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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.41
PPBI's Cash-to-Debt is ranked lower than
76% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. PPBI: 0.41 )
Ranked among companies with meaningful Cash-to-Debt only.
PPBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.25 Max: 4.8
Current: 0.41
0.02
4.8
Equity-to-Asset 0.11
PPBI's Equity-to-Asset is ranked higher than
59% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PPBI: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
PPBI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.09 Max: 0.13
Current: 0.11
0.03
0.13
Interest Coverage 4.83
PPBI's Interest Coverage is ranked higher than
79% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. PPBI: 4.83 )
Ranked among companies with meaningful Interest Coverage only.
PPBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 2.72 Max: 4.83
Current: 4.83
0.03
4.83
Piotroski F-Score: 5
Beneish M-Score: -2.14
WACC vs ROIC
7.58%
7.72%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating Margin % 37.83
PPBI's Operating Margin % is ranked higher than
69% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. PPBI: 37.83 )
Ranked among companies with meaningful Operating Margin % only.
PPBI' s Operating Margin % Range Over the Past 10 Years
Min: -2.29  Med: 27.34 Max: 44.14
Current: 37.83
-2.29
44.14
Net Margin % 23.23
PPBI's Net Margin % is ranked higher than
55% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. PPBI: 23.23 )
Ranked among companies with meaningful Net Margin % only.
PPBI' s Net Margin % Range Over the Past 10 Years
Min: -1.93  Med: 17.3 Max: 27.03
Current: 23.23
-1.93
27.03
ROE % 9.65
PPBI's ROE % is ranked higher than
63% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. PPBI: 9.65 )
Ranked among companies with meaningful ROE % only.
PPBI' s ROE % Range Over the Past 10 Years
Min: -0.7  Med: 7.48 Max: 14.26
Current: 9.65
-0.7
14.26
ROA % 1.13
PPBI's ROA % is ranked higher than
70% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PPBI: 1.13 )
Ranked among companies with meaningful ROA % only.
PPBI' s ROA % Range Over the Past 10 Years
Min: -0.06  Med: 0.76 Max: 1.48
Current: 1.13
-0.06
1.48
3-Year Revenue Growth Rate 15.80
PPBI's 3-Year Revenue Growth Rate is ranked higher than
86% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. PPBI: 15.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PPBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -45  Med: 0.3 Max: 17.8
Current: 15.8
-45
17.8
3-Year EBITDA Growth Rate 35.00
PPBI's 3-Year EBITDA Growth Rate is ranked higher than
90% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. PPBI: 35.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PPBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -59.6  Med: 8.65 Max: 209.8
Current: 35
-59.6
209.8
3-Year EPS without NRI Growth Rate 39.30
PPBI's 3-Year EPS without NRI Growth Rate is ranked higher than
91% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. PPBI: 39.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PPBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -53.3  Med: -1.7 Max: 108
Current: 39.3
-53.3
108
GuruFocus has detected 5 Warning Signs with Pacific Premier Bancorp Inc $PPBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PPBI's 10-Y Financials

Financials (Next Earnings Date: 2017-04-24 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

PPBI Guru Trades in Q1 2016

Jim Simons 246,600 sh (-18.10%)
» More
Q2 2016

PPBI Guru Trades in Q2 2016

Jim Simons 164,900 sh (-33.13%)
» More
Q3 2016

PPBI Guru Trades in Q3 2016

Jim Simons 100,100 sh (-39.30%)
» More
Q4 2016

PPBI Guru Trades in Q4 2016

Jim Simons 149,800 sh (+49.65%)
» More
» Details

Insider Trades

Latest Guru Trades with PPBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6022
Compare:NAS:BRKL, NAS:LKFN, NAS:BUSE, NAS:HAFC, NAS:STBZ, NAS:CFNL, NYSE:BANC, NAS:SASR, NAS:CHCO, NAS:EFSC, NAS:SYBT, NYSE:CUBI, NYSE:FCF, NAS:SBSI, NYSE:CPF, NAS:SRCE, NAS:IBTX, NAS:BNCL, NAS:STBA, NAS:LBAI » details
Pacific Premier Bancorp Inc through its subsidiaries provides banking products and services. It offers cash management, electronic banking services, credit facilities and retirement accounts, among others.

