Pacific Premier Bancorp Company Profile and Analysis

Pacific Premier Bancorp is a leading bank holding company in the United States. It was founded in 1983.

Pacific Premier Bancorp is headquartered in Irvine, California, and operates over 60 branches across the state.

The company offers a range of financial services, including business banking, personal banking, and wealth management.

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Pacific Premier Bancorp is a bank holding company that offers a range of deposit products and services, including checking, money marketing, lending, credit cards, online banking, mobile banking, treasury management, and saving accounts.

The bank also provides a variety of lending products such as commercial business loans, lines of credit, SBA loans, commercial real estate loans, agribusiness loans, API banking, franchise lending, home equity lines of credit, and construction loans.

Pacific Premier serves customers through depository branches in several states, including Washington, Oregon, Nevada, California, and Arizona.

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Pacific Premier Bancorp Inc is a bank holding company that offers a range of deposit products and services.

The company's portfolio includes checking and money marketing accounts, as well as lending products such as commercial business loans and lines of credit.

Pacific Premier serves customers through depository branches in five US states: Washington, Oregon, Nevada, California, and Arizona.

The bank is headquartered in Irvine, California, where it likely has a strong presence in the local business community.

Pacific Premier's services also include online banking, mobile banking, treasury management, and saving accounts, making it a one-stop-shop for customers' financial needs.

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The leadership team at Pacific Premier Bancorp, Inc. is made up of experienced individuals who have been with the company for a significant amount of time.

Steven Gardner serves as the CEO and has been in this position since January 31, 2000.

Ronald Nicolas is the Director of Finance/CFO and has been with the company since May 30, 2016.

Lori Wright is a Corporate Officer/Principal and has been with the company since an unspecified date.

Here's a breakdown of the key leadership positions and their corresponding ages:

The company also has a Chairman, with Steven Gardner and Jeffrey Jones holding this position since May 30, 2016, and July 31, 2012, respectively.

Pacific Premier Bancorp's financial performance has been impressive, with net income increasing to $113.8 million in 2020, up from $55.4 million in 2016.

The bank's total assets grew from $5.6 billion in 2016 to $11.6 billion in 2020, a significant increase of 106%. This expansion was largely driven by strategic acquisitions and organic growth.

Pacific Premier's efficiency ratio improved to 53.8% in 2020, down from 64.1% in 2016, indicating better cost management and revenue growth. This improvement in efficiency helped the bank to maintain its profitability despite the challenging economic environment.

The bank's return on equity (ROE) was 13.3% in 2020, a notable increase from 8.4% in 2016. This indicates that the bank is generating strong profits from its equity base.

Pacific Premier's focus on commercial lending and deposit gathering has been a key driver of its growth, with commercial loans increasing by 134% from 2016 to 2020.

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Pacific Premier Bancorp's valuation has fluctuated over the years, with its capitalization ranging from $220B to $90.54B.

The company's P/E ratio has also changed, increasing from 15.1x in 2024 to 19.9x in 2025, indicating a potential growth in earnings.

Here's a breakdown of the company's valuation metrics:

The company's free-float is not available, but its yield has been consistent, ranging from 5.05% to 5.3% in 2024 and 2025, respectively.

Pacific Premier Bank's growth through acquisition was a key strategy from 2011 to 2020.

In 2011, the company completed the acquisition of Canyon National Bank. This marked the beginning of a period of rapid expansion through strategic purchases.

The company continued to grow through acquisition with the purchase of Palm Desert National Bank on April 27, 2012.

On March 15, 2013, Pacific Premier Bancorp acquired First Associations Bank, a Texas-chartered bank headquartered in Dallas, Texas.

Just a few months later, on June 25, 2013, the company acquired San Diego Trust Bank.

In 2017, Pacific Premier Bank made another significant acquisition, buying Heritage Oaks Bancorp in April of that year.

The company's acquisition spree continued in 2018 with the purchase of Grandpoint Capital, Regents Bank, and the Biltmore Bank of Arizona, bringing in approximately $3.2 billion in total assets.

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Valuation is a critical aspect of investing, and it's essential to understand the various metrics used to evaluate a company's worth.

The P/E ratio, or price-to-earnings ratio, is a widely used metric that compares a company's stock price to its earnings per share. For Pacific Premier Bancorp, Inc., the P/E ratio in 2024 is 15.1x, indicating that investors are willing to pay $15.10 for every dollar of earnings.

In contrast, the P/E ratio in 2025 is projected to be 19.9x, suggesting that investors may be willing to pay more for the company's future earnings.

Here's a breakdown of the P/E ratio and other valuation metrics for Pacific Premier Bancorp, Inc. over the past few years:

The company's enterprise value, or EV, is another important metric that takes into account the company's debt and cash on hand. In 2024, the EV for Pacific Premier Bancorp, Inc. is $2.52B, indicating that the company's total value is $2.52 billion.

A lower EV/Sales ratio can indicate that a company is undervalued, while a higher ratio may suggest that the company is overvalued. For Pacific Premier Bancorp, Inc., the EV/Sales ratio in 2024 is 3.88x, and in 2025, it's projected to be 4.27x.

The free-float, or the portion of the company's outstanding shares available for trading, is not explicitly stated in the data. However, the yield, or the return on investment, is an essential metric for investors. In 2024, the yield for Pacific Premier Bancorp, Inc. is 5.3%, and in 2025, it's projected to be 5.05%.

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Analysts have been weighing in on Pacific Premier Bancorp's stock, and their recommendations are worth noting. Wedbush Trims Price Target on Pacific Premier Bancorp to $27 From $28, Keeps Neutral Rating.

Wedbush has adjusted its price target for Pacific Premier Bancorp multiple times in the past few months. They initially trimmed the target to $27, and later adjusted it to $25 from $23, while maintaining a neutral rating.

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Piper Sandler has also made changes to their price target for Pacific Premier Bancorp. They adjusted it to $26 from $31, while maintaining an Overweight Rating. This suggests that they still see the stock as a good investment opportunity.

Raymond James and Keefe, Bruyette & Woods have also provided updates on their price targets for Pacific Premier Bancorp. Raymond James adjusted their target to $25 from $29, while maintaining an Outperform Rating. Keefe, Bruyette & Woods adjusted their target to $27 from $29, while maintaining a Market Perform Rating.

Here's a summary of the analysts' recommendations:

Pacific Premier Bancorp is a leading commercial bank in the United States, with a strong presence in California and a growing presence in Arizona.

The bank has a market capitalization of over $5 billion, indicating its significant size and influence in the industry.

Pacific Premier Bancorp has a diverse portfolio of loans, with a significant portion of its assets invested in commercial and industrial loans, as well as construction and land development loans.

The bank's loan portfolio is well-diversified, with a mix of short-term and long-term loans, which helps to minimize risk and maximize returns.

Pacific Premier Bancorp has a strong track record of profitability, with a return on equity (ROE) of over 10% in recent years, indicating its ability to generate strong earnings for shareholders.

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Pacific Premier Bancorp has recently provided earnings guidance for the year 2025. The company's Q4 2024 earnings call was held on January 23, 2025.

Pacific Premier Bancorp's Q4 adjusted earnings decreased, but the company still managed to post revenue of $144.5 million, beating FactSet estimates of $143.3 million. The company's earnings per share (EPS) was $0.35, also exceeding FactSet estimates of $0.31.

Here are some key dates related to Pacific Premier Bancorp's recent earnings releases:

Pacific Premier Bancorp has also announced a quarterly cash dividend of $0.33 per share, as part of its fourth quarter 2024 financial results.

Pacific Premier Bancorp, Inc. has been making headlines recently. They provided earnings guidance for the year 2025 on January 23rd. This is a significant development for investors and stakeholders.

Pacific Premier Bancorp's Q4 2024 earnings call took place on January 23rd, where they discussed their financial performance. The company's Q4 adjusted earnings decreased, according to a report.

Here are some key numbers to keep in mind:

The company also reported earnings results for the fourth quarter and full year ended December 31, 2024, on January 23rd. Additionally, they reported net charge-offs for the fourth quarter ended December 31, 2024.

Pacific Premier Bancorp has made several announcements in recent days.

The company released its Q4 Earnings Snapshot on January 23, 2025. This marks the latest financial update from the bank.

Pacific Premier Bancorp provided an Investor Presentation on January 23, 2025, giving investors a closer look at the company's financials.

A quarterly cash dividend of $0.33 per share was announced on January 23, 2025. This is a significant development for investors who own shares in the company.

Pacific Premier Bancorp will announce its fourth quarter 2024 financial results on January 23, 2025. Investors can expect a detailed breakdown of the company's financial performance.

Here's a summary of the company's recent announcements:

Pacific Premier Bancorp has a 28-year stock price history, with an all-time high stock closing price of 98.58 on April 20, 1998.

The company's 52-week high stock price is 30.28, which is 26.7% above the current share price. The 52-week low stock price is 20.52, which is 14.1% below the current share price. The average stock price for the last 52 weeks is 24.50.

Here are some key statistics from Pacific Premier Bancorp's historical annual stock price data:

The company's market cap is not explicitly stated in the provided article section, but we can see that the stock price has fluctuated significantly over the years.

Pacific Premier Bancorp Inc is currently rated as a Zacks Rank 3, indicating an inline return from the PPBI shares relative to the market in the next few months.

The company's VGM Score of D suggests that it may not be a good fit for value investors, as its Value Score of D indicates it's potentially overvalued.

Pacific Premier Bancorp Inc has a Growth Score of F, which means it may struggle to outperform the market in terms of growth prospects.

However, the Momentum Score of A indicates that it's a good stock for momentum investors, suggesting that recent price changes and earnings estimate revisions are favorable.

The company's financial health and growth prospects demonstrate its potential to underperform the market, which is a key consideration for investors.

For investors looking for a more in-depth analysis, the detailed multi-page Analyst report provides a comprehensive overview of the company's vital statistics, including earnings and sales charts, and a bulleted list of reasons to buy or sell the stock.

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Pacific Premier Bancorp Inc has been publicly traded for an impressive 28 years, with a rich history that's worth exploring. The company's stock price has fluctuated over the years, with the all-time high closing price reaching $98.58 on April 20, 1998.

The 52-week high and low stock prices are 26.7% and 14.1% above and below the current share price, respectively. The average stock price for the last 52 weeks is $24.50.

Let's take a closer look at the company's historical annual stock price data. Here are the average stock prices for each year from 2000 to 2025:

The average stock price has fluctuated significantly over the years, with the highest average price in 2021 at $34.86 and the lowest in 2001 at $2.18.