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PPBI stock logo

PPBI

Pacific Premier Bancorp, Inc.

$24.49
0
 (0.33%)
Exchange:  
Market Cap:  2.375B
Shares Outstanding:  1.309M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Steven R. Gardner
Full Time Employees:  1325
Address: 
17901 Von Karman Avenue
Irvine
CA
92614
US
Website:  https://www.ppbi.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/01/23 — 4 quarter 2024

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue762,602440,199822,568
Gross Profit762,602440,199822,568
EBITDA413,09360,1890
Operating Income455,82434,041817,495
Net Income283,74330,852158,802

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets21,688,01719,026,64517,903,585
Total Liabilities18,889,62816,144,06414,947,842
Total Stockholders Equity2,798,3892,882,5812,955,743
Total Debt1,331,204931,842272,449
Cash and Cash Equivalents1,102,983936,473610,576

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow411,032250,980226,459
Capital Expenditure-7,476-6,609-3,664
Free Cash Flow403,556244,371222,795
Net Income283,74330,852158,802
Net Change in Cash796,546-164,776-327,143

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2026Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)602,872.116Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)620,727.883Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)611,800Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)197,791.435Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)203,649.589Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)200,720.513Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)136,487.439Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)154,249.023Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)151,575Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)176,609.907Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)181,840.710Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)179,225.309Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.560Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.630Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.440Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
904.651M  ?P/S
 (TTM)
: 
2.96
?Net Income
 (TTM)
: 
155.942M  ?P/E
 (TTM)
: 
16.85
?Enterprise Value
 (TTM)
: 
2.333B  ?EV/FCF
 (TTM)
: 
13.23
?Dividend Yield
 (TTM)
: 
0.05  ?Payout Ratio
 (TTM)
: 
0.92
?ROE
 (TTM)
: 
0.05  ?ROIC
 (TTM)
: 
-0.01
?Net Debt
 (TTM)
: 
209.974M  ?Debt/Equity
 (TTM)
: 
0.04
?P/B
 (TTM)
: 
0.78  ?Current Ratio
 (TTM)
: 
0.13

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
15.70Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates PPBI intrinsic value between $34.62 – $44.97 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate PPBI Intrinsic Value

Common questions about PPBI valuation

Is Pacific Premier Bancorp, Inc. (PPBI) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Pacific Premier Bancorp, Inc. (PPBI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PPBI a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PPBI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PPBI’s P/E ratio?

You can see PPBI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PPBI?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PPBI a good long-term investment?

Whether PPBI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PPBI

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.33
MARKETSnap

Trading Metrics:

Open: 24.49   Previous Close: 24.49
Day Low: 24.49   Day High: 24.49
Year Low: 18.06   Year High: 30.28
Price Avg 50: 22.38   Price Avg 200: 23.2
Volume: 19.567M   Average Volume: 1.337M

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