股本回報率和資產回報率。
| Net Margins | Return on Equity | Return on Assets | |
| First National Bank Alaska | N/A | 10.63% | 1.06% |
| Pacific Premier Bancorp | 38.46% | 11.07% | 1.45% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| 阿拉斯加第一國民銀行 | 不適用 | 10.63% | 1.06% |
| 太平洋精品銀行 | 38.46% | 11.07% | 1.45% |
Analyst Recommendations
分析師建議
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First National Bank Alaska | 0 | 0 | 0 | 0 | N/A |
| Pacific Premier Bancorp | 0 | 1 | 0 | 1 | 3.00 |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| 阿拉斯加第一國民銀行 | 0 | 0 | 0 | 0 | 不適用 |
| 太平洋精品銀行 | 0 | 1 | 0 | 1 | 3.00 |
Pacific Premier Bancorp has a consensus price target of $40.33, suggesting a potential upside of 26.16%. Given Pacific Premier Bancorp's higher possible upside, analysts plainly believe Pacific Premier Bancorp is more favorable than First National Bank Alaska.
太平洋總理Bancorp的共識目標價為40.33美元，暗示潛在上行26.16%。鑑於Pacific Premier Bancorp的上行可能性更高，分析師顯然認為Pacific Premier Bancorp比阿拉斯加第一國民銀行更有利。
Risk & Volatility
風險與波動性
First National Bank Alaska has a beta of 0.25, meaning that its stock price is 75% less volatile than the S&P 500. Comparatively, Pacific Premier Bancorp has a beta of 1.23, meaning that its stock price is 23% more volatile than the S&P 500.
阿拉斯加第一國民銀行的貝塔係數為0.25，這意味着其股價的波動性比標準普爾500指數低75%。相比之下，Pacific Premier Bancorp的貝塔係數為1.23，這意味着其股價的波動性比標準普爾500指數高23%。
Insider & Institutional Ownership
內部人與機構所有權
92.8% of Pacific Premier Bancorp shares are owned by institutional investors. 2.2% of Pacific Premier Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Pacific Premier Bancorp 92.8%的股份由機構投資者持有。Pacific Premier Bancorp 2.2%的股份由公司內部人士持有。強大的機構持股表明，大型基金管理公司、對衝基金和捐贈基金相信，一家公司的長期表現將好於大盤。
Valuation and Earnings
估值和收益
This table compares First National Bank Alaska and Pacific Premier Bancorp's gross revenue, earnings per share (EPS) and valuation.
此表比較了阿拉斯加第一國民銀行和太平洋銀行的毛收入、每股收益(EPS)和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First National Bank Alaska | $174.22 million | 4.49 | $58.41 million | $18.62 | 13.27 |
| Pacific Premier Bancorp | $804.59 million | 3.77 | $339.89 million | $3.27 | 9.78 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| 阿拉斯加第一國民銀行 | 1.7422億美元 | 4.49 | 5841萬美元 | $18.62 | 13.27 |
| 太平洋精品銀行 | 8.0459億美元 | 3.77 | 3.3989億美元 | $3.27 | 9.78 |
Pacific Premier Bancorp has higher revenue and earnings than First National Bank Alaska. Pacific Premier Bancorp is trading at a lower price-to-earnings ratio than First National Bank Alaska, indicating that it is currently the more affordable of the two stocks.
太平洋總理Bancorp的收入和收益高於阿拉斯加第一國民銀行。Pacific Premier Bancorp的市盈率低於阿拉斯加第一國民銀行，表明它目前是兩隻股票中更負擔得起的一隻。
Summary
摘要
Pacific Premier Bancorp beats First National Bank Alaska on 12 of the 16 factors compared between the two stocks.
Pacific Premier Bancorp在兩隻股票比較的16個因素中有12個擊敗了阿拉斯加第一國民銀行。
About First National Bank Alaska
關於阿拉斯加第一國民銀行
(Get Rating)
(獲取評級)
First National Bank Alaska, a commercial bank, provides various banking products and services for business, industry, and individual customers primarily in Alaska. The company offers savings and checking accounts; money market deposits and safe deposit services; certificates of deposit; individual retirement accounts; and personal, home equity, and construction loans, as well as loans for stability and growth. It also provides cash, trust, investment, and wealth management; bankcard; and escrow and contract collection, and merchant services. In addition, the company offers debit and credit cards, online and mobile banking, and convenience banking services. It operates through 27 branches. The company was founded in 1922 and is headquartered in Anchorage, Alaska.
阿拉斯加第一國民銀行是一家商業銀行，主要為阿拉斯加的企業、行業和個人客户提供各種銀行產品和服務。該公司提供儲蓄和支票賬户；貨幣市場存款和安全存款服務；存單；個人退休賬户；個人、房屋淨值和建築貸款，以及穩定和增長貸款。它還提供現金、信託、投資和財富管理；銀行卡；以及託管和合同收款，以及商户服務。此外，該公司還提供借記卡和信用卡、在線和手機銀行以及便利銀行服務。它通過27個分支機構運營。該公司成立於1922年，總部設在阿拉斯加的安克雷奇。
About Pacific Premier Bancorp
關於太平洋總理銀行
(Get Rating)
(獲取評級)
Pacific Premier Bancorp, Inc. operates as the bank holding company for Pacific Premier Bank that provides banking services to businesses, professionals, real estate investors, and non-profit organizations. The company accepts deposit products, such as checking, money market, and savings accounts; and certificates of deposit. Its loan portfolio includes commercial real estate owner and non-owner-occupied, multifamily, construction and land, franchise real estate secured, small business administration (SBA), and SBA paycheck protection program loans; revolving lines or credit, term loans, seasonal loans, and loans secured by liquid collateral; one-to-four family and home equity lines of credit loans; and savings account secured loans and auto loans. The company also offers cash management, electronic banking, treasury 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.
Pacific Premier Bancorp，Inc.是Pacific Premier Bank的銀行控股公司，為企業、專業人士、房地產投資者和非營利組織提供銀行服務。該公司接受存款產品，如支票、貨幣市場和儲蓄賬户；以及存單。其貸款組合包括商業房地產所有者和非所有者自住、多户、建築和土地、特許房地產擔保、小企業管理(SBA)和SBA工資保障計劃貸款；循環額度或信貸、定期貸款、季節性貸款和以流動抵押品擔保的貸款；一至四個家庭和房屋淨值信用額度貸款；以及儲蓄賬户擔保貸款和汽車貸款。該公司還提供現金管理、電子銀行、金庫管理和在線賬單支付服務。它在亞利桑那州、加利福尼亞州、內華達州、俄勒岡州和華盛頓州經營着61家全方位服務的存款分行。Pacific Premier Bancorp，Inc.成立於1983年，總部設在加利福尼亞州歐文。
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