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Upturn AI SWOT - About
PPBI 
Pacific Premier Bancorp Inc (PPBI)
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Upturn Advisory Summary
06/30/2025: PPBI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $25.7
1 Year Target Price $25.7
| 0 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.15% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.05B USD | Price to earnings Ratio 13.78 | 1Y Target Price 25.7 |
Price to earnings Ratio 13.78 | 1Y Target Price 25.7 | ||
Volume (30-day avg) 5 | Beta 1.14 | 52 Weeks Range 17.78 - 29.43 | Updated Date 07/1/2025 |
52 Weeks Range 17.78 - 29.43 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 6.26% | Basic EPS (TTM) 1.53 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25% | Operating Margin (TTM) 35.56% |
Management Effectiveness
Return on Assets (TTM) 0.8% | Return on Equity (TTM) 5.04% |
Valuation
Trailing PE 13.78 | Forward PE 15.92 | Enterprise Value 1614803584 | Price to Sales(TTM) 3.46 |
Enterprise Value 1614803584 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 4.28 | Enterprise Value to EBITDA - | Shares Outstanding 97024704 | Shares Floating 94746607 |
Shares Outstanding 97024704 | Shares Floating 94746607 | ||
Percent Insiders 2 | Percent Institutions 95.86 |
Analyst Ratings
Rating 2 | Target Price 25.7 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pacific Premier Bancorp Inc
Company Overview
History and Background
Pacific Premier Bancorp, Inc. was founded in 1983. It has grown organically and through acquisitions, focusing on serving small and middle market businesses in California, Nevada, Arizona, and Washington.
Core Business Areas
- Commercial Banking: Provides a range of deposit and loan products, including commercial real estate lending, commercial and industrial lending, SBA lending, and deposit services.
- Wealth Management: Offers wealth management services, including investment advisory and financial planning services to individuals, families, and businesses.
Leadership and Structure
Steven R. Gardner is the Chairman, President, and CEO. The company has a typical hierarchical structure with executive management overseeing various business lines and functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, forming a significant portion of the loan portfolio. Market share data is not readily available for this specific product. Competitors include other regional and national banks.
- Commercial and Industrial Loans: Loans to businesses for working capital, equipment financing, and other purposes. Market share data is not readily available. Competitors include other regional and national banks, and alternative lenders.
- Deposit Products: Checking, savings, and money market accounts for businesses and individuals. Market share data is fragmented and difficult to obtain. Competitors include all banks and credit unions offering similar services.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is also a key trend.
Positioning
Pacific Premier Bancorp is positioned as a regional bank focused on serving small and middle-market businesses, emphasizing relationship banking and local expertise.
Total Addressable Market (TAM)
The TAM is the banking market in the Western US, estimated at hundreds of billions of dollars. Pacific Premier is a small player with potential for growth by serving underserved segments and expanding geographically.
Upturn SWOT Analysis
Strengths
- Strong focus on relationship banking
- Experienced management team
- Geographic presence in attractive markets
- Solid credit quality
Weaknesses
- Smaller scale compared to larger national banks
- Dependence on the economic health of its geographic markets
- Limited international presence
Opportunities
- Organic growth in existing markets
- Strategic acquisitions to expand footprint
- Increased focus on digital banking services
- Expansion of wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and potential for economic slowdown
- Increased regulatory scrutiny
- Credit risk in loan portfolio
Competitors and Market Share
Key Competitors
- PacWest Bancorp (PACW)
- First Republic Bank (FRC) - now part of JPMorgan Chase (JPM) after acquisition
- Western Alliance Bancorporation (WAL)
Competitive Landscape
Pacific Premier competes with larger national banks and smaller regional banks. Advantages include local market knowledge and relationship-based banking. Disadvantages include smaller scale and limited resources.
Major Acquisitions
Heritage Oaks Bancorp
- Year: 2017
- Acquisition Price (USD millions): 406
- Strategic Rationale: Expanded presence in Central California.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic growth and acquisitions. Please refer to the most recent annual report for precise figures.
Future Projections: Future growth projections depend on factors such as economic conditions, competition, and management execution. Please refer to the most recent annual report for precise figures.
Recent Initiatives: Recent strategic initiatives may include investments in technology, expansion into new markets, and new product launches.
Summary
Pacific Premier Bancorp is a regional bank focused on serving small and middle-market businesses in the Western US. Its strengths lie in its relationship-based banking model and geographic presence. The company faces challenges from increased competition and economic uncertainty. Growth opportunities exist through organic expansion, strategic acquisitions, and increased focus on digital banking.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Analyst Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pacific Premier Bancorp Inc
Exchange NASDAQ | Headquaters Irvine, CA, United States | ||
IPO Launch date 1997-06-25 | Chairman, President & CEO Mr. Steven R. Gardner | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1325 | Website https://www.ppbi.com |
Full time employees 1325 | Website https://www.ppbi.com | ||
Pacific Premier Bancorp, Inc. operates as the bank holding company for Pacific Premier Bank that provides various banking products and services in the United States. The company accepts deposit products, which includes checking, money market, savings accounts, and certificates of deposit. Its loan portfolio includes commercial real estate owner and non-owner-occupied, multifamily, construction and land, franchise secured by real estate, and small business administration (SBA); revolving lines of credit, term loans, seasonal loans, and loans secured by liquid collateral, such as cash deposits or marketable securities; one-to-four family and home equity lines of credit loans; and small balance personal unsecured loans and savings account secured loans. It also offers cash management, online and mobile banking, and treasury management services, as well as payment processing, remote capture, and automated clearing house payment capabilities. In addition, it operates as a custodian for alternative assets held in qualified self-directed IRA accounts, including investments in private equity, real estate, notes, cash, and other non-exchange traded assets; and provides real-property and non-real property escrow services. The company serves small and middle-market businesses, corporations, professionals, real estate investors, non-profit organizations, and consumers. The company was founded in 1983 and is headquartered in Irvine, California.
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