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Pacific Premier Bancorp logo
Pacific Premier Bancorp PPBI
report update icon

Quarterly report 2025-Q2
added 05-23-2026

Pacific Premier Bancorp Financial Ratios 2024-2008 | PPBI

Brief overview of Pacific Premier Bancorp's valuation and returns

The comparison uses the five latest available annual observations between 2020 and 2024.

Key multiples at the end of the period are P/E 14.28x (median 14.28x), P/B 0.77x (median 1.1x), P/CF 10.02x (median 10.02x). The combined ratio level is close to the company's five-year norm at a 0% deviation. No clear premium or discount is visible.

Earnings yield calculated as 1/P/E is about 7%, showing current profit per unit of share price.

Current measures of operating quality are ROE 5.4%, ROA 0.9%. Business quality is below comfortable levels on current returns. Better margins or turnover are needed.

PEG is 0.79x. Price is low relative to embedded growth, though the ratio depends heavily on forecast quality.

High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.

Conclusion

Pacific Premier Bancorp's valuation and business quality look relatively balanced, with no pronounced distortion in either direction.

Annual Financial Ratios Pacific Premier Bancorp

2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008

P/E

14.3 72.4 10.8 10.7 52.1 11.4 13.2 25.8 26.1 17.0 15.2 27.7 7.7 7.2 - - -

P/S

- - - - - 3.9 4.0 5.8 6.3 3.7 3.0 3.9 2.1 1.6 - - -

EPS

1.6 0.3 3.0 3.6 0.8 2.6 2.3 1.6 1.5 1.2 1.0 0.6 1.5 1.1 0.4 -0.1 -

EV (Enterprise Value)

16.6 B 17.4 B 20.9 B 21.5 B 19.3 B 11.3 B 10.9 B 8.13 B 4.46 B 2.85 B 2.09 B 1.79 B 1.16 B 951 M 748 M - -

EBITDA per Share

0.12 0.15 0.16 0.17 0.17 - - - - - - - - - 0.1 0.18 -

EV/EBITDA

1413.8 1259.9 1414.0 1343.0 4.5 - - - - - - - - - 755.0 - -

PEG

- - - - -0.83 0.79 0.3 3.85 1.13 0.69 0.22 -0.45 0.18 0.05 - - -

P/B

0.8 0.8 1.1 1.3 1.1 0.9 0.8 1.2 2.3 1.5 1.3 1.4 0.9 0.9 - - -

P/CF

10.0 8.9 7.5 11.3 14.8 11.1 5.6 19.4 20.3 18.6 21.4 20.9 15.9 8.3 - - -

ROE %

5.37 1.07 10.14 11.78 2.20 7.94 6.26 4.84 8.72 8.53 8.32 5.13 11.73 12.18 5.39 -0.63 -

ROA %

0.89 0.16 1.31 1.61 0.31 1.36 1.07 0.75 0.99 0.91 0.81 0.52 1.34 1.10 0.51 - -

Current Ratio

1.2 1.2 1.1 1.2 1.2 0.0 0.0 0.0 0.1 0.1 0.0 0.1 0.1 0.1 1.1 - -

DSO

- - - - - 31.1 33.6 36.7 29.0 29.4 31.3 35.4 25.8 29.7 - - -

All numbers in USD currency

Quarterly Financial Ratios Pacific Premier Bancorp

2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.33 0.37 - 0.37 0.43 0.49 - 0.48 0.6 0.66 - 0.77 0.74 0.71 0.9 0.95 1.02 0.73 0.71 0.71 -1.41 0.43 0.69 0.69 0.62 0.69 0.64 0.46 0.59 0.64 0.37 0.46 0.36 0.37 0.44 0.34 0.38 0.44 0.38 0.36 0.36 0.38 0.23 0.32 0.28 0.15 0.26 0.19 -0.02 0.14 0.33 0.34 0.56 0.26 0.25 0.25 0.08 0.47

EBITDA per Share

0.06 0.03 - 0.03 0.03 0.03 - 0.03 0.03 0.04 - 0.04 0.04 0.04 0.04 0.13 0.04 0.04 0.05 0.1 0.08 0.04 0.07 0.12 0.08 0.04 0.07 0.09 0.08 0.04 0.05 0.09 0.05 0.03 0.02 0.08 0.05 0.03 0.02 0.08 0.06 0.01 - 0.1 0.06 0.03 - 0.09 0.06 0.03 - 0.1 0.06 0.03 - 0.09 0.06 0.03

ROE %

4.95 5.49 4.28 5.89 6.69 7.46 5.84 8.53 9.45 9.83 7.62 10.56 11.05 11.94 12.08 11.58 10.83 3.80 2.20 1.80 1.43 6.95 8.05 8.02 7.41 6.88 6.26 5.55 5.74 5.49 5.37 6.67 7.05 8.16 9.46 9.56 10.17 10.54 8.53 7.79 7.90 7.60 8.32 8.77 7.79 5.33 5.13 5.57 6.39 10.85 11.73 11.84 12.10 8.69 12.18 2.83 0.90 5.50

ROA %

0.81 0.88 0.68 0.91 0.98 1.05 0.80 1.14 1.22 1.34 1.05 1.48 1.14 1.61 1.64 1.58 1.49 0.52 0.31 0.31 0.33 1.16 1.38 1.37 1.27 1.18 1.07 0.93 0.94 0.87 0.83 0.93 0.90 0.98 1.08 1.07 1.12 1.15 0.91 0.82 0.80 0.75 0.81 0.87 0.78 0.54 0.52 0.60 0.72 1.23 1.34 1.29 1.25 0.83 1.10 0.26 0.08 0.50

Current Ratio

1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.1 1.1 1.1 - 1.1 1.2 1.2 1.2 1.1 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

All numbers in USD currency

Multiples are an important financial analysis tool for the company Pacific Premier Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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