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Investment Highlights Market Valuation Price Chart Business Description Interactive Breakdown Better Bets vs. PPBI Latest Trefis Analyses Trade Ideas Recent Active Movers More From Trefis Peer Financials Peer Growth & Margins Peer Valuation Peer Returns Peer Analyses FDIC Bank Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Industry Resource Links External Quote Links

Pacific Premier Bancorp (PPBI)

Market Price (9/30/2025): $24.63 | Market Cap: $2.3 Bil
Sector: Financials | Industry: Diversified Banks

Pacific Premier Bancorp (PPBI)

Market Price (9/30/2025): $24.63
Market Cap: $2.3 Bil
Sector: Financials
Industry: Diversified Banks

Investment Highlights

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 5.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 7.6%		  Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.9%, Rev Chg QQuarterly Revenue Change % is -8.2%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -62%		  
2 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 49%		  
3 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33%		  
4 Capital ratio is >2x the minimum of 6%
Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14%		  
5 Uninsured deposits are low
Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 27%		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 5.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 7.6%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -62%
2 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 49%
3 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33%
4 Capital ratio is >2x the minimum of 6%
Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14%
5 Uninsured deposits are low
Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 27%
6 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.9%, Rev Chg QQuarterly Revenue Change % is -8.2%

Market Valuation

 9/30/252024202320222021
Share Price CYE$24.63$23.86$26.38$26.99$32.96
Market Cap CYE ($ Bil)2.32.32.52.53.1
Total Debt ($ Bil)0.10.30.91.30.9
Total Cash ($ Bil)0.80.60.91.10.3
Enterprise Value ($ Bil)1.72.63.43.84.0
Valuation Ratios     
P/S TTM4.44.26.73.95.0
P/EBIT TTM0.00.00.00.00.0
P/E TTM17.014.888.810.411.0
Sector Ratios     
P/S TTM (Sector)3.23.12.82.83.4
P/EBIT TTM (Sector)6.96.87.07.07.0
P/E TTM (Sector)12.611.610.19.410.1
 9/30/2520242023
Share Price CYE$24.63$23.86$26.38
Market Cap CYE ($ Bil)2.32.32.5
Total Debt ($ Bil)0.10.30.9
Total Cash ($ Bil)0.80.60.9
Enterprise Value ($ Bil)1.72.63.4
Valuation Ratios   
P/S TTM4.44.26.7
P/EBIT TTM0.00.00.0
P/E TTM17.014.888.8
Sector Ratios   
P/S TTM (Sector)3.23.12.8
P/EBIT TTM (Sector)6.96.87.0
P/E TTM (Sector)12.611.610.1

Business Description

Pacific Premier Bancorp, Inc. operates as the bank holding company for Pacific Premier Bank that provides banking services to businesses, professionals, real estate investors, and non-profit organizations. The company accepts deposit products, such as checking, money market, and savings accounts; and certificates of deposit. Show more

Price Returns Compared

Expand for Detailed View

 202020212022202320242025Total [1]
Returns
PPBI Return0%32%-18%-2%-10%-100%�
Peers Return-11%25%-4%2%15%4%30%
S&P 500 Return16%27%-19%24%23%13%106%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: ABCB, AUB, EBC, FULT, BOH.
[3] 2025 data is for the year up to 9/29/2025 (YTD)

Better Bets than Pacific Premier Bancorp (PPBI)

 PPBIBetter Performance than PPBI
MetricValueIndustry (Diversified Banks)
Rev Chg LTM48.5%
Rev Chg 3Y Avg-1.9%JPM (13.5%), BAC (5.0%), WFC (2.8%), HSBC (8.3%), RY (9.9%)
CFO/Rev LTM34.1%RY (135.4%), BNS (52.2%), CM (61.6%), NTB (52.9%)
FCF/Rev LTM33.3%RY (131.7%), BNS (51.3%), CM (57.6%), NTB (48.0%)
Total Yield11.4%TD (15.3%), BNS (12.2%), USB (13.1%), TFC (12.7%), NTB (16.5%)
 PPBIBetter Performance than PPBI
MetricValueAll Other Sectors
Rev Chg LTM48.5%NVDA (71.6%), MU (58.2%), RDDT (70.0%), FANG (51.8%), AU (54.6%)
Rev Chg 3Y Avg-1.9%NVDA (92.0%), MSFT (12.5%), AAPL (1.8%), GOOGL (10.2%), AMZN (11.3%)
CFO/Rev LTM34.1%NVDA (46.6%), MSFT (48.3%), GOOGL (36.0%), META (56.4%), AVGO (42.4%)
FCF/Rev LTM33.3%NVDA (43.6%), AVGO (41.6%), PLTR (49.7%), APP (53.7%), ANET (50.0%)
Total Yield11.4%BABA (35.1%), TM (2129.3%), MRK (12.4%), VZ (16.2%), PFE (13.3%)

