Pacific Premier Bancorp, Inc. Logo

Pacific Premier Bancorp, Inc.

PPBI

(3.0)
Stock Price

25,74 USD

1.24% ROA

1.08% ROE

10.91x PER

Market Cap.

2.665.061.000,00 USD

39.63% DER

4.75% Yield

3.89% NPM

Pacific Premier Bancorp, Inc. Stock Analysis

Pacific Premier Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Pacific Premier Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.74x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (40%), which means it has a small amount of debt compared to the ownership it holds

3 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

5 ROE

The stock's ROE falls within an average range (8.47%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (1.24%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (119), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Pacific Premier Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Pacific Premier Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Pacific Premier Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Pacific Premier Bancorp, Inc. Revenue
Year Revenue Growth
1997 39.600.000
1998 32.400.000 -22.22%
1999 37.700.000 14.06%
2000 13.106.000 -187.65%
2001 12.243.000 -7.05%
2002 11.831.000 -3.48%
2003 11.906.000 0.63%
2004 19.652.000 39.42%
2005 21.266.000 7.59%
2006 23.640.000 10.04%
2007 24.625.000 4%
2008 18.946.000 -29.97%
2009 25.912.000 26.88%
2010 28.448.000 8.91%
2011 47.759.000 40.43%
2012 58.370.000 18.18%
2013 64.428.000 9.4%
2014 83.200.000 22.56%
2015 115.829.000 28.17%
2016 165.564.000 30.04%
2017 269.077.000 38.47%
2018 410.452.000 34.44%
2019 463.192.000 11.39%
2020 622.305.000 25.57%
2021 750.101.000 17.04%
2022 762.602.000 1.64%
2023 896.248.000 14.91%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Pacific Premier Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Pacific Premier Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 9.200.000
1998 11.600.000 20.69%
1999 12.400.000 6.45%
2000 10.848.000 -14.31%
2001 5.448.000 -99.12%
2002 4.448.000 -22.48%
2003 5.041.000 11.76%
2004 6.850.000 26.41%
2005 7.612.000 10.01%
2006 9.231.000 17.54%
2007 10.479.000 11.91%
2008 8.986.000 -16.61%
2009 11.154.000 19.44%
2010 12.211.000 8.66%
2011 17.780.000 31.32%
2012 20.115.000 11.61%
2013 28.160.000 28.57%
2014 33.872.000 16.86%
2015 44.653.000 24.14%
2016 60.744.000 26.49%
2017 86.289.000 29.6%
2018 132.888.000 35.07%
2019 139.951.000 5.05%
2020 184.023.000 23.95%
2021 220.964.000 16.72%
2022 231.017.000 4.35%
2023 225.568.000 -2.42%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Pacific Premier Bancorp, Inc. EBITDA
Year EBITDA Growth
1997 34.200.000
1998 29.300.000 -16.72%
1999 3.400.000 -761.76%
2000 13.707.000 75.2%
2001 12.000.000 -14.23%
2002 10.283.000 -16.7%
2003 9.635.000 -6.73%
2004 15.976.000 39.69%
2005 25.572.000 37.53%
2006 35.413.000 27.79%
2007 37.704.000 6.08%
2008 26.962.000 -39.84%
2009 20.724.000 -30.1%
2010 19.978.000 -3.73%
2011 27.782.000 28.09%
2012 34.272.000 18.94%
2013 21.884.000 -56.61%
2014 37.237.000 41.23%
2015 56.563.000 34.17%
2016 83.741.000 32.45%
2017 135.761.000 38.32%
2018 242.659.000 44.05%
2019 234.998.000 -3.26%
2020 89.673.000 -162.06%
