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PACIFIC PREMIER BANCORP INC (PPBI) Stock Fundamental Analysis

NASDAQ:PPBI - Nasdaq - US69478X1054 - Common Stock - Currency: USD

21.2  -0.2 (-0.93%)

After market: 21.2 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PPBI. PPBI was compared to 395 industry peers in the Banks industry. PPBI has a bad profitability rating. Also its financial health evaluation is rather negative. PPBI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year PPBI was profitable.
PPBI had a positive operating cash flow in the past year.
Each year in the past 5 years PPBI has been profitable.
PPBI had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

PPBI has a Return On Assets (0.80%) which is comparable to the rest of the industry.
The Return On Equity of PPBI (4.89%) is worse than 77.97% of its industry peers.
Industry RankSector Rank
ROA 0.8%
ROE 4.89%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PPBI has a Profit Margin (24.44%) which is in line with its industry peers.
PPBI's Profit Margin has declined in the last couple of years.
PPBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.44%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

2. Health

2.1 Basic Checks

PPBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
PPBI has more shares outstanding than it did 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

The Debt to FCF ratio of PPBI is 1.45, which is an excellent value as it means it would take PPBI, only 1.45 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.45, PPBI is in the better half of the industry, outperforming 63.04% of the companies in the same industry.
A Debt/Equity ratio of 0.09 indicates that PPBI is not too dependend on debt financing.
The Debt to Equity ratio of PPBI (0.09) is better than 73.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.45
Altman-Z N/A
ROIC/WACCN/A
WACC16.1%
PPBI Yearly LT Debt VS Equity VS FCFPPBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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3

3. Growth

3.1 Past

The earnings per share for PPBI have decreased strongly by -26.92% 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.
The Revenue has grown by 37.37% in the past year. This is a very strong growth!
PPBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.14% yearly.
EPS 1Y (TTM)-26.92%
EPS 3Y-22.84%
EPS 5Y-9.01%
EPS Q2Q%-24.49%
Revenue 1Y (TTM)37.37%
Revenue growth 3Y-6.99%
Revenue growth 5Y5.14%
Sales Q2Q%-14.99%

3.2 Future

Based on estimates for the next years, PPBI will show a decrease in Earnings Per Share. The EPS will decrease by -2.74% on average per year.
The Revenue is expected to grow by 1.30% on average over the next years.
EPS Next Y-15.04%
EPS Next 2Y-2.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4%
Revenue Next 2Y1.3%
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.95, which indicates a correct valuation of PPBI.
Based on the Price/Earnings ratio, PPBI is valued a bit more expensive than 65.57% of the companies in the same industry.
When comparing the Price/Earnings ratio of PPBI to the average of the S&P500 Index (26.25), we can say PPBI is valued slightly cheaper.
PPBI is valuated correctly with a Price/Forward Earnings ratio of 13.67.
Based on the Price/Forward Earnings ratio, PPBI is valued a bit more expensive than the industry average as 72.66% of the companies are valued more cheaply.
PPBI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.15.
Industry RankSector Rank
PE 13.95
Fwd PE 13.67
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PPBI is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 10.97
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

A cheap valuation may be justified as PPBI's earnings are expected to decrease with -2.74% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.74%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.22%, PPBI is a good candidate for dividend investing.
PPBI's Dividend Yield is rather good when compared to the industry average which is at 3.45. PPBI pays more dividend than 94.18% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, PPBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.22%

5.2 History

On average, the dividend of PPBI grows each year by 8.39%, which is quite nice.
PPBI has been paying a dividend for over 5 years, so it has already some track record.
As PPBI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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

87.74% of the earnings are spent on dividend by PPBI. This is not a sustainable payout ratio.
The Dividend Rate of PPBI has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP87.74%
EPS Next 2Y-2.74%
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 2015 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

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PACIFIC PREMIER BANCORP INC

NASDAQ:PPBI (5/30/2025, 8:27:09 PM)

After market: 21.2 0 (0%)

21.2

-0.2 (-0.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/bmo
Inst Owners96.55%
Inst Owner Change0.88%
Ins Owners2.15%
Ins Owner Change10.93%
Market Cap2.06B
Analysts75
Price Target26.21 (23.63%)
Short Float %1.54%
Short Ratio1.42
Dividend
Industry RankSector Rank
Dividend Yield 6.22%
Yearly Dividend1.32
Dividend Growth(5Y)8.39%
DP87.74%
Div Incr Years0
Div Non Decr Years5
Ex-Date05-05 2025-05-05 (0.33)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.26%
Min EPS beat(2)9.28%
Max EPS beat(2)21.25%
EPS beat(4)2
Avg EPS beat(4)6.31%
Min EPS beat(4)-3.45%
Max EPS beat(4)21.25%
EPS beat(8)5
Avg EPS beat(8)2.27%
EPS beat(12)5
Avg EPS beat(12)0.71%
EPS beat(16)8
Avg EPS beat(16)3.6%
Revenue beat(2)0
Avg Revenue beat(2)-2.53%
Min Revenue beat(2)-3.7%
Max Revenue beat(2)-1.35%
Revenue beat(4)0
Avg Revenue beat(4)-5.29%
Min Revenue beat(4)-8.26%
Max Revenue beat(4)-1.35%
Revenue beat(8)0
Avg Revenue beat(8)-4.7%
Revenue beat(12)3
Avg Revenue beat(12)-1.12%
Revenue beat(16)7
Avg Revenue beat(16)2.11%
PT rev (1m)-6.3%
PT rev (3m)-9.6%
EPS NQ rev (1m)2.11%
EPS NQ rev (3m)1.58%
EPS NY rev (1m)5.08%
EPS NY rev (3m)4.54%
Revenue NQ rev (1m)3.31%
Revenue NQ rev (3m)3.07%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)-0.05%
Valuation
Industry RankSector Rank
PE 13.95
Fwd PE 13.67
P/S 3.47
P/FCF 10.97
P/OCF 10.76
P/B 0.69
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)1.52
EY7.17%
EPS(NY)1.55
Fwd EY7.32%
FCF(TTM)1.93
FCFY9.11%
OCF(TTM)1.97
OCFY9.29%
SpS6.12
BVpS30.57
TBVpS20.98
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 4.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.44%
GM N/A
FCFM 31.58%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.45
Debt/EBITDA N/A
Cap/Depr 16.34%
Cap/Sales 0.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.1%
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)-26.92%
EPS 3Y-22.84%
EPS 5Y-9.01%
EPS Q2Q%-24.49%
EPS Next Y-15.04%
EPS Next 2Y-2.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)37.37%
Revenue growth 3Y-6.99%
Revenue growth 5Y5.14%
Sales Q2Q%-14.99%
Revenue Next Year-4%
Revenue Next 2Y1.3%
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-45.82%
FCF growth 3Y-10.51%
FCF growth 5Y6.33%
OCF growth 1Y-45.97%
OCF growth 3Y-10.9%
OCF growth 5Y4.39%