(PPBI) Pacific Premier Bancorp - Ratings and Ratios
Commercial Loans, Treasury Services, Consumer Deposits
PPBI EPS (Earnings per Share)
PPBI Revenue
Description: PPBI Pacific Premier Bancorp
Pacific Premier Bancorp Inc (NASDAQ:PPBI) is a regional bank holding company operating in the United States. As a Regional Bank, PPBIs performance is closely tied to the overall health of the US economy, particularly to interest rates, housing market trends, and consumer spending.
The companys Income Tax Expense is a critical component of its financial statements, influencing its Net Income and, subsequently, its ability to retain earnings and invest in growth opportunities. A thorough analysis of PPBIs tax expense would involve examining its effective tax rate, comparing it to industry peers, and assessing the impact of any changes in tax legislation or regulations.
Key Performance Indicators (KPIs) to monitor for PPBI include its Return on Equity (RoE) of 4.66%, which indicates the banks ability to generate profits from shareholders equity. Additionally, the Price-to-Earnings (P/E) ratio of 14.81 and Forward P/E of 15.92 provide insights into the markets expectations for the companys future earnings growth. Other important metrics include the Net Interest Margin (NIM), Efficiency Ratio, and Loan-to-Deposit Ratio, which can help assess the banks profitability, operational efficiency, and liquidity.
Economic drivers that significantly impact PPBIs business include interest rate movements, as they affect the banks NIM and, consequently, its profitability. The US housing market, consumer confidence, and overall economic growth also play crucial roles in shaping the banks performance, particularly in terms of loan demand and credit quality.
PPBI Stock Overview
| Market Cap in USD | 2,389m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1997-06-25 |
PPBI Stock Ratings
| Growth Rating | -18.1% |
| Fundamental | 49.2% |
| Dividend Rating | 69.4% |
| Return 12m vs S&P 500 | -13.3% |
| Analyst Rating | 3.40 of 5 |
PPBI Dividends
| Dividend Yield 12m | 5.58% |
| Yield on Cost 5y | 7.41% |
| Annual Growth 5y | 5.09% |
| Payout Consistency | 98.6% |
| Payout Ratio | 88.3% |
PPBI Growth Ratios
| Growth Correlation 3m | 77.4% |
| Growth Correlation 12m | -57% |
| Growth Correlation 5y | -51.3% |
| CAGR 5y | 6.60% |
| CAGR/Max DD 5y | 0.11 |
| Sharpe Ratio 12m | -0.53 |
| Alpha | -15.42 |
| Beta | 0.935 |
| Volatility | 33.15% |
| Current Volume | 19566.7k |
| Average Volume 20d | 915.7k |
| Stop Loss | 23.7 (-3.2%) |
| Signal | -0.35 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (138.0m TTM) > 0 and > 6% of Revenue (6% = 48.1m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.07pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1581 % (prev -1923 %; Δ 341.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 180.8m > Net Income 138.0m (YES >=105%, WARN >=100%) |
| Net Debt (124.0m) to EBITDA (204.1m) ratio: 0.61 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (95.0m) change vs 12m ago 0.27% (target <= -2.0% for YES) |
| Gross Margin 66.85% (prev 53.93%; Δ 12.92pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.44% (prev 3.50%; Δ 0.94pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.67 (EBITDA TTM 204.1m / Interest Expense TTM 272.0m) >= 6 (WARN >= 3) |
Altman Z'' -4.45
| (A) -0.71 = (Total Current Assets 1.82b - Total Current Liabilities 14.50b) / Total Assets 17.78b |
| (B) 0.04 = Retained Earnings (Balance) 639.2m / Total Assets 17.78b |
| (C) 0.01 = EBIT TTM 182.5m / Avg Total Assets 18.06b |
| (D) 0.04 = Book Value of Equity 574.9m / Total Liabilities 14.81b |
| Total Rating: -4.45 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 49.24
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 1.15% = 0.58 |
| 3. FCF Margin 21.98% = 5.50 |
| 4. Debt/Equity 4.91 = -2.50 |
| 5. Debt/Ebitda 71.64 = -2.50 |
| 6. ROIC - WACC 2.67% = 3.33 |
| 7. RoE 4.66% = 0.39 |
| 8. Rev. Trend 2.47% = 0.12 |
| 9. Rev. CAGR -3.75% = -0.62 |
| 10. EPS Trend -22.33% = -0.56 |
| 11. EPS CAGR -26.23% = -2.50 |
What is the price of PPBI shares?