2021 476.759.000 81.19%
2022 469.807.000 -1.48%
2023 247.984.000 -89.45%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Pacific Premier Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1997 39.600.000
1998 32.400.000 -22.22%
1999 37.700.000 14.06%
2000 13.106.000 -187.65%
2001 12.243.000 -7.05%
2002 11.831.000 -3.48%
2003 11.906.000 0.63%
2004 19.652.000 39.42%
2005 21.266.000 7.59%
2006 23.640.000 10.04%
2007 24.625.000 4%
2008 18.946.000 -29.97%
2009 25.912.000 26.88%
2010 28.448.000 8.91%
2011 47.759.000 40.43%
2012 58.370.000 18.18%
2013 64.428.000 9.4%
2014 83.200.000 22.56%
2015 115.829.000 28.17%
2016 165.564.000 30.04%
2017 269.077.000 38.47%
2018 410.452.000 34.44%
2019 463.192.000 11.39%
2020 622.305.000 25.57%
2021 750.101.000 17.04%
2022 762.602.000 1.64%
2023 896.248.000 14.91%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Pacific Premier Bancorp, Inc. Net Profit
Year Net Profit Growth
1997 12.700.000
1998 1.100.000 -1054.55%
1999 -17.800.000 106.18%
2000 -20.782.000 14.35%
2001 -6.052.000 -243.39%
2002 2.878.000 310.28%
2003 2.065.000 -39.37%
2004 6.741.000 69.37%
2005 7.221.000 6.65%
2006 7.428.000 2.79%
2007 3.619.000 -105.25%
2008 708.000 -411.16%
2009 -460.000 253.91%
2010 4.238.000 110.85%
2011 10.572.000 59.91%
2012 15.776.000 32.99%
2013 8.993.000 -75.43%
2014 16.616.000 45.88%
2015 25.515.000 34.88%
2016 40.103.000 36.38%
2017 60.100.000 33.27%
2018 123.340.000 51.27%
2019 159.718.000 22.78%
2020 60.351.000 -164.65%
2021 339.889.000 82.24%
2022 283.743.000 -19.79%
2023 184.120.000 -54.11%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Pacific Premier Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 53
1998 1 0%
1999 -68 100%
2000 -78 12.99%
2001 -5 -1825%
2002 2 300%
2003 1 0%
2004 1 100%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 2 0%
2018 2 50%
2019 3 0%
2020 1 0%
2021 4 100%
2022 3 0%
2023 2 -200%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Pacific Premier Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1997 -319.300.000
1998 -116.400.000 -174.31%
1999 -207.100.000 43.8%
2000 14.455.000 1532.72%
2001 -250.000 5882%
2002 893.000 128%
2003 4.787.000 81.35%
2004 3.384.000 -41.46%
2005 5.854.000 42.19%
2006 -1.199.000 588.24%
2007 690.000 273.77%
2008 1.575.000 56.19%
2009 5.561.000 71.68%
2010 8.901.000 37.52%
2011 9.175.000 2.99%
2012 7.644.000 -20.03%
2013 11.923.000 35.89%
2014 11.839.000 -0.71%
2015 23.361.000 49.32%
2016 51.477.000 54.62%
2017 79.834.000 35.52%
2018 288.393.000 72.32%
2019 163.856.000 -76%
2020 200.890.000 18.43%
2021 310.925.000 35.39%
2022 403.556.000 22.95%
2023 90.611.000 -345.37%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Pacific Premier Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1997 -315.500.000
1998 -112.400.000 -180.69%
1999 -206.400.000 45.54%
2000 14.455.000 1527.88%
2001 -250.000 5882%
2002 5.821.000 104.29%
2003 5.221.000 -11.49%
2004 3.765.000 -38.67%
2005 6.968.000 45.97%
2006 1.979.000 -252.1%
2007 2.150.000 7.95%
2008 2.657.000 19.08%
2009 5.728.000 53.61%
2010 9.432.000 39.27%
2011 11.997.000 21.38%
2012 12.169.000 1.41%
2013 15.504.000 21.51%
2014 13.287.000 -16.69%
2015 25.248.000 47.37%
