PACIFIC PREMIER BANCORP INC (PPBI) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:PPBI • US69478X1054

24.49 USD
+0.08 (+0.33%)
At close: Aug 29, 2025
24.52 USD
+0.03 (+0.12%)
After Hours: 8/29/2025, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, PPBI scores 3 out of 10 in our fundamental rating. PPBI was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of PPBI have multiple concerns. PPBI does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • PPBI had positive earnings in the past year.
  • PPBI had a positive operating cash flow in the past year.
  • In the past 5 years PPBI has always been profitable.
  • Each year in the past 5 years PPBI had a positive operating cash flow.
PPBI Yearly Net Income VS EBIT VS OCF VS FCFPPBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

  • PPBI has a Return On Assets (0.76%) which is in line with its industry peers.
  • The Return On Equity of PPBI (4.55%) is worse than 76.77% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 4.55%
ROIC N/A
ROA(3y)0.77%
ROA(5y)0.84%
ROE(3y)5.43%
ROE(5y)6.02%
ROIC(3y)N/A
ROIC(5y)N/A
PPBI Yearly ROA, ROE, ROICPPBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • PPBI's Profit Margin of 23.20% is in line compared to the rest of the industry. PPBI outperforms 48.74% of its industry peers.
  • PPBI's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for PPBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.2%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.79%
PM growth 5Y-5.15%
GM growth 3YN/A
GM growth 5YN/A
PPBI Yearly Profit, Operating, Gross MarginsPPBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • PPBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PPBI has been increased compared to 1 year ago.
  • PPBI has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PPBI has an improved debt to assets ratio.
PPBI Yearly Shares OutstandingPPBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
PPBI Yearly Total Debt VS Total AssetsPPBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

  • PPBI has a debt to FCF ratio of 0.70. This is a very positive value and a sign of high solvency as it would only need 0.70 years to pay back of all of its debts.
  • PPBI has a Debt to FCF ratio of 0.70. This is in the better half of the industry: PPBI outperforms 79.80% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that PPBI is not too dependend on debt financing.
  • PPBI's Debt to Equity ratio of 0.04 is amongst the best of the industry. PPBI outperforms 82.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.7
Altman-Z N/A
ROIC/WACCN/A
WACC15.1%
PPBI Yearly LT Debt VS Equity VS FCFPPBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PPBI Yearly Current Assets VS Current LiabilitesPPBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for PPBI have decreased strongly by -21.47% in the last year.
  • Measured over the past years, PPBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.01% on average per year.
  • Looking at the last year, PPBI shows a very strong growth in Revenue. The Revenue has grown by 43.63%.
  • PPBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.14% yearly.
EPS 1Y (TTM)-21.47%
EPS 3Y-22.84%
EPS 5Y-9.01%
EPS Q2Q%-4.65%
Revenue 1Y (TTM)43.63%
Revenue growth 3Y-6.99%
Revenue growth 5Y5.14%
Sales Q2Q%-7.07%

3.2 Future

  • PPBI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.58% yearly.
  • PPBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.90% yearly.
EPS Next Y-8.78%
EPS Next 2Y-2.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.99%
Revenue Next 2Y1.9%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PPBI Yearly Revenue VS EstimatesPPBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
PPBI Yearly EPS VS EstimatesPPBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.33, which indicates a correct valuation of PPBI.
  • PPBI's Price/Earnings ratio is a bit more expensive when compared to the industry. PPBI is more expensive than 71.46% of the companies in the same industry.
  • PPBI is valuated rather cheaply when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 15.73 indicates a correct valuation of PPBI.
  • PPBI's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PPBI is more expensive than 74.24% of the companies in the same industry.
  • PPBI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.33
Fwd PE 15.73
PPBI Price Earnings VS Forward Price EarningsPPBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as PPBI.
Industry RankSector Rank
P/FCF 13.48
EV/EBITDA N/A
PPBI Per share dataPPBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • PPBI's earnings are expected to decrease with -2.58% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.58%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • PPBI has a Yearly Dividend Yield of 5.39%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.53, PPBI pays a better dividend. On top of this PPBI pays more dividend than 85.35% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, PPBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.39%

5.2 History

  • The dividend of PPBI is nicely growing with an annual growth rate of 8.39%!
  • PPBI has been paying a dividend for over 5 years, so it has already some track record.
  • PPBI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)8.39%
Div Incr Years0
Div Non Decr Years5
PPBI Yearly Dividends per sharePPBI Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • PPBI pays out 94.19% of its income as dividend. This is not a sustainable payout ratio.
  • PPBI's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP94.19%
EPS Next 2Y-2.58%
EPS Next 3YN/A
PPBI Yearly Income VS Free CF VS DividendPPBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
PPBI Dividend Payout.PPBI Dividend Payout, showing the Payout Ratio.PPBI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PACIFIC PREMIER BANCORP INC

