Pacific Premier Bancorp (PPBI) AI Stock Analysis

• Market Cap: $2.10B
• Dividend Yield: 6.09%
• Average Volume (3M): 1.11M
• Price to Earnings (P/E): 15.2
• Beta (1Y): 1.14
• Revenue Growth: 23.76%
• EPS Growth: N/A
• Country: US
• Employees: 1,325
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.40
• Shares Outstanding: 97,024,666
• 10 Day Avg. Volume: 1,244,894
• 30 Day Avg. Volume: 1,113,556
• PEG Ratio: -1.79
• Price to Book (P/B): 0.65
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.62
• Enterprise Value/Market Cap: 0.71
• Enterprise Value/Revenue: 0.51
• Enterprise Value/Gross Profit: 2.74
• Enterprise Value/Ebitda: 3.18
• 1Y Price Target: $25.25
• Price Target Upside: 16.52% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 69 Neutral
• Price Target: $24.00 ▲(10.75%Upside)

Pacific Premier Bancorp's strong financial performance and attractive dividend yield are the most significant positive factors. However, recent revenue declines and legal challenges related to the merger with Columbia Banking System introduce risks. The technical analysis indicates a neutral market sentiment, suggesting limited immediate momentum. Overall, the company is financially stable but faces challenges that may impact future performance.

Pacific Premier Bancorp Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Pacific Premier Bancorp generates revenue primarily through interest income from its loan portfolio, which includes commercial real estate loans, residential real estate loans, and commercial business loans. The company also earns fee income from various banking services, such as treasury management, deposit account services, and loan servicing fees. Additionally, Pacific Premier Bancorp invests in securities, which contribute to its interest income. Its earnings are further supported by managing interest rate spreads between the interest it pays on deposits and the interest it earns on loans and investments. Key factors influencing the company's earnings include the economic environment, interest rate changes, and demand for banking services.

Pacific Premier Bancorp Financial Statement Overview

Summary

Pacific Premier Bancorp shows strong revenue growth and profitability improvements with a solid balance sheet. However, the decline in the equity ratio and the decrease in free cash flow indicate areas needing attention.

Income Statement

Pacific Premier Bancorp experienced a significant increase in total revenue from the previous year, indicating strong growth. The net profit margin improved considerably, reflecting better profitability. However, fluctuations in EBIT and EBITDA margins suggest some variability in operational efficiency.

Balance Sheet

The company's balance sheet shows a strong equity position with no debt in the latest year, enhancing stability. The return on equity is solid, indicating effective use of equity capital. However, the equity ratio declined slightly, suggesting increased leverage over time.

Cash Flow

Operating cash flow remains strong, supporting the company's ability to generate cash from operations. The free cash flow decreased compared to the prior year, indicating potential challenges in maintaining cash reserves. The free cash flow to net income ratio is healthy, but the overall cash flow dynamics indicate room for improvement.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	822.74M	853.39M	672.35M	834.07M	784.47M	678.82M
Gross Profit	544.24M	562.98M	399.27M	762.60M	820.98M	430.49M
EBITDA	218.77M	235.31M	60.19M	413.09M	492.74M	103.02M
Net Income	147.80M	158.80M	30.85M	283.74M	339.89M	60.35M
Balance Sheet
Total Assets	18.09B	17.90B	19.03B	21.69B	21.09B	19.74B
Cash, Cash Equivalents and Short-Term Investments	1.69B	1.41B	2.08B	3.70B	4.58B	4.81B
Total Debt	272.58M	272.45M	931.84M	1.33B	888.57M	532.51M
Total Liabilities	15.12B	14.95B	16.14B	18.89B	18.21B	16.99B
Stockholders Equity	2.97B	2.96B	2.88B	2.80B	2.89B	2.75B
Cash Flow
Free Cash Flow	187.23M	222.79M	244.37M	403.56M	310.93M	200.89M
Operating Cash Flow	191.17M	226.46M	250.98M	411.03M	320.21M	212.30M
Investing Cash Flow	461.57M	764.23M	2.47B	-160.09M	-2.01B	570.48M
Financing Cash Flow	-913.09M	-1.32B	-2.89B	545.61M	1.11B	-228.87M

Pacific Premier Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 21.67
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPBI, the sentiment is Negative. The current price of 21.67 is below the 20-day moving average (MA) of 22.22, above the 50-day MA of 21.60, and below the 200-day MA of 23.13, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 47.52 is Neutral, neither overbought nor oversold. The STOCH value of 44.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PPBI.

