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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 0.53
PPBI's Cash to Debt is ranked lower than
73% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. PPBI: 0.53 )
Ranked among companies with meaningful Cash to Debt only.
PPBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.39 Max: N/A
Current: 0.53
Equity to Asset 0.12
PPBI's Equity to Asset is ranked higher than
67% of the 1608 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PPBI: 0.12 )
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: 0.21
Current: 0.12
0.03
0.21
Interest Coverage 4.50
PPBI's Interest Coverage is ranked higher than
78% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. PPBI: 4.50 )
Ranked among companies with meaningful Interest Coverage only.
PPBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 1.77 Max: 4.5
Current: 4.5
0.03
4.5
F-Score: 6
M-Score: -2.07
WACC vs ROIC
7.70%
7.70%
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 (%) 37.05
PPBI's Operating margin (%) is ranked higher than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. PPBI: 37.05 )
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: 37.05
-2.29
44.14
Net-margin (%) 22.76
PPBI's Net-margin (%) is ranked higher than
51% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. PPBI: 22.76 )
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: 31.42
Current: 22.76
-1.93
31.42
ROE (%) 9.48
PPBI's ROE (%) is ranked higher than
58% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. PPBI: 9.48 )
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: 9.48
-0.7
14.26
ROA (%) 1.10
PPBI's ROA (%) is ranked higher than
65% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. PPBI: 1.10 )
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: 1.1
-0.06
1.48
Revenue Growth (3Y)(%) 1.90
PPBI's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. PPBI: 1.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PPBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -45  Med: -0.6 Max: 17.8
Current: 1.9
-45
17.8
EBITDA Growth (3Y)(%) -5.70
PPBI's EBITDA Growth (3Y)(%) is ranked lower than
80% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. PPBI: -5.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PPBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -59.6  Med: 1 Max: 209.8
Current: -5.7
-59.6
209.8
EPS Growth (3Y)(%) -6.20
PPBI's EPS Growth (3Y)(%) is ranked lower than
80% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. PPBI: -6.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PPBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -53.3  Med: -2.4 Max: 108
Current: -6.2
-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: 2017-01-24)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

PPBI Guru Trades in Q4 2015

Jim Simons 301,100 sh (+27.69%)
» More
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
» 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:CFNL, NAS:SYBT, NYSE:CUBI, NAS:SBSI, NAS:CHCO, NAS:OPB, NAS:STBZ, NAS:SASR, NYSE:CPF, NAS:HAFC, NAS:BRKL, NAS:SRCE, NAS:LKFN, NAS:NFBK, NAS:WASH, NAS:IBTX, NAS:BUSE, NAS:LBAI, NAS:CSFL, NAS:CTBI » 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
P/E(ttm) 25.59
PPBI's P/E(ttm) is ranked lower than
86% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. PPBI: 25.59 )
Ranked among companies with meaningful P/E(ttm) only.
PPBI' s P/E(ttm) Range Over the Past 10 Years
Min: 6.1  Med: 16.48 Max: 808.33
Current: 25.59
6.1
808.33
Forward P/E 18.98
PPBI's Forward P/E is ranked lower than
84% of the 360 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.55 vs. PPBI: 18.98 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 25.59
PPBI's PE(NRI) is ranked lower than
86% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. PPBI: 25.59 )
Ranked among companies with meaningful PE(NRI) only.
PPBI' s PE(NRI) Range Over the Past 10 Years
Min: 6.1  Med: 16.48 Max: 485
Current: 25.59
6.1
485
Price/Owner Earnings (ttm) 23.12
PPBI's Price/Owner Earnings (ttm) is ranked lower than
79% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. PPBI: 23.12 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PPBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.07  Med: 15.31 Max: 224.52
Current: 23.12
4.07
224.52
P/B 2.19
PPBI's P/B is ranked lower than
89% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. PPBI: 2.19 )
Ranked among companies with meaningful P/B only.
PPBI' s P/B Range Over the Past 10 Years
Min: 0.23  Med: 0.98 Max: 2.31
Current: 2.19
0.23
2.31
P/S 5.82
PPBI's P/S is ranked lower than
84% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. PPBI: 5.82 )
Ranked among companies with meaningful P/S only.
PPBI' s P/S Range Over the Past 10 Years
Min: 0.7  Med: 2.53 Max: 6.08
Current: 5.82
0.7
6.08
PFCF 33.52
PPBI's PFCF is ranked lower than
90% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. PPBI: 33.52 )
Ranked among companies with meaningful PFCF only.
PPBI' s PFCF Range Over the Past 10 Years
Min: 2.96  Med: 19.36 Max: 1915
Current: 33.52
2.96
1915
POCF 18.29
PPBI's POCF is ranked lower than
78% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. PPBI: 18.29 )
Ranked among companies with meaningful POCF only.
PPBI' s POCF Range Over the Past 10 Years
Min: 2.88  Med: 14.14 Max: 140.99
Current: 18.29
2.88
140.99
EV-to-EBIT 18.26
PPBI's EV-to-EBIT is ranked lower than
69% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. PPBI: 18.26 )
Ranked among companies with meaningful EV-to-EBIT only.
PPBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -163.9  Med: 17.15 Max: 820.6
Current: 18.26
-163.9
820.6
EV-to-EBITDA 16.93
PPBI's EV-to-EBITDA is ranked lower than
70% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. PPBI: 16.93 )
Ranked among companies with meaningful EV-to-EBITDA only.
PPBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.7  Med: 16.85 Max: 414.1
Current: 16.93
1.7
414.1
PEG 1.77
PPBI's PEG is ranked lower than
61% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. PPBI: 1.77 )
Ranked among companies with meaningful PEG only.
PPBI' s PEG Range Over the Past 10 Years
Min: 0.43  Med: 1.91 Max: 11.36
Current: 1.77
0.43
11.36
Shiller P/E 46.32
PPBI's Shiller P/E is ranked lower than
90% of the 483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PPBI: 46.32 )
Ranked among companies with meaningful Shiller P/E only.
PPBI' s Shiller P/E Range Over the Past 10 Years
Min: 7.64  Med: 19.84 Max: 69.6
Current: 46.32
7.64
69.6

