Pacific Premier Financials

PPBI Stock  USD 28.40  0.33  1.15%   
Based on the analysis of Pacific Premier's profitability, liquidity, and operating efficiency, Pacific Premier Bancorp is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in January. As of now, Pacific Premier's Property Plant And Equipment Net is increasing as compared to previous years. The Pacific Premier's current Retained Earnings is estimated to increase to about 634.3 M, while Other Current Liabilities is projected to decrease to under 5.2 B. Key indicators impacting Pacific Premier's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.07780.0701
Significantly Up
Very volatile
Return On Assets0.00310.0016
Way Up
Slightly volatile
Return On Equity0.01120.0107
Sufficiently Up
Slightly volatile
Debt Equity Ratio0.310.3233
Sufficiently Down
Slightly volatile
Operating Income32.3 M34 M
Notably Down
Slightly volatile
Current Ratio0.180.1854
Fairly Down
Slightly volatile
The essential information of the day-to-day investment outlook for Pacific Premier includes many different criteria found on its balance sheet. An individual investor should monitor Pacific Premier's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Pacific Premier.

Net Income

47.99 Million

  

Pacific Premier Stock Summary

Pacific Premier competes with Community West, Heritage Financial, First Financial, Sierra Bancorp, and Peoples Bancorp. 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. Pacific Premier Bancorp, Inc. was founded in 1983 and is headquartered in Irvine, California. Pacific Premier operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1520 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS69478X1054
CUSIP69478X105 53184P101 53184P200
LocationCalifornia; U.S.A
Business Address17901 Von Karman
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.ppbi.com
Phone949 864 8000
CurrencyUSD - US Dollar

Pacific Premier Key Financial Ratios

Pacific Premier Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets11.8B19.7B21.1B21.7B19.0B20.0B
Other Current Liab13.1B12.7B12.1B13.2B5.4B5.2B
Net Debt402.6M(351.1M)581.6M228.2M(5.6M)(5.3M)
Retained Earnings396.1M330.6M542.0M700.0M604.1M634.3M
Cash329.6M883.6M306.9M1.1B936.5M983.3M
Other Assets7.7B9.8B10.7B12.9B(32.7M)(31.1M)
Net Receivables39.4M74.6M65.7M73.8M68.5M71.9M
Total Liab733.5M532.5M888.6M18.9B16.1B17.0B
Total Current Assets1.7B4.9B4.6B3.8B1.0B1.8B
Short Term Debt506.3M31.0M577.4M219.7M479.2M268.2M
Common Stock586K931K929K933K938K984.9K
Other Liab33.6M17.9M23.7M41.5M47.7M50.1M
Accounts Payable8.9B243.2M17.1B(13.4B)(15.4B)(14.6B)
Long Term Debt732.2M501.5M888.6M1.3B931.8M978.4M
Inventory(369.4M)(958.2M)(372.6M)(1.2B)868.0M911.4M
Other Current Assets369.4M958.2M372.6M1.2B1.0B2.0B
Intangible Assets83.3M85.5M69.6M55.6M43.3M33.7M
Net Tangible Assets1.1B1.8B1.9B1.8B2.1B2.2B
Good Will808.7M808.3M898.6M901.3M1.0B541.4M
Long Term Debt Total215.1M501.5M330.6M331.2M380.9M399.9M
Capital Surpluse1.6B2.4B2.4B2.4B2.7B2.9B

Pacific Premier Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense78.8M56.5M34.4M71.5M262.9M276.1M
Total Revenue463.2M622.3M750.1M762.6M888.0M932.4M
Gross Profit463.2M622.3M750.1M762.6M888.0M932.4M
Operating Income217.8M72.6M460.8M455.8M34.0M32.3M
Ebit217.8M59.3M460.8M384.4M34.0M32.3M
Ebitda235.0M89.7M492.7M413.1M34.0M32.3M
Income Before Tax217.8M72.6M460.8M384.4M34.0M66.8M
Net Income159.7M60.4M339.9M283.7M30.9M48.0M
Income Tax Expense58.0M12.3M120.9M100.6M3.2M3.0M
Tax Provision58.0M12.3M120.9M100.6M85.9M61.4M
Net Interest Income447.3M574.2M662.4M697.1M659.6M481.6M
Interest Income526.1M630.7M696.7M768.6M888.6M551.7M

Pacific Premier Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash123.4M553.9M(576.1M)796.5M(164.8M)(156.5M)
Free Cash Flow163.9M200.9M310.9M403.6M244.4M256.6M
Depreciation27.1M30.4M31.9M28.7M26.1M27.5M
Other Non Cash Items(21.2M)142.1M(123.9M)(7.3M)250.2M262.7M
Capital Expenditures18.8M11.4M9.3M7.5M6.6M4.8M
Net Income159.7M60.4M339.9M283.7M30.9M48.1M
End Period Cash Flow326.9M880.8M304.7M1.1B936.5M983.3M
Investments(98.3M)(633.3M)(829.2M)(499.7M)2.0B2.1B
Change To Netincome(3.2M)154M(81.8M)38.6M44.4M26.0M
Net Borrowings(46.7M)(548.6M)355.3M(358M)(322.2M)(306.1M)

Pacific Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Pacific Premier's current stock value. Our valuation model uses many indicators to compare Pacific Premier value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Pacific Premier competition to find correlations between indicators driving Pacific Premier's intrinsic value. More Info.
Pacific Premier Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . As of now, Pacific Premier's Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Pacific Premier's earnings, one of the primary drivers of an investment's value.

Pacific Premier Bancorp Systematic Risk

Pacific Premier's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Pacific Premier volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Pacific Premier Bancorp correlated with the market. If Beta is less than 0 Pacific Premier generally moves in the opposite direction as compared to the market. If Pacific Premier Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Pacific Premier Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Pacific Premier is generally in the same direction as the market. If Beta > 1 Pacific Premier moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Pacific Premier Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Pacific Premier's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Pacific Premier growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.94)

As of now, Pacific Premier's Price Earnings To Growth Ratio is decreasing as compared to previous years.

Pacific Premier December 2, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Pacific Premier help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Pacific Premier Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Pacific Premier Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Pacific Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Pacific Premier's daily price indicators and compare them against related drivers.

Complementary Tools for Pacific Stock analysis

When running Pacific Premier's price analysis, check to measure Pacific Premier's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pacific Premier is operating at the current time. Most of Pacific Premier's value examination focuses on studying past and present price action to predict the probability of Pacific Premier's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pacific Premier's price. Additionally, you may evaluate how the addition of Pacific Premier to your portfolios can decrease your overall portfolio volatility.
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