Pacific Premier Bancorp Inc is a Delaware company organized in 1997. The Company, through its subsidiary is a California state-chartered commercial bank. It provides banking services within its targeted markets in California to businesses, including the owners and employees of those businesses, professionals, real estate investors and non-profit organizations. It also provides certain banking services in various regions. Through its Home Owners' Association "HOA" Banking and Lending unit, it provides customized cash management, electronic banking services and credit facilities to HOAs and HOA management companies in different regions. Through its U.S. Small Business Administration "SBA" Lending unit, it provides entrepreneurs and small business owners access to loans needed for working capital and continued growth. Through its branches and its Internet website, the Company offers an array of deposit products and services, including checking, money market and savings accounts, cash management services, electronic banking services, and on-line bill payment. It also offers an array of loan products, such as commercial business loans, lines of credit, SBA loans, warehouse credit facilities, commercial real estate loans, residential home loans, construction loans and consumer loans. Its lending activities are; General, Commercial and Industrial Lending, Commercial Owner-Occupied Business Lending, SBA Lending, Warehouse Repurchase Facilities, Commercial Non-Owner Occupied Real Estate Lending, Multi-family Residential Lending, Construction Lending, One-to-Four Family Real Estate Lending, and Other Loans. It had 16 depository branches located in the cities of Encinitas, Huntington Beach, Irvine, Los Alamitos, Newport Beach, Palm Desert, Palm Springs, San Bernardino, San Diego, and Seal Beach. The Company competes with commercial banks, savings banks, credit unions, and numerous non-banking institutions, such as finance companies, leasing companies, insurance companies, brokerage firms and investment banking firms. The Company is subject to the regulations of certain governmental agencies and undergoes periodic examinations by those regulatory authorities.

Ratios

vs
industry
vs
history
PE Ratio 24.92
PPBI's PE Ratio is ranked lower than
86% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. PPBI: 24.92 )
Ranked among companies with meaningful PE Ratio only.
PPBI' s PE Ratio Range Over the Past 10 Years
Min: 6.1  Med: 16.58 Max: 808.33
Current: 24.92
6.1
808.33
Forward PE Ratio 18.80
PPBI's Forward PE Ratio is ranked lower than
87% of the 407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.26 vs. PPBI: 18.80 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 24.92
PPBI's PE Ratio without NRI is ranked lower than
86% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. PPBI: 24.92 )
Ranked among companies with meaningful PE Ratio without NRI only.
PPBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.1  Med: 16.58 Max: 485
Current: 24.92
6.1
485
Price-to-Owner-Earnings 27.62
PPBI's Price-to-Owner-Earnings is ranked lower than
87% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. PPBI: 27.62 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PPBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.07  Med: 15.84 Max: 224.52
Current: 27.62
4.07
224.52
PB Ratio 2.21
PPBI's PB Ratio is ranked lower than
91% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PPBI: 2.21 )
Ranked among companies with meaningful PB Ratio only.
PPBI' s PB Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.99 Max: 2.45
Current: 2.21
0.23
2.45
PS Ratio 5.76
PPBI's PS Ratio is ranked lower than
86% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. PPBI: 5.76 )
Ranked among companies with meaningful PS Ratio only.
PPBI' s PS Ratio Range Over the Past 10 Years
Min: 0.7  Med: 2.59 Max: 6.44
Current: 5.76
0.7
6.44
Price-to-Free-Cash-Flow 19.38
PPBI's Price-to-Free-Cash-Flow is ranked lower than
79% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. PPBI: 19.38 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PPBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.96  Med: 17.15 Max: 1915
Current: 19.38
2.96
1915
Price-to-Operating-Cash-Flow 15.72
PPBI's Price-to-Operating-Cash-Flow is ranked lower than
75% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. PPBI: 15.72 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PPBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.88  Med: 14.54 Max: 140.99
Current: 15.72
2.88
140.99
EV-to-EBIT 19.15
PPBI's EV-to-EBIT is ranked lower than
73% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. PPBI: 19.15 )
Ranked among companies with meaningful EV-to-EBIT only.
PPBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -163.9  Med: 17.2 Max: 820.6
Current: 19.15
-163.9
820.6
EV-to-EBITDA 17.83
PPBI's EV-to-EBITDA is ranked lower than
75% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. PPBI: 17.83 )
Ranked among companies with meaningful EV-to-EBITDA only.
PPBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.7  Med: 17.15 Max: 414.1
Current: 17.83
1.7
414.1
PEG Ratio 4.49
PPBI's PEG Ratio is ranked lower than
84% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. PPBI: 4.49 )
Ranked among companies with meaningful PEG Ratio only.
PPBI' s PEG Ratio Range Over the Past 10 Years
Min: 0.43  Med: 2.58 Max: 11.36
Current: 4.49
0.43
11.36
Shiller PE Ratio 45.75
PPBI's Shiller PE Ratio is ranked lower than
90% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. PPBI: 45.75 )
Ranked among companies with meaningful Shiller PE Ratio only.
PPBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.64  Med: 20.11 Max: 69.6
Current: 45.75
7.64
69.6