Latest Trefis Analyses

Trade Ideas

Select past trade ideas related to PPBI and Diversified Banks.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
FIS_8312025_Monopoly_xInd_xCD_Getting_Cheaper08312025FISFidelity National Information ServicesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-7.4%-7.4%-8.7%
FI_7312025_Monopoly_xInd_xCD_Getting_Cheaper07312025FIFiservMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-6.8%-6.8%-7.4%
MORN_7312025_Monopoly_xInd_xCD_Getting_Cheaper07312025MORNMorningstarMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-15.0%-15.0%-16.2%
RKT_7312025_Short_Squeeze07312025RKTRocket CompaniesSpecialShort Squeeze PotentialShort Squeeze Potential
Has potential for a short squeeze. High short interest, rising short interest and high debt.		32.1%32.1%0.0%
SII_7312025_Quality_Momentum_RoomToRun_10%07312025SIISprottQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		21.9%21.9%-6.7%
Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
FIS_8312025_Monopoly_xInd_xCD_Getting_Cheaper08312025FISFidelity National Information ServicesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-7.4%-7.4%-8.7%
FI_7312025_Monopoly_xInd_xCD_Getting_Cheaper07312025FIFiservMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-6.8%-6.8%-7.4%
MORN_7312025_Monopoly_xInd_xCD_Getting_Cheaper07312025MORNMorningstarMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-15.0%-15.0%-16.2%
RKT_7312025_Short_Squeeze07312025RKTRocket CompaniesSpecialShort Squeeze PotentialShort Squeeze Potential
Has potential for a short squeeze. High short interest, rising short interest and high debt.		32.1%32.1%0.0%
SII_7312025_Quality_Momentum_RoomToRun_10%07312025SIISprottQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		21.9%21.9%-6.7%

See Trefis Trade Ideas for more.

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1FTELFitell1068.4%-96.0%
2WOLFWolfspeed886.6%231.8%
3WHLRWheeler Real Estate Investment Trust404.4%-99.7%
4MNDRMobile-health Network Solutions388.0%-71.1%
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6NUAINew Era Energy & Digital311.7% 
7BQBoqii208.5%153.9%
8DVLTDatavault AI180.5% 
9DFLIDragonfly Energy132.9%-76.4%
10SHFSSHF130.9%-18.7%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1WOKWORK Medical Technology-91.5%-98.5%
2KALAKala Bio-89.0%-70.5%
3MLTXMoonLake Immunotherapeutics-88.6%-88.5%
4SDMSmart Digital-87.5%-83.8%
5NRIMNorthrim BanCorp-76.1%14.0%
6IOBTIO Biotech-75.5%-60.3%
7ZYBTZhengye Biotechnology-74.9% 
8AMBIAmbipar Emergency Response-74.0%-78.8%
9FGLFounder-63.8%-64.3%
10BINIBollinger Innovations-63.6%-100.0%

1 Month Top Gainers

#TickerCompany1M RtnYTD Rtn
1PMIPicard Medical13709.5%13709.5%
2TNFATNF Pharmaceuticals7529.9%-95.9%
3QMMMQMMM2749.6%9228.1%
4WOLFWolfspeed1757.1%231.8%
5EAFGrafTech International1199.0%-24.2%
6SEGGLottery.com646.7%-7.9%
7SLNHSoluna435.8%20.0%
8PTNMPitanium433.3% 
9NUAINew Era Energy & Digital395.6% 
10BREABrera380.3%3593.8%

1 Month Top Losers

#TickerCompany1M RtnYTD Rtn
1BINIBollinger Innovations-96.1%-100.0%
2WOKWORK Medical Technology-90.8%-98.5%
3CJETChijet Motor-90.3%-92.7%
4MLTXMoonLake Immunotherapeutics-88.6%-88.5%
5YAASYouxin Technology-85.8%-98.9%
6ATYRaTyr Pharma-85.1%-78.0%
7CURXCuranex Pharmaceuticals-84.9%28.8%
8YYGHYY-84.6%-80.3%
9NEONNeonode-84.6%-58.7%
10SDMSmart Digital-82.5%-83.8%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1FTELFitell1068.4%-96.0%
2WOLFWolfspeed886.6%231.8%
3WHLRWheeler Real Estate Investment Trust404.4%-99.7%
4MNDRMobile-health Network Solutions388.0%-71.1%
5QUREuniQure329.5%236.4%
6NUAINew Era Energy & Digital311.7% 
7BQBoqii208.5%153.9%
8DVLTDatavault AI180.5% 
9DFLIDragonfly Energy132.9%-76.4%
10SHFSSHF130.9%-18.7%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1WOKWORK Medical Technology-91.5%-98.5%
2KALAKala Bio-89.0%-70.5%
3MLTXMoonLake Immunotherapeutics-88.6%-88.5%
4SDMSmart Digital-87.5%-83.8%
5NRIMNorthrim BanCorp-76.1%14.0%
6IOBTIO Biotech-75.5%-60.3%
7ZYBTZhengye Biotechnology-74.9% 
8AMBIAmbipar Emergency Response-74.0%-78.8%
9FGLFounder-63.8%-64.3%
10BINIBollinger Innovations-63.6%-100.0%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for Pacific Premier Bancorp

