Overview Dividends

(PPBI) Pacific Premier Bancorp - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US69478X1054

Commercial Loans, Treasury Services, Consumer Deposits

PPBI EPS (Earnings per Share)

EPS Growth (3Y CAGR): -24.18%
EPS Growth Momentum (3Y): 34.7%

PPBI Revenue

Revenue Growth (3Y CAGR): -5.30%
Revenue Growth Momentum (3Y): -21.7%

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	2,055m
Sector	Financial Services
Industry	Banks - Regional
GiC Sub-Industry	Regional Banks
IPO / Inception	1997-06-25

PPBI Stock Ratings

Growth Rating	-21.8
Fundamental	49.2%
Dividend Rating	70.0
Rel. Strength	-25.2
Analysts	3.40 of 5
Fair Price Momentum	20.95 USD
Fair Price DCF	23.58 USD

PPBI Dividends

Dividend Yield 12m	5.92%
Yield on Cost 5y	7.26%
Annual Growth 5y	5.09%
Payout Consistency	98.6%
Payout Ratio	88.3%

PPBI Growth Ratios

Growth Correlation 3m	18.6%
Growth Correlation 12m	-66.4%
Growth Correlation 5y	-46.5%
CAGR 5y	3.60%
CAGR/Max DD 5y	0.06
Sharpe Ratio 12m	-0.79
Alpha	-27.23
Beta	0.935
Volatility	36.10%
Current Volume	705.1k
Average Volume 20d	1129.6k
Stop Loss	21 (-3.3%)

What is the price of PPBI shares?
As of August 10, 2025, the stock is trading at USD 21.72 with a total of 705,114 shares traded.
Over the past week, the price has changed by +4.13%, over one month by -3.44%, over three months by +3.40% and over the past year by -6.78%.

Is Pacific Premier Bancorp a good stock to buy?
No, based on ValueRay´s Fundamental Analyses, Pacific Premier Bancorp (NASDAQ:PPBI) is currently (August 2025) a stock to sell. It has a ValueRay Fundamental Rating of 49.20 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PPBI is around 20.95 USD . This means that PPBI is currently overvalued and has a potential downside of -3.55%.

Is PPBI a buy, sell or hold?
Pacific Premier Bancorp has received a consensus analysts rating of 3.40. Therefor, it is recommend to hold PPBI.

Strong Buy: 0
Buy: 2
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts for PPBI share price target?
According to our own proprietary Forecast Model, PPBI Pacific Premier Bancorp will be worth about 22.6 in August 2026. The stock is currently trading at 21.72. This means that the stock has a potential upside of +4.14%.

Issuer	Target	Up/Down from current
Wallstreet Target Price	25.7	18.3%
Analysts Target Price	25.7	18.3%
ValueRay Target Price	22.6	4.1%

Piotroski VR‑10 (Strict) 3.0

Net Income (138.0m TTM) > 0 and > 6% of Revenue (6% = 47.5m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.19pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1606 % (prev -1923 %; Δ 316.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 190.9m > Net Income 138.0m (YES >=105%, WARN >=100%)

Net Debt (124.0m) to EBITDA (256.1m) ratio: 0.48 <= 3.0 (WARN <= 3.5)

Current Ratio 0.12 (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 66.39% (prev 53.93%; Δ 12.46pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.38% (prev 3.50%; Δ 0.88pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.90 (EBITDA TTM 256.1m / Interest Expense TTM 272.0m) >= 6 (WARN >= 3)

Altman Z'' -4.44

(A) -0.71 = (Total Current Assets 1.76b - Total Current Liabilities 14.46b) / Total Assets 17.78b

(B) 0.04 = Retained Earnings (Balance) 639.2m / Total Assets 17.78b

(D) 0.04 = Book Value of Equity 574.9m / Total Liabilities 14.81b

Total Rating: -4.44 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay Score 49.20

1. Piotroski 3.0pt = -2.0

2. FCF Yield 1.24% = 0.62

3. FCF Margin 23.67% = 3.95

4. Debt/Equity 4.95 = -2.50

5. Debt/Ebitda 57.54 = -2.50

6. ROIC - WACC 4.24% = 4.24

7. RoE 4.66% = 0.78

9. Rev. CAGR -5.30% = -0.88

11. EPS CAGR -24.18% = -2.50

PPBI Fundamental Data Overview

Market Cap USD = 2.06b (2.06b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 1.69b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 14.8112
P/E Forward = 15.9236
P/S = 3.5176
P/B = 0.6903
P/EG = 2.98
Beta = 1.12
Revenue TTM = 791.0m USD
EBIT TTM = 245.0m USD
EBITDA TTM = 256.1m USD
Long Term Debt = 272.4m USD (from longTermDebt, last fiscal year)
Short Term Debt = 14.46b USD (from totalCurrentLiabilities, last fiscal year)
Debt = 14.74b USD (Calculated: Short Term 14.46b + Long Term 272.4m)
Net Debt = 124.0m USD (from netDebt column, last quarter)
Enterprise Value = 15.10b USD (2.06b + Debt 14.74b - CCE 1.69b)
Interest Coverage Ratio = 0.90 (Ebit TTM 245.0m / Interest Expense TTM 272.0m)
FCF Yield = 1.24% (FCF TTM 187.2m / Enterprise Value 15.10b)
FCF Margin = 23.67% (FCF TTM 187.2m / Revenue TTM 791.0m)
Net Margin = 17.44% (Net Income TTM 138.0m / Revenue TTM 791.0m)
Gross Margin = 66.39% ((Revenue TTM 791.0m - Cost of Revenue TTM 265.8m) / Revenue TTM)
Tobins Q-Ratio = 26.27 (Enterprise Value 15.10b / Book Value Of Equity 574.9m)
Interest Expense / Debt = 0.42% (Interest Expense 62.4m / Debt 14.74b)
Taxrate = 25.26% (from yearly Income Tax Expense: 53.7m / 212.5m)
NOPAT = 183.1m (EBIT 245.0m * (1 - 25.26%))
Current Ratio = 0.12 (Total Current Assets 1.76b / Total Current Liabilities 14.46b)
Debt / Equity = 4.95 (Debt 14.74b / last Quarter total Stockholder Equity 2.98b)
Debt / EBITDA = 57.54 (Net Debt 124.0m / EBITDA 256.1m)
Debt / FCF = 78.71 (Debt 14.74b / FCF TTM 187.2m)
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 = 7.58% (Ebit 245.0m / (Equity 2.96b + L.T.Debt 272.4m))
RoIC = 5.67% (NOPAT 183.1m / Invested Capital 3.23b)
WACC = 1.44% (E(2.06b)/V(16.79b) * Re(9.46%)) + (D(14.74b)/V(16.79b) * Rd(0.42%) * (1-Tc(0.25)))
Shares Correlation 5-Years: 100.0 | Cagr: 0.23%
Discount Rate = 9.46% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 71.26% ; FCFE base≈203.3m ; Y1≈185.4m ; Y5≈163.3m
Fair Price DCF = 23.58 (DCF Value 2.29b / Shares Outstanding 97.0m; 5y FCF grow -10.98% → 2.90% )
Revenue Correlation: N/A | Revenue CAGR: -5.30%
Revenue Growth Correlation: -21.66%
EPS Correlation: N/A | EPS CAGR: -24.18%
EPS Growth Correlation: 34.70%

Additional Sources for PPBI Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle