Pacific Premier Bancorp, Inc. (PPBI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Pacific Premier Bancorp, Inc. (PPBI) trades at $24.49 with AI Score 58/100 (Grade B). Pacific Premier Bancorp, Inc. is a regional bank holding company providing a wide range of financial services primarily to businesses and professionals. Market cap: $2.38B, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for PPBI: PPBI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PPBI against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
PPBI: 2/4 perspectives are bullish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Pacific Premier Bancorp, Inc. (PPBI) Financial Services Profile
Pacific Premier Bancorp, Inc. (PPBI) is a leading regional bank focused on delivering comprehensive banking services to businesses, professionals, and real estate investors across the Western United States, distinguished by its robust loan portfolio and commitment to customer service.
What Is the Investment Thesis for PPBI?
Pacific Premier Bancorp, Inc. is positioned for growth driven by its strategic focus on commercial real estate lending and small business services, which are expected to benefit from a robust economic environment. With a market capitalization of $2.38B and a P/E ratio of 22.80, the bank's financial metrics indicate a healthy profit margin of 17.3% and a gross margin of 67.7%. Growth catalysts include the expansion of its branch network and the introduction of innovative digital banking solutions, which aim to enhance customer engagement and operational efficiency. Ongoing investments in technology and customer service are expected to drive customer acquisition and retention, further solidifying its market position. However, potential risks include sensitivity to interest rate fluctuations and competitive pressures from both traditional banks and fintech companies.
Based on FMP financials and quantitative analysis
PPBI Key Highlights
- Market Cap of $2.38B reflects solid market positioning in the regional banking sector.
- P/E ratio of 22.80 indicates investor confidence in future earnings growth.
- Profit margin of 17.3% showcases operational efficiency and strong profitability.
- Gross margin of 67.7% exceeds many industry peers, indicating effective cost management.
- Dividend yield of 1.35% provides a return to shareholders amidst growth initiatives.
Who Are PPBI's Competitors?
PPBI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WTFC Wintrust Financial Corporation | $163.51 | +1.44% | $11.03B | 87 |
| ISBC Investors Bancorp, Inc. | $13.87 | -2.46% | $3.46B | 52 |
| UCB United Community Banks, Inc. | $35.79 | +0.85% | $4.29B | 87 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PPBI's Key Strengths?
- Strong profitability metrics with a profit margin of 17.3%.
- Diverse loan portfolio reducing reliance on any single segment.
- Established brand recognition in the Western U.S. banking market.
- Robust technology infrastructure supporting digital banking initiatives.
What Are PPBI's Weaknesses?
- Exposure to interest rate fluctuations impacting net interest margins.
- Limited geographic presence compared to larger national banks.
- Potential reliance on commercial real estate lending amid market volatility.
- Higher operational costs associated with maintaining a branch network.
What Could Drive PPBI Stock Higher?
- Expansion of branch network into new markets to enhance customer acquisition.
- Investment in digital banking solutions to improve customer experience and operational efficiency.
- Focus on commercial real estate lending to capitalize on market recovery.
- Introduction of new cash management services targeting small businesses.
- Strengthening relationships with existing clients to drive retention and cross-selling opportunities.
What Are the Key Risks for PPBI?
- Financial-distress signal — its Altman Z-Score of -0.63 sits in the distress zone (elevated bankruptcy risk).
- Sensitivity to interest rate changes impacting profitability and net interest margins.
- Competition from fintech companies offering innovative banking solutions.
- Economic downturns affecting loan demand and credit quality.
- Regulatory changes that may increase compliance costs and operational challenges.
What Are the Growth Opportunities for PPBI?
- Expansion of Branch Network: Pacific Premier Bancorp plans to increase its branch network in underserved markets within the Western U.S., targeting regions with high growth potential. The regional banking market is projected to grow at a CAGR of 4% through 2028, providing ample opportunity for new customer acquisition and service expansion.
- Digital Banking Initiatives: The company is investing in digital banking platforms to enhance customer experience and streamline operations. As consumer preference shifts towards online banking, this initiative is expected to attract younger demographics and increase overall customer engagement, with the digital banking market expected to grow significantly over the next five years.