Over the past week, the price has changed by +0.76%, over one month by +12.17%, over three months by +16.20% and over the past year by +1.36%.
Is Pacific Premier Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PPBI is around 25.66 USD . This means that PPBI is currently overvalued and has a potential downside of 4.78%.
Is PPBI a buy, sell or hold?
- Strong Buy: 0
- Buy: 2
- Hold: 3
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the PPBI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 24.4 | -0.4% |
| Analysts Target Price | 24.4 | -0.4% |
| ValueRay Target Price | 27.1 | 10.5% |
Last update: 2025-08-30 04:53
PPBI Fundamental Data Overview
CCE Cash And Equivalents = 1.69b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 17.1901
P/E Forward = 15.9236
P/S = 4.0886
P/B = 0.7957
P/EG = 2.98
Beta = 1.149
Revenue TTM = 801.9m USD
EBIT TTM = 182.5m USD
EBITDA TTM = 204.1m USD
Long Term Debt = 124.0m USD (from longTermDebt, last quarter)
Short Term Debt = 14.50b USD (from totalCurrentLiabilities, last quarter)
Debt = 14.62b USD (Calculated: Short Term 14.50b + Long Term 124.0m)
Net Debt = 124.0m USD (from netDebt column, last quarter)
Enterprise Value = 15.32b USD (2.39b + Debt 14.62b - CCE 1.69b)
Interest Coverage Ratio = 0.67 (Ebit TTM 182.5m / Interest Expense TTM 272.0m)
FCF Yield = 1.15% (FCF TTM 176.3m / Enterprise Value 15.32b)
FCF Margin = 21.98% (FCF TTM 176.3m / Revenue TTM 801.9m)
Net Margin = 17.20% (Net Income TTM 138.0m / Revenue TTM 801.9m)
Gross Margin = 66.85% ((Revenue TTM 801.9m - Cost of Revenue TTM 265.8m) / Revenue TTM)
Tobins Q-Ratio = 26.65 (Enterprise Value 15.32b / Book Value Of Equity 574.9m)
Interest Expense / Debt = 0.43% (Interest Expense 62.4m / Debt 14.62b)
Taxrate = 25.26% (from yearly Income Tax Expense: 53.7m / 212.5m)
NOPAT = 136.4m (EBIT 182.5m * (1 - 25.26%))
Current Ratio = 0.13 (Total Current Assets 1.82b / Total Current Liabilities 14.50b)
Debt / Equity = 4.91 (Debt 14.62b / last Quarter total Stockholder Equity 2.98b)
Debt / EBITDA = 71.64 (Net Debt 124.0m / EBITDA 204.1m)
Debt / FCF = 82.96 (Debt 14.62b / FCF TTM 176.3m)
Total Stockholder Equity = 2.96b (last 4 quarters mean)
RoA = 0.78% (Net Income 138.0m, Total Assets 17.78b )
RoE = 4.66% (Net Income TTM 138.0m / Total Stockholder Equity 2.96b)
RoCE = 5.92% (Ebit 182.5m / (Equity 2.96b + L.T.Debt 124.0m))
RoIC = 4.27% (NOPAT 136.4m / Invested Capital 3.20b)
WACC = 1.60% (E(2.39b)/V(17.01b) * Re(9.46%)) + (D(14.62b)/V(17.01b) * Rd(0.43%) * (1-Tc(0.25)))
Shares Correlation 5-Years: 100.0 | Cagr: 0.28%
Discount Rate = 9.46% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 71.61% ; FCFE base≈183.2m ; Y1≈167.1m ; Y5≈147.4m
Fair Price DCF = 21.53 (DCF Value 2.09b / Shares Outstanding 97.0m; 5y FCF grow -11.02% → 3.0% )
Revenue Correlation: 2.47 | Revenue CAGR: -3.75%
Rev Growth-of-Growth: 67.16
EPS Correlation: -22.33 | EPS CAGR: -26.23%
EPS Growth-of-Growth: 80.59
Additional Sources for PPBI Stock
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