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Upturn AI SWOT - About
PPBI 
Pacific Premier Bancorp Inc (PPBI)
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Upturn Advisory Summary
04/01/2025: PPBI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -4.86% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.08B USD | Price to earnings Ratio 13.08 | 1Y Target Price 28.43 |
Price to earnings Ratio 13.08 | 1Y Target Price 28.43 | ||
Volume (30-day avg) 749753 | Beta 1.22 | 52 Weeks Range 19.73 - 29.89 | Updated Date 04/1/2025 |
52 Weeks Range 19.73 - 29.89 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 6.19% | Basic EPS (TTM) 1.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.05% | Operating Margin (TTM) 31.45% |
Management Effectiveness
Return on Assets (TTM) 0.86% | Return on Equity (TTM) 5.44% |
Valuation
Trailing PE 13.08 | Forward PE 15.92 | Enterprise Value 1778914432 | Price to Sales(TTM) 3.41 |
Enterprise Value 1778914432 | Price to Sales(TTM) 3.41 | ||
Enterprise Value to Revenue 4.15 | Enterprise Value to EBITDA - | Shares Outstanding 96437800 | Shares Floating 94105914 |
Shares Outstanding 96437800 | Shares Floating 94105914 | ||
Percent Insiders 2.04 | Percent Institutions 96.99 |
Analyst Ratings
Rating 3.57 | Target Price 29.14 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pacific Premier Bancorp Inc
Company Overview
History and Background
Pacific Premier Bancorp, Inc. was founded in 1983. Initially focused on serving small and medium-sized businesses in Southern California, it has grown through organic expansion and strategic acquisitions to become a diversified commercial bank with a presence across the Western United States.
Core Business Areas
- Commercial Banking: Provides a range of deposit, loan, and treasury management services to businesses, entrepreneurs, and individuals.
- Real Estate Lending: Offers financing for commercial real estate projects, including construction and permanent loans.
- Small Business Administration (SBA) Lending: Provides SBA loans to small businesses, facilitating their growth and expansion.
- Wealth Management: Offers wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
The company is led by Chairman, President, and CEO Steven R. Gardner. The organizational structure includes executive leadership overseeing various business lines and support functions, with a board of directors providing oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for working capital, equipment financing, and expansion. Competitors include regional and national banks such as Bank of America, Wells Fargo, and US Bancorp. Market share data specific to commercial loans is difficult to obtain at the granular level but is competitive and influenced by local markets.
- Real Estate Loans: Financing for commercial real estate projects. Competitors include large banks, insurance companies, and private equity firms. Market share data is geographically dependent.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Competitors are the other banks. Market share will vary by geography.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Consolidation is a continuing trend, with larger banks acquiring smaller institutions.
Positioning
Pacific Premier Bancorp Inc. positions itself as a relationship-focused bank catering to the needs of small and medium-sized businesses. Its competitive advantages include its experienced management team, strong credit culture, and efficient operations.
Total Addressable Market (TAM)
The TAM for commercial banking in the Western United States is estimated to be in the hundreds of billions of dollars. Pacific Premier Bancorp Inc. is positioned to capture a portion of this market through its regional presence and focus on relationship banking. This can be estimated based on the total loan amounts, total amount on deposit and total investment accounts.
Upturn SWOT Analysis
Strengths
- Strong credit quality
- Experienced management team
- Efficient operations
- Relationship-focused business model
- Diversified revenue streams
Weaknesses
- Geographic concentration in the Western United States
- Smaller scale compared to larger national banks
- Reliance on interest income
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks
- Growth in fee income
- Increased adoption of digital banking technologies
- Capitalize on dislocation in regional banking market
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturn
- Credit risk
Competitors and Market Share
Key Competitors
- WFC
- USB
- CMA
- BOH
- FFWM
Competitive Landscape
PPBI has advantages in personalized service and regional knowledge, but disadvantages in scale and resources compared to larger national banks. FFWM is focused on their local service, and PPBI has the upper hand in customer satisfaction.
Major Acquisitions
American Perspective Bank
- Year: 2021
- Acquisition Price (USD millions): 78.3
- Strategic Rationale: Expansion into the high-growth Irvine, California market.
Growth Trajectory and Initiatives
Historical Growth: Please look at the latest financials from a Financial Website to complete this section.
Future Projections: Please look at the latest financials from a Financial Website to complete this section.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets through acquisitions.
Summary
Pacific Premier Bancorp Inc. is a regional bank with a strong focus on relationship banking and serves small and medium-sized businesses. The bank's strengths lie in its experienced management team and strong credit quality. However, it faces challenges from larger national banks and increased competition from fintech companies. Strategic acquisitions and investments in digital technology can help the bank to grow and remain competitive.
Similar Companies
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
CMA
Comerica Inc
CMA
Comerica Inc
FFWM
First Foundation Inc.
FFWM
First Foundation Inc.
USB
U.S. Bancorp
USB
U.S. Bancorp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share estimates are approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pacific Premier Bancorp Inc
Exchange NASDAQ | Headquaters Irvine, CA, United States | ||
IPO Launch date 1997-06-25 | Chairman, President & CEO Mr. Steven R. Gardner | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1325 | Website https://www.ppbi.com |
Full time employees 1325 | Website https://www.ppbi.com | ||
Pacific Premier Bancorp, Inc. operates as the bank holding company for Pacific Premier Bank that provides various banking products and services in the United States. The company accepts deposit products, which includes checking, money market, savings accounts, and certificates of deposit. Its loan portfolio includes commercial real estate owner and non-owner-occupied, multifamily, construction and land, franchise secured by real estate, and small business administration (SBA); revolving lines of credit, term loans, seasonal loans, and loans secured by liquid collateral, such as cash deposits or marketable securities; one-to-four family and home equity lines of credit loans; and small balance personal unsecured loans and savings account secured loans. It also offers cash management, online and mobile banking, and treasury management services, as well as payment processing, remote capture, and automated clearing house payment capabilities. In addition, it operates as a custodian for alternative assets held in qualified self-directed IRA accounts, including investments in private equity, real estate, notes, cash, and other non-exchange traded assets; and provides real-property and non-real property escrow services. The company serves small and middle-market businesses, corporations, professionals, real estate investors, non-profit organizations, and consumers. The company was founded in 1983 and is headquartered in Irvine, California.
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