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -16.40
PPBI's 3-Year Average Share Buyback Ratio is ranked lower than
85% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. PPBI: -16.40 )
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: -17.1 Max: 2.1
Current: -16.4
-58.1
2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.95
PPBI's Price/Tangible Book is ranked lower than
93% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. PPBI: 2.95 )
Ranked among companies with meaningful Price/Tangible Book only.
PPBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.18  Med: 0.92 Max: 3.07
Current: 2.95
0.18
3.07
Price/Projected FCF 1.78
PPBI's Price/Projected FCF is ranked lower than
91% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. PPBI: 1.78 )
Ranked among companies with meaningful Price/Projected FCF only.
PPBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.76 Max: 3.63
Current: 1.78
0.21
3.63
Price/Median PS Value 2.32
PPBI's Price/Median PS Value is ranked lower than
95% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. PPBI: 2.32 )
Ranked among companies with meaningful Price/Median PS Value only.
PPBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.07  Med: 0.77 Max: 6.03
Current: 2.32
0.07
6.03
Price/Peter Lynch Fair Value 4.82
PPBI's Price/Peter Lynch Fair Value is ranked lower than
99% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PPBI: 4.82 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PPBI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.5  Med: 0.79 Max: 8.17
Current: 4.82
0.5
8.17
Price/Graham Number 1.84
PPBI's Price/Graham Number is ranked lower than
93% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. PPBI: 1.84 )
Ranked among companies with meaningful Price/Graham Number only.
PPBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.29  Med: 0.87 Max: 2.62
Current: 1.84
0.29
2.62
Earnings Yield (Greenblatt) (%) 5.51
PPBI's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. PPBI: 5.51 )
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: 5.51
0.1
54
Forward Rate of Return (Yacktman) (%) 7.23
PPBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. PPBI: 7.23 )
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: -40.3  Med: 6.1 Max: 40.2
Current: 7.23
-40.3
40.2

More Statistics

Revenue (TTM) (Mil) $159.1
EPS (TTM) $ 1.40
Beta0.84
Short Percentage of Float6.40%
52-Week Range $18.32 - 37.95
Shares Outstanding (Mil)27.66

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 172 261 329
EPS ($) 1.55 1.92 2.39
EPS w/o NRI ($) 1.55 1.92 2.39
EPS Growth Rate
(3Y to 5Y Estimate)
8.00%
Dividends Per Share ($)
» 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 

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