Financials

PPBIABCBAUBEBCFULTBOHMedian
NamePacific .Ameris B.Atlantic.Eastern .Fulton F.Bank of . 
Mkt Price-74.3435.6018.1618.7365.5735.60
Mkt Cap2.35.15.03.63.42.63.5
Rev LTM5301,1261,0526171,290662857
Op Inc LTM-------
FCF LTM1763942,125355144156266
FCF 3Y Avg247401919250459183325
CFO LTM1814112,132368198177283
CFO 3Y Avg252417924260494201338

Growth & Margins

PPBIABCBAUBEBCFULTBOHMedian
NamePacific .Ameris B.Atlantic.Eastern .Fulton F.Bank of . 
Rev Chg LTM48.5%5.9%41.2%-1.8%20.3%6.6%13.5%
Rev Chg 3Y Avg-1.9%4.6%17.3%14.0%11.1%-0.7%7.9%
Rev Chg Q-8.2%0.7%94.0%58.6%21.2%10.4%15.8%
QoQ Delta Rev Chg LTM-2.1%0.2%22.7%17.1%4.6%2.5%3.5%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM34.1%36.5%202.6%59.7%15.4%26.8%35.3%
CFO/Rev 3Y Avg46.8%38.5%97.2%52.3%44.5%30.9%45.7%
FCF/Rev LTM33.3%35.0%202.0%57.5%11.1%23.5%34.1%
FCF/Rev 3Y Avg45.8%37.1%96.5%50.3%41.5%28.1%43.7%

Valuation

PPBIABCBAUBEBCFULTBOHMedian
NamePacific .Ameris B.Atlantic.Eastern .Fulton F.Bank of . 
Mkt Cap2.35.15.03.63.42.63.5
P/S4.44.54.85.82.63.94.5
P/EBIT-------
P/E16.913.024.7-57.410.515.214.1
P/CFO12.912.42.49.817.214.612.6
Total Yield11.4%8.6%4.6%0.9%9.5%10.9%9.1%
Dividend Yield5.5%1.0%0.6%2.7%0.0%4.3%1.8%
FCF Yield 3Y Avg12.2%13.3%25.2%10.2%19.8%8.5%12.7%
D/E0.10.10.20.00.50.30.1
Net D/E-0.6-0.4-0.2-0.2-0.5-0.9-0.4

Returns

PPBIABCBAUBEBCFULTBOHMedian
NamePacific .Ameris B.Atlantic.Eastern .Fulton F.Bank of . 
1M Rtn-1.4%-0.4%6.1%-4.7%-3.7%-0.4%
3M Rtn-14.9%15.1%19.8%3.8%-1.9%14.9%
6M Rtn-29.5%16.9%12.6%5.6%-2.9%12.6%
12M Rtn-22.7%-0.2%16.1%8.6%10.3%10.3%
3Y Rtn-72.5%32.7%1.2%33.5%-0.4%32.7%
1M Excs Rtn--1.4%-2.2%4.4%-7.2%-6.8%-2.2%
3M Excs Rtn-7.5%7.7%12.5%-3.5%-9.3%7.5%
6M Excs Rtn-11.7%-0.7%-6.2%-13.0%-21.7%-6.2%
12M Excs Rtn-6.5%-16.3%0.9%-7.2%-5.4%-5.4%
3Y Excs Rtn--13.7%-55.2%-80.9%-47.2%-80.3%-55.2%

FDIC Bank Data

Bank Loans

[valid:true, table:

FDIC Data As Of3312020
LOAN DETAILS 
All Real Estate Loans ($ Bil)7
Farm Loans ($ Bil)0
Commercial and Industrial Loans ($ Bil)2
Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)0
Commercial Real Estate Loans not Secured by Real Estate ($ Bil)0
Commercial Real Estate Owner-Occupied ($ Bil)2
Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)2
Total Net Loans ($ Bil)9
, map:[FDIC Data As Of:3312020, LOAN DETAILS:null, All Real Estate Loans ($ Bil):6.778543, Farm Loans ($ Bil):0.133034, Commercial and Industrial Loans ($ Bil):1.768826, Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil):0.045798, Commercial Real Estate Loans not Secured by Real Estate ($ Bil):0.006228, Commercial Real Estate Owner-Occupied ($ Bil):2.143209, Commercial Real Estate Other Non-Farm Non-Residential ($ Bil):2.130655, Total Net Loans ($ Bil):8.639558]]