NASDAQ:PPBI (8/29/2025, 8:00:01 PM)

After market: 24.52 +0.03 (+0.12%)

24.49

+0.08 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24
Earnings (Next)10-22
Inst Owners95.57%
Inst Owner Change-43.28%
Ins Owners2.26%
Ins Owner Change-126.77%
Market Cap2.38B
Revenue(TTM)583.42M
Net Income(TTM)135.37M
Analysts76.36
Price Target26.9 (9.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.39%
Yearly Dividend1.32
Dividend Growth(5Y)8.39%
DP94.19%
Div Incr Years0
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.62%
Min EPS beat(2)21.25%
Max EPS beat(2)23.99%
EPS beat(4)3
Avg EPS beat(4)12.77%
Min EPS beat(4)-3.45%
Max EPS beat(4)23.99%
EPS beat(8)5
Avg EPS beat(8)5.06%
EPS beat(12)6
Avg EPS beat(12)2.7%
EPS beat(16)8
Avg EPS beat(16)2.61%
Revenue beat(2)0
Avg Revenue beat(2)-2.87%
Min Revenue beat(2)-4.39%
Max Revenue beat(2)-1.35%
Revenue beat(4)0
Avg Revenue beat(4)-4.32%
Min Revenue beat(4)-7.84%
Max Revenue beat(4)-1.35%
Revenue beat(8)0
Avg Revenue beat(8)-4.91%
Revenue beat(12)2
Avg Revenue beat(12)-2.56%
Revenue beat(16)6
Avg Revenue beat(16)1.23%
PT rev (1m)2.63%
PT rev (3m)2.63%
EPS NQ rev (1m)-0.92%
EPS NQ rev (3m)6.98%
EPS NY rev (1m)7.06%
EPS NY rev (3m)7.37%
Revenue NQ rev (1m)1.35%
Revenue NQ rev (3m)3.38%
Revenue NY rev (1m)2.01%
Revenue NY rev (3m)2.1%
Valuation
Industry RankSector Rank
PE 16.33
Fwd PE 15.73
P/S 4.07
P/FCF 13.48
P/OCF 13.14
P/B 0.8
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)1.5
EY6.12%
EPS(NY)1.56
Fwd EY6.36%
FCF(TTM)1.82
FCFY7.42%
OCF(TTM)1.86
OCFY7.61%
SpS6.02
BVpS30.68
TBVpS21.11
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 4.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.2%
GM N/A
FCFM 30.21%
ROA(3y)0.77%
ROA(5y)0.84%
ROE(3y)5.43%
ROE(5y)6.02%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.79%
PM growth 5Y-5.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.7
Debt/EBITDA N/A
Cap/Depr 21.25%
Cap/Sales 0.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 130.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.1%
ROIC/WACCN/A
Cap/Depr(3y)22.45%
Cap/Depr(5y)26.8%
Cap/Sales(3y)1%
Cap/Sales(5y)1.2%
Profit Quality(3y)378.53%
Profit Quality(5y)313.02%
High Growth Momentum
Growth
EPS 1Y (TTM)-21.47%
EPS 3Y-22.84%
EPS 5Y-9.01%
EPS Q2Q%-4.65%
EPS Next Y-8.78%
EPS Next 2Y-2.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)43.63%
Revenue growth 3Y-6.99%
Revenue growth 5Y5.14%
Sales Q2Q%-7.07%
Revenue Next Year-1.99%
Revenue Next 2Y1.9%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-52.29%
FCF growth 3Y-10.51%
FCF growth 5Y6.33%
OCF growth 1Y-52.03%
OCF growth 3Y-10.9%
OCF growth 5Y4.39%

PACIFIC PREMIER BANCORP INC / PPBI FAQ

What is the ChartMill fundamental rating of PACIFIC PREMIER BANCORP INC (PPBI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to PPBI.


What is the valuation status of PACIFIC PREMIER BANCORP INC (PPBI) stock?

ChartMill assigns a valuation rating of 2 / 10 to PACIFIC PREMIER BANCORP INC (PPBI). This can be considered as Overvalued.


What is the profitability of PPBI stock?

PACIFIC PREMIER BANCORP INC (PPBI) has a profitability rating of 3 / 10.


What is the financial health of PACIFIC PREMIER BANCORP INC (PPBI) stock?

The financial health rating of PACIFIC PREMIER BANCORP INC (PPBI) is 3 / 10.


What is the expected EPS growth for PACIFIC PREMIER BANCORP INC (PPBI) stock?

The Earnings per Share (EPS) of PACIFIC PREMIER BANCORP INC (PPBI) is expected to decline by -8.78% in the next year.