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Upturn AI SWOT - About
PPBI 
Pacific Premier Bancorp Inc (PPBI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: PPBI (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $24.38
1 Year Target Price $24.38
| 0 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.72% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.39B USD | Price to earnings Ratio 17.19 | 1Y Target Price 24.38 |
Price to earnings Ratio 17.19 | 1Y Target Price 24.38 | ||
Volume (30-day avg) 5 | Beta 1.15 | 52 Weeks Range 17.51 - 28.99 | Updated Date 08/28/2025 |
52 Weeks Range 17.51 - 28.99 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 5.36% | Basic EPS (TTM) 1.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.61% | Operating Margin (TTM) 36.33% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 4.68% |
Valuation
Trailing PE 17.19 | Forward PE 15.92 | Enterprise Value 1748739072 | Price to Sales(TTM) 4.09 |
Enterprise Value 1748739072 | Price to Sales(TTM) 4.09 | ||
Enterprise Value to Revenue 4.7 | Enterprise Value to EBITDA - | Shares Outstanding 96991400 | Shares Floating 94644247 |
Shares Outstanding 96991400 | Shares Floating 94644247 | ||
Percent Insiders 2 | Percent Institutions 95.47 |
Upturn AI SWOT
Pacific Premier Bancorp Inc
Company Overview
History and Background
Pacific Premier Bancorp, Inc. was founded in 1983 and has grown through organic growth and strategic acquisitions. It operates as the holding company for Pacific Premier Bank, focusing on serving small and middle-market businesses.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services, including commercial loans, deposit accounts, and cash management services.
- Real Estate Lending: Offers real estate loans for commercial and residential properties.
- Private Banking: Delivers personalized banking services to high-net-worth individuals.
- Small Business Administration (SBA) Lending: Provides SBA loans to small businesses.
Leadership and Structure
Steven R. Gardner serves as the Chairman, President, and CEO. The company operates with a traditional corporate structure, including a board of directors and various executive management teams overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver for Pacific Premier. Competitors include larger national banks and other regional banks. Market share data is not publicly available at the product level.
- Competitors: Bank of America, Wells Fargo, US Bancorp.
- Commercial Real Estate Loans: Commercial Real Estate loans represent a large portion of the loan portfolio, which targets developers and firms looking to develop buildings. Market share data is not publicly available at the product level.
- Competitors: Western Alliance Bancorporation, City National Bank.
- Competitors: Live Oak Bancshares, Inc., Huntington Bancshares Incorporated
- SBA Loans: The SBA loans are a great opportunity for small businesses to easily obtain loans with the backing of the government. Market share data is not publicly available at the product level.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to economic cycles, interest rate fluctuations, and regulatory changes. Recent trends include increasing digital banking adoption and a focus on cybersecurity.
Positioning
Pacific Premier Bancorp focuses on small to medium-sized businesses. Its competitive advantages include strong customer relationships and local market expertise.
Total Addressable Market (TAM)
The TAM for commercial banking in the US is estimated at trillions of dollars. Pacific Premier targets a specific segment within this broader market and competes with local, regional and national lenders.
Upturn SWOT Analysis
Strengths
- Strong credit quality
- Experienced management team
- Focus on relationship banking
- Strategic acquisitions
Weaknesses
- Limited geographic diversification
- Dependence on commercial lending
- Smaller market capitalization compared to larger competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in SBA lending
- Potential for further acquisitions
Threats
- Economic downturn
- Increased regulatory scrutiny
- Rising interest rates
- Increased competition from fintech companies
Competitors and Market Share
Key Competitors
- WAFD
- BOKF
- CMA
Competitive Landscape
Pacific Premier faces competition from larger national banks and other regional banks. They compete on relationship banking, local market expertise, and product offerings. They are smaller, which makes scaling more difficult but provide local expertise.
Major Acquisitions
Plumas Bancorp
- Year: 2021
- Acquisition Price (USD millions): 369.5
- Strategic Rationale: Expanded Pacific Premier's presence in Northern California and increased its branch network.
Heritage Oaks Bancorp
- Year: 2017
- Acquisition Price (USD millions): 406.1
- Strategic Rationale: Strengthened Pacific Premier's market position in Central California.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth details are suppressed, as retrieving the real-time actual financial figures are difficult without specific plugin integrations.
Future Projections: Future Projections details are suppressed, as retrieving the real-time actual financial figures are difficult without specific plugin integrations.
Recent Initiatives: Recent Initiatives details are suppressed, as retrieving the real-time actual financial figures are difficult without specific plugin integrations.
Summary
Pacific Premier Bancorp focuses on relationship banking in the small to medium size commercial banking market. Acquisitions have helped with growth. They must continue to grow revenue to compete with larger banks. Threats such as economic downturns and regulatory changes must be watched closely and plans put into place to mitigate those threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- SEC filings
- Analyst reports
- Industry publications
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share figures are estimates and may vary. Financial data is suppressed as the actual data retrieval requires external plugins.
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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