Pacific Premier Bancorp (PPBI) Stock Price, News & Analysis

Company Overview

Pacific Premier Bancorp is a bank holding company headquartered in Irvine, California, operating through its principal subsidiary, Pacific Premier Bank. The company provides a range of commercial and consumer banking services, focusing on relationship-driven lending and deposit products. Its client base includes small and medium-sized businesses, professionals, and individuals seeking customized banking solutions.

Through Pacific Premier Bank, the company offers commercial real estate lending, construction and land development financing, equipment leasing, and working capital lines of credit. Deposit products include business checking and savings accounts, interest-bearing checking, money market accounts, and certificates of deposit. In addition, the bank delivers treasury management services such as online cash management, automated clearing house (ACH) origination, and merchant services to help clients optimize liquidity and payment processing.

Pacific Premier Bancorp also provides private banking and wealth management solutions, offering clients personalized investment management, trust administration, and estate planning services. These offerings are supported by a digital banking platform that enables online account opening, bill pay, mobile deposits, and real-time account monitoring. The company emphasizes a relationship-based approach, pairing clients with dedicated teams to address financial needs and strategic goals.

Founded in 1983, Pacific Premier Bancorp has grown organically and through strategic acquisitions to expand its footprint across the Western United States. The company serves communities in California, Washington, Arizona, Colorado, and Nevada with more than 80 full-service branches. Under the leadership of President and Chief Executive Officer Douglas A. Hance Jr., Pacific Premier continues to pursue targeted growth opportunities while maintaining a focus on credit quality and client service.

Key Stats

• Today's Range: $24.49 to $24.49
• 50-Day Range: $21.16 to $24.63
• 52-Week Range: $18.06 to $30.28
• Volume: N/A
• Average Volume: 1.86 million shs
• Market Capitalization: $2.38 billion
• P/E Ratio: 17.25
• Dividend Yield: 5.39%
• Price Target: $27.50
• Consensus Rating: Hold

Pacific Premier Bancorp Stock Analysis - MarketRank™

Pacific Premier Bancorp scored higher than 75% of companies evaluated by MarketBeat, and ranked 402nd out of 959 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.0 / 5
• Analyst Rating: Hold

Consensus Rating

Pacific Premier Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Pacific Premier Bancorp has a consensus price target of $27.50, representing about 12.3% upside from its current price of $24.49.

Amount of Analyst Coverage

Pacific Premier Bancorp has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 14.93%

Earnings Growth

Earnings for Pacific Premier Bancorp are expected to grow by 14.93% in the coming year, from $1.34 to $1.54 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Pacific Premier Bancorp is 17.25, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 268.40.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pacific Premier Bancorp is 17.25, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 237.87.

Price to Book Value per Share Ratio

Pacific Premier Bancorp has a P/B Ratio of 0.80. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.70% of the outstanding shares of Pacific Premier Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Pacific Premier Bancorp has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pacific Premier Bancorp has recently decreased by 15.82%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

Pacific Premier Bancorp is a leading dividend payer. It pays a dividend yield of 5.39%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Pacific Premier Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Pacific Premier Bancorp is 92.96%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on EPS estimates, Pacific Premier Bancorp will have a dividend payout ratio of 85.71% in the coming year. This indicates that Pacific Premier Bancorp may not be able to sustain their current dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.70% of the outstanding shares of Pacific Premier Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Pacific Premier Bancorp has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pacific Premier Bancorp has recently decreased by 15.82%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 1.77

News Sentiment

Pacific Premier Bancorp has a news sentiment score of 1.77. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.06 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Pacific Premier Bancorp this week, compared to 4 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Pacific Premier Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $112,700.00 in company stock.

Percentage Held by Insiders

Only 2.29% of the stock of Pacific Premier Bancorp is held by insiders.

Percentage Held by Institutions

93.11% of the stock of Pacific Premier Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PPBI Stock Analysis - Frequently Asked Questions

How have PPBI shares performed this year?

Pacific Premier Bancorp's stock was trading at $24.92 on January 1st, 2025. Since then, PPBI stock has decreased by 1.7% and is now trading at $24.49.

How were Pacific Premier Bancorp's earnings last quarter?

Pacific Premier Bancorp Inc (NASDAQ:PPBI) posted its earnings results on Thursday, July, 24th. The financial services provider reported $0.39 EPS for the quarter, topping the consensus estimate of $0.34 by $0.05. The financial services provider earned $145.64 million during the quarter, compared to analyst estimates of $147.67 million. Pacific Premier Bancorp had a net margin of 16.13% and a trailing twelve-month return on equity of 4.85%.

Who are Pacific Premier Bancorp's major shareholders?

Pacific Premier Bancorp's top institutional investors include State Street Corp (5.48%), Invesco Ltd. (2.67%), Geode Capital Management LLC (2.46%) and HoldCo Asset Management LP (2.41%). Insiders that own company stock include Steven R Gardner, Edward Earl Wilcox, Jeff C Jones, Joseph L Garrett, Michael S Karr, Tom Rice, Steven R Arnold, Lori R Wright, Margaret S Ohlhaver, Tamara Wendoll, Sherri V Scott and Barbara Polsky.
View institutional ownership trends.

How do I buy shares of Pacific Premier Bancorp?

Shares of PPBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pacific Premier Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pacific Premier Bancorp investors own include NVIDIA (NVDA), JPMorgan Chase & Co. (JPM), Tesla (TSLA), Advanced Micro Devices (AMD), Meta Platforms (META), Netflix (NFLX) and Visa (V).

Company Calendar

• Last Earnings: 7/24/2025
• Record date for 8/15 Dividend: 8/05/2025
• Ex-Dividend for 8/15 Dividend: 8/05/2025
• Dividend Payable: 8/15/2025
• Today: 9/12/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PPBI
• CIK: 1028918
• Web: www.ppbi.com
• Phone: (949) 864-8000
• Fax: 302-655-5049
• Employees: 1,325
• Year Founded: 1983

Price Target and Rating

• Average Price Target for Pacific Premier Bancorp: $27.50
• High Price Target: $30.00
• Low Price Target: $25.00
• Potential Upside/Downside: +12.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.42
• Trailing P/E Ratio: 17.25
• Forward P/E Ratio: 18.28
• P/E Growth: N/A
• Net Income: $158.80 million
• Net Margins: 16.13%
• Pretax Margin: 21.34%
• Return on Equity: 4.85%
• Return on Assets: 0.80%

Debt

• Debt-to-Equity Ratio: 0.04
• Current Ratio: 0.86
• Quick Ratio: 0.86

Sales & Book Value

• Annual Sales: $905.41 million
• Price / Sales: 2.62
• Cash Flow: $1.63 per share
• Price / Cash Flow: 14.98
• Book Value: $30.68 per share
• Price / Book: 0.80

Miscellaneous

• Outstanding Shares: 96,990,000
• Free Float: 94,770,000
• Market Cap: $2.38 billion
• Optionable: Optionable
• Beta: 1.20