Financials

$ Mil | FY: 12/312025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q3
Period End6/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/20233/31/202312/31/20229/30/2022
Filing Date8/1/20255/2/20252/28/202510/29/20247/26/20244/26/20242/23/202410/26/20237/28/20234/28/20232/24/202311/4/2022
Key Financials Quarterly            
Total Revenue130131132137141157-99157171181194196
Net Income323634364247-1354658637473
EPS0.330.370.350.370.430.49-1.440.480.600.660.780.77
Key Financials TTM            
Total Revenue TTM530541568337357386409703742760763762
Net Income TTM138148159-10-01531240267279284295
Growth Rates Quarterly            
Total Revenue Growth-8.2%-16.7%233.6%-12.9%-17.2%-12.9%-150.9%-19.8%-9.9%-1.2%0.6%0.9%
Net Income Growth-23.5%-23.4%125.0%-21.8%-27.3%-24.8%-283.8%-37.3%-17.4%-6.5%-13.2%-18.6%
Margins Quarterly            
Net Income Margin24.7%27.5%25.6%26.3%29.6%29.9%-29.4%33.7%34.6%37.9%37.5%
Cash & Debt            
Total Cash1,5691,6931,4072,3002,2212,1842,0783,3163,4773,5393,7043,402
Total Debt1242732722725325329321,1321,1321,1311,331931
Net Debt / (Cash)-1,445-1,421-1,135-2,028-1,689-1,652-1,146-2,184-2,345-2,408-2,373-2,471
Cash Flows Quarterly            
FCF from Operations562241626757-18921017578123
Cash Flows TTM            
FCF from Operations TTM181191226168198233251346377354411397
Returns to Shareholders Quarterly            
Dividends323232323232323232313131
Share Repurchases-0-00-0-0-0000600
Return on Invested Capital (ROIC) Quarterly            
ROIC14.4%15.9%11.4%50.9%27.7%29.8%-47.8%-----
Return on Invested Capital (ROIC) TTM            
ROIC TTM15.5%16.3%13.4%-3.7%-0.1%2.1%2.7%-----

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Single Segment409763750622463
Total409763750622463


Price Behavior

PPBI Betas & Captures as of 8/31/2025

 1M2M3M6M1Y3Y
Beta2.092.292.010.971.101.22
Up Beta3.013.202.880.780.961.20
Down Beta1.101.031.891.051.021.04
Up Capture270%237%176%110%131%172%
Bmk +ve Days10223571142415
Stock +ve Days11223357117343
Down Capture113%210%168%113%121%106%
Bmk -ve Days11192754106334
Stock -ve Days9192968130399

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Earnings Returns History

Expand for More

 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/24/20256.7%4.0%16.6%
4/23/20255.6%1.1%6.9%
1/23/20252.0%5.6%0.0%
10/24/2024-3.3%0.1%9.3%
7/24/20240.6%1.9%-6.4%
4/24/20240.6%-4.9%3.5%
1/29/20240.2%-10.0%-15.5%
10/24/2023-1.6%0.9%24.9%
...
SUMMARY STATS   
# Positive181415
# Negative6109
Median Positive0.9%3.1%8.7%
Median Negative-2.5%-5.9%-6.4%
Max Positive6.7%11.3%24.9%
Max Negative-5.9%-10.0%-15.5%

SEC Filings

Expand for More

Report DateFiling DateFiling
6302025801202510-Q 6/30/2025
3312025502202510-Q 3/31/2025
12312024228202510-K 12/31/2024
93020241029202410-Q 9/30/2024
6302024726202410-Q 6/30/2024
3312024426202410-Q 3/31/2024
12312023223202410-K 12/31/2023
93020231026202310-Q 9/30/2023
6302023728202310-Q 6/30/2023
3312023428202310-Q 3/31/2023
12312022224202310-K 12/31/2022
93020221104202210-Q 9/30/2022
6302022805202210-Q 6/30/2022
3312022506202210-Q 3/31/2022
12312021225202210-K 12/31/2021
93020211105202110-Q 9/30/2021

Insider Activity

Expand for More

 OwnerTitleFiling DateActionPriceSharesTransacted
Value		Value of
Held Shares		Form
0WILCOX EDWARD EARLPresident & COO5022025Sell20.2814,500294,0602,844,939Form
1Karr Michael SSEVP & Chief Risk Officer12192024Sell26.8710,290276,4922,135,466Form
2Ohlhaver Margaret S.Sr.EVP, Chf Human Res. Officer11082024Sell27.969,273259,255712,230Form
3JONES JEFF C 9102024Sell23.6211,251265,7492,924,014Form

Industry Resources

External Quote Links


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