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -18.40
PPBI's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. PPBI: -18.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PPBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -58.1  Med: -17.8 Max: 2.1
Current: -18.4
-58.1
2.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.90
PPBI's Price-to-Tangible-Book is ranked lower than
94% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. PPBI: 2.90 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PPBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.33  Med: 0.95 Max: 3.06
Current: 2.9
0.33
3.06
Price-to-Intrinsic-Value-Projected-FCF 1.66
PPBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
91% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. PPBI: 1.66 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PPBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.71 Max: 1.76
Current: 1.66
0.21
1.76
Price-to-Median-PS-Value 2.23
PPBI's Price-to-Median-PS-Value is ranked lower than
95% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PPBI: 2.23 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PPBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.09  Med: 0.77 Max: 5.84
Current: 2.23
0.09
5.84
Price-to-Peter-Lynch-Fair-Value 3.82
PPBI's Price-to-Peter-Lynch-Fair-Value is ranked lower than
96% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PPBI: 3.82 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PPBI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.5  Med: 2.81 Max: 4.04
Current: 3.82
0.5
4.04
Price-to-Graham-Number 1.79
PPBI's Price-to-Graham-Number is ranked lower than
95% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. PPBI: 1.79 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PPBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.35  Med: 0.78 Max: 1.89
Current: 1.79
0.35
1.89
Earnings Yield (Greenblatt) % 5.22
PPBI's Earnings Yield (Greenblatt) % is ranked lower than
56% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. PPBI: 5.22 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PPBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 5.5 Max: 54
Current: 5.22
0.1
54
Forward Rate of Return (Yacktman) % 9.05
PPBI's Forward Rate of Return (Yacktman) % is ranked lower than
58% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. PPBI: 9.05 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PPBI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -35.5  Med: 6.3 Max: 40.3
Current: 9.05
-35.5
40.3

More Statistics

Revenue (TTM) (Mil) $172.7
EPS (TTM) $ 1.46
Beta0.88
Short Percentage of Float8.83%
52-Week Range $20.05 - 41.90
Shares Outstanding (Mil)27.91

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 262 336
EPS ($) 1.92 2.38
EPS without NRI ($) 1.92 2.38
EPS Growth Rate
(Future 3Y To 5Y Estimate)
8.00%
Dividends per Share ($)
» More Articles for PPBI

Headlines

Articles On GuruFocus.com
Three Stocks for the Value Investor, Growth Enthusiast and Insider Follower May 05 2014 
Group Insider Buying Reported in California Banking Company Apr 28 2014 
Pacific Premier Bancorp Inc Reports Operating Results (10-Q) Nov 05 2010 
Pacific Premier Bancorp Inc Reports Operating Results (10-Q) May 12 2010 
Pacific Premier Bancorp Inc Reports Operating Results (10-Q) Nov 16 2009 
Pacific Premier Bancorp Inc Reports Operating Results (10-Q) Aug 13 2009 

More From Other Websites
PACIFIC PREMIER BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 23 2017
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PACIFIC PREMIER BANCORP INC Financials Mar 22 2017
PACIFIC PREMIER BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 22 2017
Pacific Premier Bancorp Named Recipient of 2016 Raymond James Community Bankers Cup Mar 22 2017
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PACIFIC PREMIER BANCORP INC Files SEC form 10-K, Annual Report Mar 16 2017
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Pacific Premier Bancorp to Participate in FIG Partners’ 8th Annual West Coast CEO Forum Feb 01 2017
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Edited Transcript of PPBI earnings conference call or presentation 24-Jan-17 5:00pm GMT Jan 24 2017
Q4 2016 Pacific Premier Bancorp Inc Earnings Release - Before Market Open Jan 24 2017
Pacific Premier Bancorp posts 4Q profit Jan 24 2017
Pacific Premier Bancorp posts 4Q profit Jan 24 2017
PACIFIC PREMIER BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jan 24 2017
Pacific Premier Bancorp, Inc. Announces Fourth Quarter 2016 Results (Unaudited) Jan 24 2017
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Pacific Premier Bancorp Named Fastest Growing Midsize Public Company Nov 02 2016
Pacific Premier Bancorp, Inc. Announces Third Quarter 2016 Results (Unaudited) Oct 19 2016
Pacific Premier Bancorp, Inc. to Announce Third Quarter 2016 Financial Results on October 19, 2016 Oct 06 2016
Pacific Premier Bancorp, Inc. CEO Steve Gardner Re-Elected to Board of Directors of Federal Reserve... Oct 03 2016
Pacific Premier Bancorp to Participate in Raymond James 2016 U.S. Bank Conference Sep 07 2016
Pacific Premier Bancorp to Participate in 2016 KBW Community Bank Investor Conference Aug 02 2016
Pacific Premier Bancorp, Inc. to Announce Second Quarter 2016 Financial Results on July 20, 2016 Jul 11 2016
Pacific Premier Bancorp Appoints Ronald J. Nicolas as Senior Executive Vice President and Chief... Jun 03 2016
Pacific Premier Bancorp Announces Departure of Chief Financial Officer May 04 2016
Pacific Premier Bancorp Announces Participation in Upcoming Investor Conferences May 04 2016
Pacific Premier Bancorp Announces Branch Consolidation Plans May 02 2016
Pacific Premier Bancorp, Inc. Announces First Quarter 2016 Results (Unaudited) Apr 20 2016
Pacific Premier Bancorp, Inc. to Announce First Quarter 2016 Financial Results on April 20, 2016 Apr 11 2016

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