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Financial Services - Banks - Regional - NASDAQ - US
$ 19.04
-1.14 %
$ 1.84 B
Market Cap
11.54
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PPBI stock under the worst case scenario is HIDDEN Compared to the current market price of 19 USD, Pacific Premier Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PPBI stock under the base case scenario is HIDDEN Compared to the current market price of 19 USD, Pacific Premier Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one PPBI stock under the best case scenario is HIDDEN Compared to the current market price of 19 USD, Pacific Premier Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PPBI

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$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.0$22.0$22.0$21.0$21.0$20.0$20.0$19.0$19.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
823 M REVENUE
86.86%
817 M OPERATING INCOME
2301.50%
159 M NET INCOME
414.72%
226 M OPERATING CASH FLOW
-9.77%
764 M INVESTING CASH FLOW
-69.08%
-1.32 B FINANCING CASH FLOW
54.36%
195 M REVENUE
43.13%
195 M OPERATING INCOME
0.00%
33.9 M NET INCOME
-5.80%
40.6 M OPERATING CASH FLOW
-35.01%
-365 M INVESTING CASH FLOW
-79.61%
-49 M FINANCING CASH FLOW
88.81%
Balance Sheet Pacific Premier Bancorp, Inc.
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Current Assets 1.87 B
Cash & Short-Term Investments 1.8 B
Receivables 68 M
Other Current Assets 0
Non-Current Assets 982 M
Long-Term Investments 0
PP&E 48.6 M
Other Non-Current Assets 934 M
63.17 %32.74 %Total Assets$2.9b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 272 M
Long-Term Debt 272 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$272.4m
EFFICIENCY
Earnings Waterfall Pacific Premier Bancorp, Inc.
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Revenue 823 M
Cost Of Revenue 0
Gross Profit 823 M
Operating Expenses 5.07 M
Operating Income 817 M
Other Expenses 659 M
Net Income 159 M
900m900m800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m00823m0823m(5m)817m(659m)159mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
99.38% OPERATING MARGIN
99.38%
19.31% NET MARGIN
19.31%
5.37% ROE
5.37%
0.89% ROA
0.89%
21.43% ROIC
21.43%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Pacific Premier Bancorp, Inc.
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450m450m400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 159 M
Depreciation & Amortization 22.8 M
Capital Expenditures 0
Stock-Based Compensation 21.7 M
Change in Working Capital 59.9 M
Others -70.4 M
Free Cash Flow 226 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Pacific Premier Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for PPBI of $31 , with forecasts ranging from a low of $26 to a high of $41 .
PPBI Lowest Price Target Wall Street Target
26 USD 36.55%
PPBI Average Price Target Wall Street Target
31 USD 62.82%
PPBI Highest Price Target Wall Street Target
41 USD 115.34%
Price
Max Price Target
Min Price Target
Average Price Target
4545404035353030252520201515May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.35% DIVIDEND YIELD
0.33 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.220.250.30.330.330.330.330.220.250.330.330.330.330.220.250.330.330.330.330.220.880.281.030.331.290.331.320.331.320.331.320.3320192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership Pacific Premier Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
536 K USD 2
6-9 MONTHS
986 K USD 2
9-12 MONTHS
110 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
1 K USD 1
9-12 MONTHS
7. News
Pacific Premier Bancorp, Inc. to Announce First Quarter 2025 Financial Results on April 24, 2025 IRVINE, Calif.--(BUSINESS WIRE)---- $PPBI #PPBI--Pacific Premier Bancorp, Inc. to Announce First Quarter 2025 Financial Results on April 24, 2025. businesswire.com - 2 weeks ago
Pacific Premier Bancorp: The Numbers Are On Its Side, But Keep An Eye On The Macroeconomic Factor (Rating Upgrade) Pacific Premier Bancorp's stock has dropped 17%, making its Tangible Book Value significantly undervalued and its dividend yield over 6%, presenting a buying opportunity. Despite macroeconomic challenges, PPBI's conservative approach, excellent capital ratios, and high-quality, low-cost deposits position it well for recovery. Loan production is showing signs of recovery, with strategic actions leading to increased new loan activity and a potential mid-single-digit growth rate in 2025. seekingalpha.com - 2 weeks ago