- Commercial Real Estate Lending: With a robust loan portfolio focused on commercial real estate, Pacific Premier is poised to benefit from the ongoing recovery in the real estate market. The commercial real estate sector is projected to grow at a CAGR of 5% from 2024 to 2029, driven by increased demand for office and retail spaces.
- Small Business Lending: The bank's focus on small business loans, including SBA loans, positions it to capitalize on the growing small business sector. The small business lending market is anticipated to expand as economic conditions improve, providing opportunities for increased loan origination and portfolio growth.
- Cash Management Services: Pacific Premier is enhancing its cash management offerings to attract more business clients. With businesses increasingly seeking efficient cash flow solutions, this segment is expected to grow, contributing to the bank's overall revenue and strengthening its competitive position.
What Opportunities Does PPBI Have?
- Expansion into new markets to capture additional customer segments.
- Growing demand for digital banking solutions among consumers.
- Increased small business lending opportunities as economic conditions improve.
- Potential partnerships with fintech companies to enhance service offerings.
What Threats Does PPBI Face?
- Intense competition from both traditional banks and fintech disruptors.
- Economic downturns affecting loan demand and credit quality.
- Regulatory changes impacting operational flexibility and compliance costs.
- Rising interest rates potentially squeezing profit margins.
What Are PPBI's Competitive Advantages?
- Strong regional presence with 61 branches providing local market knowledge.
- Diverse product offerings catering to various customer segments.
- Established relationships with clients leading to high customer retention.
- Robust technology investments enhancing service delivery and efficiency.
- Focus on customer service differentiating it from larger banks and fintech competitors.
What Does PPBI Do?
Pacific Premier Bancorp, Inc. operates as the bank holding company for Pacific Premier Bank, which was founded in 1983 and is headquartered in Irvine, California. The bank has evolved significantly since its inception, expanding its footprint across the Western U.S. with 61 full-service depository branches in states such as Arizona, California, Nevada, Oregon, and Washington. The company provides a diverse array of banking services tailored to the needs of businesses, professionals, real estate investors, and non-profit organizations. Its deposit products include checking accounts, money market accounts, savings accounts, and certificates of deposit. On the lending side, Pacific Premier Bancorp offers a comprehensive suite of loans, including commercial real estate loans (both owner and non-owner occupied), multifamily loans, construction and land loans, franchise real estate secured loans, and various small business administration (SBA) loans. Additionally, the bank provides cash management, electronic banking, treasury management, and online bill payment services. This diverse product offering positions Pacific Premier as a competitive player in the regional banking sector, catering to a broad customer base and focusing on relationship-driven banking.
What Products and Services Does PPBI Offer?
- Offer a variety of deposit products including checking, savings, and money market accounts.
- Provide loans for commercial real estate, small businesses, and personal needs.
- Deliver cash management and treasury management services to businesses.
- Facilitate electronic banking and online bill payment for convenience.
- Operate 61 full-service branches across five Western states.
- Focus on relationship-driven banking to enhance customer satisfaction.
How Does PPBI Make Money?
- Generate revenue primarily through interest income from loans and fees from banking services.
- Attract deposits to fund lending activities and maintain liquidity.
- Offer competitive rates on loans and deposit products to capture market share.
- Leverage technology to improve operational efficiency and reduce costs.
- Expand service offerings to meet diverse customer needs and drive growth.
What Industry Does PPBI Operate In?
The regional banking industry is characterized by a competitive landscape where banks like Pacific Premier Bancorp, Inc. operate alongside both traditional financial institutions and emerging fintech companies. The market is currently experiencing a shift towards digital banking solutions, driven by consumer demand for convenience and efficiency. With the U.S. banking sector projected to grow at a CAGR of approximately 4% over the next five years, Pacific Premier is well-positioned to capitalize on this growth through its diverse product offerings and expanding geographic presence.
Who Are PPBI's Key Customers?
- Businesses seeking commercial banking solutions and loans.
- Real estate investors looking for financing options.
- Professionals requiring personal banking services.
- Non-profit organizations in need of banking services.
