Pacific Premier Bancorp, Inc. (PPBI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Atlantic Union Bankshares Corp.

First BanCorp (Puerto Rico)

First Hawaiian, Inc.

Pacific Premier Bancorp, Inc.

Eastern Bankshares, Inc.

EVERTEC, Inc.

Ameris Bancorp

Cathay General Bancorp

Independent Bank Corp. (Massachusetts)

CVB Financial Corp.

First Interstate BancSystem, Inc.

Why is Pacific Premier Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 4.40%

Strong Long Term Fundamental Strength with a -0.21% CAGR growth in Net Profits

Flat results in Jun 25

OPERATING CASH FLOW(Y) Lowest at USD 182.43 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 82.1%
EPS(Q) Lowest at USD 0.33

With ROA of 0.49%, it has a very attractive valuation with a 0.71 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -4.22%, its profits have risen by 1093.1% ; the PEG ratio of the company is 0

Reducing Promoter Confidence

Promoters have decreased their stake in the company by -0.77% over the previous quarter and currently hold 0.04% of the company
Promoters decreasing their stake may signify reduced confidence in the future of the business

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -4.22% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Pacific Premier Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Pacific Premier Bancorp, Inc. for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Pacific Premier Bancorp, Inc.

-4.22%

0.44

37.86%

S&P 500

13.22%

0.89

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

7.95%

EBIT Growth (5y)

57.97%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

80.15%

Pledged Shares

Institutional Holding

98.88%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.71

EV to EBIT

8.22

EV to EBITDA

7.28

EV to Capital Employed

0.62

EV to Sales

1.79

PEG Ratio

0.01

Dividend Yield

302.14%

ROCE (Latest)

7.55%

ROE (Latest)

4.89%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bullish

Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

DIVIDEND PAYOUT RATIO(Y)

Highest at 99.94%

GROSS NPA (%)

NET PROFIT(9M)

Higher at USD 105.18 MM

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 182.43 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 82.1%

EPS(Q)

Lowest at USD 0.33

Here's what is working for Pacific Premier Bancorp, Inc.

Net Profit

At USD 105.18 MM has Grown at 316.54%

Year on Year (YoY)

MOJO Watch

Net Profit trend is very positive

Net Profit (USD MM)

Non Performing Loans (%)

Lowest at 0.22%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend Payout Ratio

Highest at 99.94% and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Net Profit

Higher at USD 105.18 MM

than preceding 12 month period ended Jun 2025

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (USD MM)

Here's what is not working for Pacific Premier Bancorp, Inc.

Operating Cash Flow

Lowest at USD 182.43 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

EPS

Lowest at USD 0.33

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 82.1%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)