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Pacific Premier Bancorp (PPBI) Reports Q2 Earnings: What Key Metrics Have to Say

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Pacific Premier Bancorp (PPBI - Free Report) reported $144.32 million in revenue for the quarter ended June 2025, representing a year-over-year decline of 6.7%. EPS of $0.39 for the same period compares to $0.43 a year ago.

The reported revenue represents a surprise of -0.88% over the Zacks Consensus Estimate of $145.6 million. With the consensus EPS estimate being $0.34, the EPS surprise was +14.71%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Pacific Premier Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 65.3% versus 68% estimated by two analysts on average.
  • Net interest margin: 3.1% versus the two-analyst average estimate of 3.1%.
  • Total Noninterest Income: $17.57 million versus $20.45 million estimated by two analysts on average.
  • Net interest income before provision for loan losses: $126.76 million versus $125.6 million estimated by two analysts on average.

View all Key Company Metrics for Pacific Premier Bancorp here>>>

Shares of Pacific Premier Bancorp have returned +6% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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