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

Company Overview

Pacific Premier Bancorp, Inc. is the bank holding company for Pacific Premier Bank, a full-service commercial bank headquartered in Irvine, California. Founded in 1983, the company has grown through a combination of organic expansion and strategic acquisitions, including the merger with Opus Bank in 2020. Pacific Premier Bancorp provides a range of banking and financial services tailored to small and mid-sized businesses, professionals, and affluent individuals.

The company’s core offerings include commercial lending, treasury management, deposit products, and investment services. Commercial lending products feature equipment financing, commercial real estate loans, and lines of credit designed to support working capital needs. On the deposit side, Pacific Premier Bancorp provides checking, savings, and money market accounts alongside certificates of deposit, supported by online and mobile banking platforms. The company also offers comprehensive wealth management services through its affiliated investment advisory arm, helping clients develop customized financial plans and manage portfolios.

With a presence in California, Washington, Nevada, and Arizona, Pacific Premier Bancorp serves a diverse customer base across key West Coast and Southwestern markets. The bank’s branch network and regional lending teams focus on cultivating deep relationships within local communities, offering personalized service and industry expertise in sectors such as real estate, healthcare, professional services, and technology. Treasury management solutions, including ACH origination, wire transfers, and fraud prevention tools, help commercial clients streamline cash flow and safeguard receivables.

Under the leadership of Chairman and Chief Executive Officer Paul H. Cummings Jr., Pacific Premier Bancorp emphasizes disciplined credit practices and targeted growth initiatives. The company maintains a focus on operational efficiency and risk management while investing in digital platforms to enhance the customer experience. Governance is overseen by an experienced board of directors, with committees dedicated to audit, risk, and compensation oversight, reflecting the company’s commitment to sound corporate stewardship.

Key Stats

• Today's Range: $22.32 to $22.75
• 50-Day Range: $20.12 to $23.10
• 52-Week Range: $18.06 to $30.28
• Volume: 601,209 shs
• Average Volume: 707,698 shs
• Market Capitalization: $2.18 billion
• P/E Ratio: 14.80
• Dividend Yield: 5.87%
• Price Target: $27.25
• Consensus Rating: Hold

Pacific Premier Bancorp Stock Analysis - MarketRank™

Pacific Premier Bancorp scored higher than 77% of companies evaluated by MarketBeat, and ranked 331st out of 935 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: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

Pacific Premier Bancorp has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on 1 buy rating, 3 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Pacific Premier Bancorp has only been the subject of 1 research reports 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 14.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.26.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pacific Premier Bancorp is 14.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.26.

Price to Book Value per Share Ratio

Pacific Premier Bancorp has a P/B Ratio of 0.74. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.08% of the float of Pacific Premier Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pacific Premier Bancorp has a short interest ratio ("days to cover") of 2, 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 increased by 15.88%, indicating that investor sentiment is decreasing 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 5.78%, 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 86.84%. 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

2.08% of the float of Pacific Premier Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pacific Premier Bancorp has a short interest ratio ("days to cover") of 2, 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 increased by 15.88%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 1.66

News Sentiment

Pacific Premier Bancorp has a news sentiment score of 1.66. 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 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Pacific Premier Bancorp this week, compared to 3 articles on an average week.

MarketBeat Follows

1 people have added Pacific Premier Bancorp to their MarketBeat watchlist in the last 30 days.

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 $294,060.00 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 at the start of the year. Since then, PPBI stock has decreased by 9.5% and is now trading at $22.5450.

How were Pacific Premier Bancorp's earnings last quarter?

Pacific Premier Bancorp Inc (NASDAQ:PPBI) announced its earnings results on Wednesday, April, 23rd. The financial services provider reported $0.37 earnings per share for the quarter, beating the consensus estimate of $0.30 by $0.07. The financial services provider had revenue of $144.83 million for the quarter, compared to the consensus estimate of $143.25 million. Pacific Premier Bancorp had a net margin of 16.89% and a trailing twelve-month return on equity of 5.01%.
Read the conference call transcript.

Who are Pacific Premier Bancorp's major shareholders?

Top institutional shareholders of Pacific Premier Bancorp include Assenagon Asset Management S.A. (0.09%), Wealth Enhancement Advisory Services LLC (0.02%) and Pallas Capital Advisors LLC (0.01%). Insiders that own company stock include Steven R Gardner, Edward Earl Wilcox, Jeff C Jones, Joseph L Garrett, Michael S Karr, Tom Rice, 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: 4/23/2025
• Record date for 5/12 Dividend: 5/05/2025
• Ex-Dividend for 5/12 Dividend: 5/05/2025
• Dividend Payable: 5/12/2025
• Today: 7/14/2025
• Next Earnings (Estimated): 7/23/2025
• 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: $27.25
• High Price Target: $30.00
• Low Price Target: $25.00
• Potential Upside/Downside: +21.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.52
• Trailing P/E Ratio: 14.71
• Forward P/E Ratio: 16.69
• P/E Growth: N/A
• Net Income: $158.80 million
• Net Margins: 16.89%
• Pretax Margin: 22.44%
• Return on Equity: 5.01%
• Return on Assets: 0.82%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 0.85
• Quick Ratio: 0.85

Sales & Book Value

• Annual Sales: $905.41 million
• Price / Sales: 2.40
• Cash Flow: $1.63 per share
• Price / Cash Flow: 13.68
• Book Value: $30.65 per share
• Price / Book: 0.73

Miscellaneous

• Outstanding Shares: 97,030,000
• Free Float: 94,803,000
• Market Cap: $2.17 billion
• Optionable: Optionable
• Beta: 1.16