- Small businesses seeking SBA loans and cash management services.
FY2026 estForward Outlook
Wall Street analysts project Pacific Premier Bancorp, Inc. revenue of about $611.8M for fiscal 2026, with EPS near $1.56.
PPBI Valuation & Market Position
With a $2.38B market cap, Pacific Premier Bancorp, Inc. sits in the mid-cap segment of the market. Relative to its peer group, PPBI's quantitative score of 58/100 is below the peer average of 73/100.
ROE 3%Key Financial Metrics
Return on equity for Pacific Premier Bancorp, Inc. stands at 3.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. PPBI trades at a trailing price-to-earnings ratio of 22.80, above the Financial Services sector average of ~18x. Its free cash flow yield is 4.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.4%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Pacific Premier Bancorp, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.63 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Pacific Premier Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Irvine, US. The company is led by CEO Steven R. Gardner. PPBI has traded publicly since 1997.
PPBI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that leadership believes in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong loan portfolio and risk management strategies.
- The overall banking sector has shown resilience, and PPBI is well-positioned to capitalize on any economic recovery.
- Analysts are noting the bank's focus on expanding its digital offerings, which could attract a younger customer base and enhance operational efficiency.
Bear Case
- Concerns about potential regulatory changes in the banking sector have left some investors wary, impacting overall sentiment.
- Recent discussions reveal skepticism about the bank's ability to maintain growth in a rising interest rate environment, which could compress margins.
- Some community members are worried about the competitive landscape, particularly with fintech companies gaining market share.
- There is uncertainty around the bank's credit quality, with recent reports hinting at increased delinquency rates in certain loan segments.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PPBI Latest News
No recent news available for PPBI.
PPBI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PPBI.
Price Targets
Wall Street price target analysis for PPBI.
PPBI MoonshotScore
What does this score mean?
The MoonshotScore rates PPBI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Steven R. Gardner
Chairman and Chief Executive Officer
Steven R. Gardner has been with Pacific Premier Bancorp since its founding in 1983. He has extensive experience in banking and finance, holding various leadership positions throughout his career. Gardner earned his Bachelor’s degree in Business Administration from the University of California, Irvine, and has been instrumental in guiding the company through significant growth phases.
Track Record: Under Gardner's leadership, Pacific Premier Bancorp has expanded its branch network and diversified its product offerings, resulting in consistent revenue growth and increased market share. His strategic vision has positioned the bank as a competitive player in the regional banking sector.
What Investors Ask About Pacific Premier Bancorp, Inc. (PPBI) — Financial Services
What does Pacific Premier Bancorp, Inc. do?
Pacific Premier Bancorp, Inc. operates as the bank holding company for Pacific Premier Bank, offering a wide range of banking services including deposit accounts, commercial and consumer loans, cash management, and electronic banking services. The bank primarily serves businesses, professionals, real estate investors, and non-profit organizations across the Western United States.
What do analysts say about PPBI stock?
Analysts generally view PPBI stock positively, noting its solid financial performance characterized by a profit margin of 17.3% and a P/E ratio of 22.80. Key considerations include the bank's growth potential in commercial real estate lending and its ongoing investments in digital banking, which are expected to enhance customer engagement and operational efficiency.
What are the main risks for PPBI?
Pacific Premier Bancorp faces several risks, including sensitivity to interest rate changes that could impact profitability and net interest margins. Additionally, competition from fintech companies poses a threat to its market position, while economic downturns could affect loan demand and credit quality. Regulatory changes may also increase compliance costs and operational challenges.
What are the key factors to evaluate for PPBI?
Pacific Premier Bancorp, Inc. (PPBI) holds an AI score of 58/100 (moderate). Not financial advice.
How frequently does PPBI data refresh on this page?
PPBI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven PPBI's recent stock price performance?
Pacific Premier Bancorp, Inc. (PPBI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profitability metrics with a profit margin of 17.3%. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PPBI overvalued or undervalued right now?
Valuing Pacific Premier Bancorp, Inc. (PPBI) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying PPBI?
Before investing in Pacific Premier Bancorp, Inc. (PPBI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on the latest available financial and operational information.