Pacific Premier Named as One of the Best Banks in America by Forbes IRVINE, Calif.--(BUSINESS WIRE)---- $PPBI #PPBI--Pacific Premier Named as One of the Best Banks in America by Forbes. businesswire.com - 2 months ago
Pacific Premier Bancorp, Inc. (PPBI) Q4 2024 Earnings Call Transcript Pacific Premier Bancorp, Inc. (NASDAQ:PPBI ) Q4 2024 Earnings Conference Call January 23, 2025 12:00 PM ET Company Participants Steve Gardner - Chairman & Chief Executive Officer Ron Nicolas - Chief Financial Officer Conference Call Participants Matthew Clark - Piper Sandler Gary Tenner - D.A. Davidson Chris McGratty - KBW Andrew Terrell – Stephens David Feaster - Raymond James Operator Good day, and welcome to the Pacific Premier Bancorp Fourth Quarter 2024 Earnings Conference Call. seekingalpha.com - 2 months ago
Compared to Estimates, Pacific Premier Bancorp (PPBI) Q4 Earnings: A Look at Key Metrics The headline numbers for Pacific Premier Bancorp (PPBI) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
Pacific Premier Bancorp (PPBI) Surpasses Q4 Earnings and Revenue Estimates Pacific Premier Bancorp (PPBI) came out with quarterly earnings of $0.35 per share, beating the Zacks Consensus Estimate of $0.32 per share. This compares to earnings of $0.51 per share a year ago. zacks.com - 2 months ago
Pacific Premier Bancorp, Inc. Announces Fourth Quarter 2024 Financial Results and a Quarterly Cash Dividend of $0.33 Per Share IRVINE, Calif.--(BUSINESS WIRE)---- $PPBI #PPBI--Pacific Premier Bancorp, Inc. Announces Fourth Quarter 2024 Financial Results and a Quarterly Cash Dividend of $0.33 Per Share. businesswire.com - 2 months ago
Pacific Premier Bancorp (PPBI) Q4 Earnings on the Horizon: Analysts' Insights on Key Performance Measures Looking beyond Wall Street's top -and-bottom-line estimate forecasts for Pacific Premier Bancorp (PPBI), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended December 2024. zacks.com - 2 months ago
Pacific Premier Bancorp, Inc. to Announce Fourth Quarter 2024 Financial Results on January 23, 2025 IRVINE, Calif.--(BUSINESS WIRE)---- $PPBI #PPBI--Pacific Premier Bancorp, Inc. to Announce Fourth Quarter 2024 Financial Results on January 23, 2025. businesswire.com - 3 months ago
Pacific Premier Bank Partners with FHLBank San Francisco to Award The Center by Lendistry a $100,000 Grant to Help Diverse Small Businesses Become Climate Resilient Grant will support The Center by Lendistry's “Main Street Goes Green” initiative, equipping underserved entrepreneurs with tools to thrive in a greener economy Grant will support The Center by Lendistry's “Main Street Goes Green” initiative, equipping underserved entrepreneurs with tools to thrive in a greener economy globenewswire.com - 4 months ago
Pacific Premier Bancorp, Inc. Director Rose McKinney-James Honored With the 2024 Clean Energy Education & Empowerment Lifetime Achievement Award by the U.S. Department of Energy IRVINE, Calif.--(BUSINESS WIRE)---- $PPBI #PPBI--Pacific Premier Bancorp, Inc. Director Rose McKinney-James Honored With the 2024 Clean Energy Education & Empowerment Lifetime Achievement Award. businesswire.com - 5 months ago
Pacific Premier Bancorp: Credit Risk Under Control And A TBV At A Discount PPBI's high CRE loan exposure is risky, but strong capital ratios and improving credit quality make it a buy. Despite a -10.51% YTD return, PPBI's resilience and potential for loan growth justify an upgraded rating. The bank's deposit base remains strong, and low deposit costs could improve net interest margin as rates decline. seekingalpha.com - 5 months ago
8. Profile Summary

Pacific Premier Bancorp, Inc. PPBI

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.84 B
Dividend Yield 1.35%
Description 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.
Contact 17901 Von Karman Avenue, Irvine, CA, 92614 https://www.ppbi.com
IPO Date June 25, 1997
Employees 1325
Officers Mr. Mark D. Whalen Chief Lending Officer & Senior Vice President Mr. Steven R. Gardner Chairman, President & Chief Executive Officer Mr. Ronald J. Nicolas Jr. Senior EVice President & Chief Financial Officer Ms. Lori R. Wright CPA Senior EVice President & Deputy Chief Financial Officer Mr. Steven R. Arnold J.D. Corporate Secretary Ms. Tamara Beth Wendoll M.B.A. Senior EVice President and President of Pacific Premier Trust Mr. Matthew J. Lazzaro Senior Vice President & Director of Investor Relations