PACIFIC PREMIER BANCORP INC (PPBI) Fundamental Analysis & Valuation

NASDAQ:PPBI • US69478X1054

Current stock price

24.49 USD
+0.08 (+0.33%)
At close:
24.52 USD
+0.03 (+0.12%)
After Hours:

This PPBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PPBI Profitability Analysis

1.1 Basic Checks

  • PPBI had positive earnings in the past year.
  • In the past year PPBI had a positive cash flow from operations.
  • PPBI had positive earnings in each of the past 5 years.
  • 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

  • The Return On Assets of PPBI (0.76%) is comparable to the rest of the industry.
  • 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 has a Profit Margin of 23.20%. This is comparable 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.
  • 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) 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

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3

2. PPBI Health Analysis

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.
  • PPBI has a better debt/assets ratio than last year.
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.
  • With a decent Debt to FCF ratio value of 0.70, PPBI is doing good in the industry, outperforming 79.80% of the companies in the same industry.
  • PPBI has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • PPBI has a better Debt to Equity ratio (0.04) than 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

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

3

3. PPBI Growth Analysis

3.1 Past

  • The earnings per share for PPBI have decreased strongly by -21.47% in the last year.
  • The Earnings Per Share has been decreasing by -9.01% on average over the past years.
  • PPBI shows a strong growth in Revenue. In the last year, the Revenue has grown by 43.63%.
  • The Revenue has been growing slightly by 5.14% on average over the past years.
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

  • Based on estimates for the next years, PPBI will show a decrease in Earnings Per Share. The EPS will decrease by -2.58% on average per year.
  • Based on estimates for the next years, PPBI will show a small growth in Revenue. The Revenue will grow by 1.90% on average per year.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

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2

4. PPBI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.33 indicates a correct valuation of PPBI.
  • Based on the Price/Earnings ratio, PPBI is valued a bit more expensive than the industry average as 71.46% of the companies are valued more cheaply.
  • PPBI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.70.
  • A Price/Forward Earnings ratio of 15.73 indicates a correct valuation of PPBI.
  • 74.24% of the companies in the same industry are cheaper than PPBI, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, PPBI is valued a bit cheaper.
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

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

6

5. PPBI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.39%, PPBI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.86, 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 1.82, PPBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.39%

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.
  • 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

  • 94.19% 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.
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

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PPBI Fundamentals: All Metrics, Ratios and Statistics

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-91.34%
Ins Owners2.26%
Ins Owner Change0%
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 Fundamental Analysis 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.