Pacific Premier Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NBTB	79 Outperform	$2.17B	14.91	8.16%	3.22%	10.00%	7.54%
SBCF	79 Outperform	$2.42B	17.31	6.31%	2.55%	5.70%	18.72%
FBK	74 Outperform	$2.62B	25.35	5.81%	1.48%	-5.60%	-22.11%
SYBT	72 Outperform	$2.20B	17.19	31.33%	1.66%	13.22%	22.43%
PPBI	69 Neutral	$2.10B	15.19	4.61%	6.09%	23.76%	―
Sector *	67 Neutral	$17.78B	11.60	9.11%	3.88%	10.92%	-3.96%
HTH	67 Neutral	$1.86B	13.32	6.62%	2.36%	3.16%	27.33%

Pacific Premier Bancorp Corporate Events

Pacific Premier Declares Dividend Amid Merger Preparations

On July 23, 2025, Pacific Premier Bancorp‘s Board of Directors declared a quarterly dividend of $0.33 per share, payable on August 15, 2025. The company reported a net income of $32.1 million for the second quarter of 2025, reflecting a decrease from previous quarters. Despite the decline, the company maintained strong asset quality and a favorable deposit mix, while also redeeming $150 million in subordinated notes. The company is preparing for a merger with Columbia Banking System, Inc., anticipated to close by September 1, 2025, pending regulatory approvals.

The most recent analyst rating on (PPBI) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on Pacific Premier Bancorp stock, see the PPBI Stock Forecast page.

Pacific Premier Bancorp Approves Merger with Columbia

On July 21, 2025, Pacific Premier Bancorp held a special meeting where stockholders approved a merger with Columbia Banking System. This merger, which was also approved by Columbia’s shareholders, will see Pacific Premier merge into Columbia, enhancing market leadership across the West and creating significant value for stakeholders. The transaction is expected to close later in 2025, pending regulatory approvals and other customary conditions.

The most recent analyst rating on (PPBI) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on Pacific Premier Bancorp stock, see the PPBI Stock Forecast page.

Pacific Premier Bancorp Faces Legal Challenges in Merger

On April 23, 2025, Pacific Premier Bancorp, Inc. announced a merger agreement with Columbia Banking System, Inc., which involves multiple merger steps, ultimately resulting in Umpqua Bank as the surviving entity. However, the merger has faced legal challenges, with complaints filed against both companies alleging breaches of fiduciary duty and misrepresentation in the joint proxy statement. Despite these challenges, Pacific Premier and Columbia have decided to supplement the joint proxy statement to address the claims, while denying any wrongdoing.

The most recent analyst rating on (PPBI) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on Pacific Premier Bancorp stock, see the PPBI Stock Forecast page.

Pacific Premier Bancorp Approves Key Proposals at Annual Meeting

On May 19, 2025, Pacific Premier Bancorp, Inc. held its Annual Meeting of Stockholders, where several key proposals were approved. Notably, an amendment to the 2022 Long-Term Incentive Plan was approved, increasing the number of shares reserved for issuance by 2,000,000. Additionally, the election of eleven directors, the approval of executive compensation, and the appointment of Deloitte & Touche LLP as the independent auditor for the fiscal year ending December 31, 2025, were ratified. These decisions are expected to impact the company’s operational strategies and governance structure.

The most recent analyst rating on (PPBI) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on Pacific Premier Bancorp stock, see the PPBI Stock Forecast page.

Pacific Premier Bancorp Proposes Share Increase Amendment

On April 7, 2025, Pacific Premier Bancorp, Inc. issued a proxy statement for its upcoming Annual Meeting of Stockholders on May 19, 2025, proposing an amendment to increase shares available under its Long-Term Incentive Plan by 2,000,000 shares. The company provided updated information to assist shareholders and Institutional Shareholder Services in evaluating this proposal, highlighting a significant decrease in available shares from December 31, 2024, to March 31, 2025, which affects cost assessments and shareholder value transfer.