2016 63.447.000 60.21%
2017 83.999.000 24.47%
2018 298.688.000 71.88%
2019 182.690.000 -63.49%
2020 212.298.000 13.95%
2021 320.215.000 33.7%
2022 411.032.000 22.09%
2023 92.082.000 -346.38%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Pacific Premier Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1997 3.800.000
1998 4.000.000 5%
1999 700.000 -471.43%
2000 0 0%
2001 0 0%
2002 4.928.000 100%
2003 434.000 -1035.48%
2004 381.000 -13.91%
2005 1.114.000 65.8%
2006 3.178.000 64.95%
2007 1.460.000 -117.67%
2008 1.082.000 -34.94%
2009 167.000 -547.9%
2010 531.000 68.55%
2011 2.822.000 81.18%
2012 4.525.000 37.64%
2013 3.581.000 -26.36%
2014 1.448.000 -147.31%
2015 1.887.000 23.26%
2016 11.970.000 84.24%
2017 4.165.000 -187.39%
2018 10.295.000 59.54%
2019 18.834.000 45.34%
2020 11.408.000 -65.09%
2021 9.290.000 -22.8%
2022 7.476.000 -24.26%
2023 1.471.000 -408.23%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Pacific Premier Bancorp, Inc. Equity
Year Equity Growth
1997 54.800.000
1998 52.000.000 -5.38%
1999 34.500.000 -50.72%
2000 13.900.000 -148.2%
2001 7.648.000 -81.75%
2002 11.623.000 34.2%
2003 37.332.000 68.87%
2004 44.028.000 15.21%
2005 50.579.000 12.95%
2006 58.038.000 12.85%
2007 60.750.000 4.46%
2008 57.548.000 -5.56%
2009 73.502.000 21.71%
2010 78.602.000 6.49%
2011 86.777.000 9.42%
2012 134.517.000 35.49%
2013 175.226.000 23.23%
2014 199.592.000 12.21%
2015 298.980.000 33.24%
2016 459.317.000 34.91%
2017 1.241.996.000 63.02%
2018 1.969.697.000 36.94%
2019 2.012.594.000 2.13%
2020 2.746.649.000 26.73%
2021 2.886.311.000 4.84%
2022 2.798.389.000 -3.14%
2023 2.855.534.000 2%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Pacific Premier Bancorp, Inc. Assets
Year Assets Growth
1997 411.800.000
1998 428.100.000 3.81%
1999 547.600.000 21.82%
2000 414.421.000 -32.14%
2001 243.667.000 -70.08%
2002 238.278.000 -2.26%
2003 309.368.000 22.98%
2004 543.124.000 43.04%
2005 702.733.000 22.71%
2006 730.874.000 3.85%
2007 763.420.000 4.26%
2008 739.956.000 -3.17%
2009 807.323.000 8.34%
2010 826.816.000 2.36%
2011 961.128.000 13.97%
2012 1.173.792.000 18.12%
2013 1.714.187.000 31.52%
2014 2.038.897.000 15.93%
2015 2.790.646.000 26.94%
2016 4.040.383.000 30.93%
2017 8.024.501.000 49.65%
2018 11.487.387.000 30.15%
2019 11.776.012.000 2.45%
2020 19.736.544.000 40.33%
2021 21.094.429.000 6.44%
2022 21.688.017.000 2.74%
2023 20.275.720.000 -6.97%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Pacific Premier Bancorp, Inc. Liabilities
Year Liabilities Growth
1997 357.000.000
1998 376.100.000 5.08%
1999 513.100.000 26.7%
2000 400.521.000 -28.11%
2001 236.019.000 -69.7%
2002 226.655.000 -4.13%
2003 272.036.000 16.68%
2004 499.096.000 45.49%
2005 652.154.000 23.47%
2006 672.836.000 3.07%
2007 702.670.000 4.25%
2008 682.408.000 -2.97%
2009 733.821.000 7.01%
2010 748.214.000 1.92%
2011 874.351.000 14.43%
2012 1.039.275.000 15.87%
2013 1.538.961.000 32.47%
2014 1.839.305.000 16.33%
2015 2.491.666.000 26.18%
2016 3.581.066.000 30.42%
2017 6.782.505.000 47.2%
2018 9.517.690.000 28.74%
2019 733.542.000 -1197.5%
2020 532.511.000 -37.75%
2021 888.567.000 40.07%
2022 18.889.628.000 95.3%
2023 1.131.682.000 -1569.16%

