PACIFIC PREMIER BANCORP INC (PPBI)
US69478X1054 - Common Stock
We assign a fundamental rating of 2 out of 10 to PPBI. PPBI was compared to 405 industry peers in the Banks industry. PPBI has a bad profitability rating. Also its financial health evaluation is rather negative. PPBI has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year PPBI was profitable.
PPBI had a positive operating cash flow in the past year.
PPBI had positive earnings in each of the past 5 years.
In the past 5 years PPBI always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.07%, PPBI is doing worse than 92.71% of the companies in the same industry.
Looking at the Return On Equity, with a value of -0.41%, PPBI is doing worse than 92.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.07% | ||
| ROE | -0.41% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)0.94%
ROE(3y)7.56%
ROE(5y)6.54%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PPBI's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for PPBI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.58%
PM growth 5Y-26.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PPBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PPBI has been increased compared to 1 year ago.
The number of shares outstanding for PPBI has been increased compared to 5 years ago.
The debt/assets ratio for PPBI is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of PPBI is 1.65, which is an excellent value as it means it would take PPBI, only 1.65 years of fcf income to pay off all of its debts.
PPBI has a Debt to FCF ratio of 1.65. This is in the better half of the industry: PPBI outperforms 65.08% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that PPBI is not too dependend on debt financing.
PPBI has a better Debt to Equity ratio (0.09) than 76.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.65 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PPBI have decreased strongly by -28.29% in the last year.
PPBI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.01% yearly.
PPBI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -47.61%.
Measured over the past years, PPBI shows a small growth in Revenue. The Revenue has been growing by 1.26% on average per year.
EPS 1Y (TTM)-28.29%
EPS 3Y77.84%
EPS 5Y-2.01%
EPS Q2Q%-22.92%
Revenue 1Y (TTM)-47.61%
Revenue growth 3Y-11.26%
Revenue growth 5Y1.26%
Sales Q2Q%-12.47%
3.2 Future
Based on estimates for the next years, PPBI will show a very negative growth in Earnings Per Share. The EPS will decrease by -11.11% on average per year.
Based on estimates for the next years, PPBI will show a decrease in Revenue. The Revenue will decrease by -3.83% on average per year.
EPS Next Y-26.87%
EPS Next 2Y-22.63%
EPS Next 3Y-11.11%
EPS Next 5YN/A
Revenue Next Year-12.7%
Revenue Next 2Y-8.9%
Revenue Next 3Y-3.83%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
PPBI is valuated correctly with a Price/Earnings ratio of 13.31.
PPBI's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of PPBI to the average of the S&P500 Index (27.28), we can say PPBI is valued rather cheaply.
The Price/Forward Earnings ratio is 17.78, which indicates a rather expensive current valuation of PPBI.
Based on the Price/Forward Earnings ratio, PPBI is valued a bit more expensive than 74.12% of the companies in the same industry.
PPBI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.53, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | 17.78 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as PPBI.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as PPBI's earnings are expected to decrease with -11.11% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-22.63%
EPS Next 3Y-11.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.49%, PPBI is a good candidate for dividend investing.
PPBI's Dividend Yield is rather good when compared to the industry average which is at 3.29. PPBI pays more dividend than 92.96% of the companies in the same industry.
PPBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
5.2 History
PPBI has been paying a dividend for over 5 years, so it has already some track record.
PPBI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years5
5.3 Sustainability
PPBI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-1049.91%
EPS Next 2Y-22.63%
EPS Next 3Y-11.11%
PACIFIC PREMIER BANCORP INC
NASDAQ:PPBI (1/14/2025, 8:00:05 PM)
After market: 23.95 0 (0%)23.95
+0.78 (+3.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners95.86%
Inst Owner Change-0.01%
Ins Owners2.17%
Ins Owner Change1.26%
Market Cap2.31B
Analysts75.38
Price Target29.29 (22.3%)
Short Float %1.98%
Short Ratio3.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
Dividend Growth(5Y)N/A
DP-1049.91%
Div Incr Years0
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.64%
Min EPS beat(2)-3.45%
Max EPS beat(2)-1.83%
EPS beat(4)2
Avg EPS beat(4)0.1%
Min EPS beat(4)-3.45%
Max EPS beat(4)3.73%
EPS beat(8)3
Avg EPS beat(8)-2.69%
EPS beat(12)4
Avg EPS beat(12)-2.13%
EPS beat(16)8
Avg EPS beat(16)5.69%
Revenue beat(2)0
Avg Revenue beat(2)-8.05%
Min Revenue beat(2)-8.26%
Max Revenue beat(2)-7.84%
Revenue beat(4)0
Avg Revenue beat(4)-6.06%
Min Revenue beat(4)-8.26%
Max Revenue beat(4)-3.4%
Revenue beat(8)1
Avg Revenue beat(8)-3.94%
Revenue beat(12)5
Avg Revenue beat(12)0.97%
Revenue beat(16)9
Avg Revenue beat(16)4.06%
PT rev (1m)5.79%
PT rev (3m)4.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-37.47%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-3.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-18.56%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-2.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | 17.78 | ||
| P/S | 5.95 | ||
| P/FCF | 13.98 | ||
| P/OCF | 13.72 | ||
| P/B | 0.78 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.8
EY7.52%
EPS(NY)1.35
Fwd EY5.62%
FCF(TTM)1.71
FCFY7.15%
OCF(TTM)1.75
OCFY7.29%
SpS4.02
BVpS30.53
TBVpS20.82
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.07% | ||
| ROE | -0.41% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 42.59% |
ROA(3y)1.01%
ROA(5y)0.94%
ROE(3y)7.56%
ROE(5y)6.54%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.58%
PM growth 5Y-26.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.65 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 13.52% | ||
| Cap/Sales | 0.82% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC12.52%
ROIC/WACCN/A
Cap/Depr(3y)26.82%
Cap/Depr(5y)37.52%
Cap/Sales(3y)1.21%
Cap/Sales(5y)1.86%
Profit Quality(3y)361.72%
Profit Quality(5y)305.18%
High Growth Momentum
Growth
EPS 1Y (TTM)-28.29%
EPS 3Y77.84%
EPS 5Y-2.01%
EPS Q2Q%-22.92%
EPS Next Y-26.87%
EPS Next 2Y-22.63%
EPS Next 3Y-11.11%
EPS Next 5YN/A
Revenue 1Y (TTM)-47.61%
Revenue growth 3Y-11.26%
Revenue growth 5Y1.26%
Sales Q2Q%-12.47%
Revenue Next Year-12.7%
Revenue Next 2Y-8.9%
Revenue Next 3Y-3.83%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-57.5%
FCF growth 3Y6.75%
FCF growth 5Y5.59%
OCF growth 1Y-57.56%
OCF growth 3Y5.74%
OCF growth 5Y5.02%