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IntroductionThe concept of valuationRevenue and revenue growthVariable costsFixed costsProduction assets

Intrinsic value of Pacific Premier Bancorp Inc (PPBI)

Previous Close$33.78
Intrinsic Value$25.00*
Upside potential  -26%
Previous Close
$33.78
Intrinsic Value
$25.00*
Potential        
-26%
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh24.94 25

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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. The company accepts deposit products, such as checking, money market, and passbook savings accounts; and certificates of deposit. Its loan products include commercial business loans, lines of credit, small business administration loans, commercial real estate loans, agribusiness loans, home equity lines of credit, construction loans, farmland, and consumer loans, as well as multi-family residential, one-to-four family real estate, commercial and industrial, and franchise lending; and credit facilities to Homeowners' Associations (HOA) and HOA management companies. The company also offers cash management, electronic banking, treasury management, and online bill payment services. It operates 41 full-service depository branches in the counties of Orange, Los Angeles, Riverside, San Bernardino, San Diego, San Luis Obispo, and Santa Barbara, California; Pima and Maricopa Counties, Arizona; Clark County, Nevada; and Clark County, Washington. Pacific Premier Bancorp, Inc. was founded in 1983 and is headquartered in Irvine, California.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %19.3NaN
Revenue, $770NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m309NaN
Operating income, $m461NaN
EBITDA, $m476NaN
Interest expense (income), $mNaN
Earnings before tax, $m457NaN
Tax expense, $m121NaN
Net income, $m336NaN

BALANCE SHEET

Cash and short-term investments, $m307NaN
Total assets, $m21143NaN
Adjusted assets (=assets-cash), $m20836NaN
Average production assets, $m1123NaN
Working capital, $m-2838NaN
Total debt, $m961NaN
Total liabilities, $m18257NaN
Total equity, $m2886NaN
Debt-to-equity ratio0.333NaN
Adjusted equity ratio0.151NaN

CASH FLOW

Net income, $m336NaN
Depreciation, amort., depletion, $m15NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m327NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-9NaN
Free cash flow, $m336NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-2838
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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