Pacific Premier Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
8.18
Net Income per Share
2.55
Price to Earning Ratio
10.91x
Price To Sales Ratio
3.46x
POCF Ratio
7.56
PFCF Ratio
7.88
Price to Book Ratio
0.92
EV to Sales
3.11
EV Over EBITDA
5.68
EV to Operating CashFlow
6.92
EV to FreeCashFlow
7.08
Earnings Yield
0.09
FreeCashFlow Yield
0.13
Market Cap
2,67 Bil.
Enterprise Value
2,40 Bil.
Graham Number
41.68
Graham NetNet
23.73

Income Statement Metrics

Net Income per Share
2.55
Income Quality
1.44
ROE
0.08
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.91
EBT Per Ebit
0.39
Ebit per Revenue
0.11
Effective Tax Rate
0.09

Margins

Sales, General, & Administrative to Revenue
0.29
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
1.07
Operating Profit Margin
0.11
Pretax Profit Margin
0.04
Net Profit Margin
0.04

Dividends

Dividend Yield
0.05
Dividend Yield %
4.75
Payout Ratio
0.53
Dividend Per Share
1.32

Operating Metrics

Operating Cashflow per Share
3.68
Free CashFlow per Share
3.59
Capex to Operating CashFlow
-0.02
Capex to Revenue
-0.01
Capex to Depreciation
-0.3
Return on Invested Capital
0.08
Return on Tangible Assets
0.01
Days Sales Outstanding
32.29
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
11.3
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.09

Balance Sheet

Cash per Share
35,21
Book Value per Share
30,32
Tangible Book Value per Share
193.19
Shareholders Equity per Share
30.32
Interest Debt per Share
14.45
Debt to Equity
0.4
Debt to Assets
0.06
Net Debt to EBITDA
-0.64
Current Ratio
0
Tangible Asset Value
18,20 Bil.
Net Current Asset Value
2,07 Bil.
Invested Capital
0.4
Working Capital
3,21 Bil.
Intangibles to Total Assets
0.05
Average Receivables
0,07 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.42

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Pacific Premier Bancorp, Inc. Dividends
Year Dividends Growth
2019 1
2020 1 100%
2021 1 0%
2022 1 0%
2023 1 0%

Pacific Premier Bancorp, Inc. Profile

About Pacific Premier Bancorp, Inc.

Pacific Premier Bancorp, Inc. operates as the bank holding company for Pacific Premier Bank that provides banking services to businesses, professionals, real estate investors, and non-profit organizations. The company accepts deposit products, such as checking, money market, and savings accounts; and certificates of deposit. Its loan portfolio includes commercial real estate owner and non-owner-occupied, multifamily, construction and land, franchise real estate secured, small business administration (SBA), and SBA paycheck protection program loans; revolving lines or credit, term loans, seasonal loans, and loans secured by liquid collateral; one-to-four family and home equity lines of credit loans; and savings account secured loans and auto loans. The company also offers cash management, electronic banking, treasury management, and online bill payment services. It operates 61 full-service depository branches located in Arizona, California, Nevada, Oregon, and Washington. Pacific Premier Bancorp, Inc. was founded in 1983 and is headquartered in Irvine, California.

CEO
Mr. Steven R. Gardner
Employee
1.345
Address
17901 Von Karman Avenue
Irvine, 92614

Pacific Premier Bancorp, Inc. Executives & BODs

Pacific Premier Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Matthew J. Lazzaro
Senior Vice President & Director of Investor Relations
70
2 Ms. Tamara Beth Wendoll M.B.A.
Senior EVice President and President of Pacific Premier Trust
70
3 Mr. Ronald J. Nicolas Jr.
Senior EVice President & Chief Financial Officer
70
4 Mr. Steven R. Arnold
Corporate Secretary
70
5 Mr. John Mangold
First Vice President and Treasurer
70
6 Mr. Steven R. Gardner
Chairman, President & Chief Executive Officer
70
7 Ms. Lori R. Wright CPA
Senior EVice President & Deputy Chief Financial Officer
70
8 Mr. Mark D. Whalen
Chief Lending Officer & Senior Vice President
70

Pacific Premier Bancorp, Inc. Competitors