Pacific Premier Bancorp Inc (PPBI) Financials
Newest figures come from the 10-Q for Q2 FY2025, filed Aug 1, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PPBI SEC filings page.
Pacific Premier Bancorp Inc (PPBI) reported $583.4M in revenue over the twelve months to Jun 30, 2025, down 17.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The bank's 2024 recovery came with lower balance-sheet leverage, but interest costs still absorb much of its operating economics.
Revenue recovered 37.4% in FY2024 and net margin reached25.6% , showing a broad earnings rebound rather than a narrow cost effect. Yet that margin remained below FY2022's36.1% , so profitability recovered substantially without returning to its earlier peak.
Assets fell to
Operating cash flow of
Financial Health Signals
Scored against banks for FY2024. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Pacific Premier Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Pacific Premier Bancorp Inc earned a return on assets of 0.9% in fiscal year 2024, which is the profit it made on every dollar of assets on its books. This is up from 0.2% the prior year. Earnings ranks banks on that return over three years, and Pacific Premier Bancorp Inc scores 39/100 among other banks.
Pacific Premier Bancorp Inc reported revenue of $619.8M in fiscal year 2024, against $451.1M in fiscal year 2023. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Pacific Premier Bancorp Inc scores 6/100 among other banks.
Pacific Premier Bancorp Inc funded 16.5% of its assets with shareholders' equity at the end of fiscal year 2024, holding $3.0B of equity against $17.9B of assets. Capital ranks banks on that cushion, and Pacific Premier Bancorp Inc scores 82/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Pacific Premier Bancorp Inc scores 31/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Pacific Premier Bancorp Inc scores 87/100 on it among other banks.
Pacific Premier Bancorp Inc reported net income of $158.8M in fiscal year 2024, against $30.9M in fiscal year 2023. Stability ranks banks on how steady net income has been across five years, and Pacific Premier Bancorp Inc scores 29/100 among other banks.
Pacific Premier Bancorp Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Pacific Premier Bancorp Inc generates $1.43 in operating cash flow ($226.5M OCF vs $158.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Pacific Premier Bancorp Inc generated $144.3M in revenue in Q2 2025. This represents a decrease of 6.7% from the same quarter a year earlier. Against the prior quarter it is down 0.4%.
Pacific Premier Bancorp Inc reported $32.1M in net income in Q2 2025. This represents a decrease of 23.5% from the same quarter a year earlier. Against the prior quarter it is down 11.0%.
Pacific Premier Bancorp Inc earned $0.33 per diluted share (EPS) in Q2 2025. This represents a decrease of 23.3% from the same quarter a year earlier. Against the prior quarter it is down 10.8%.
Not reported for Q2 2025.
Cash & Balance Sheet
Pacific Premier Bancorp Inc generated $54.9M in free cash flow in Q2 2025, representing cash available after capex. This represents a decrease of 17.0% from the same quarter a year earlier. Against the prior quarter it is up 168.6%.
Pacific Premier Bancorp Inc held $791.1M in cash as of Q2 2025; long-term debt is not reported for that period.
Pacific Premier Bancorp Inc paid $0.33 per share in dividends in Q2 2025. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Pacific Premier Bancorp Inc's net profit margin was 22.2% in Q2 2025, showing the share of revenue converted to profit. This is down 4.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.6 percentage points.
Pacific Premier Bancorp Inc's ROE was 1.1% in Q2 2025, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Not reported for Q2 2025.
Not reported for Q2 2025.
Capital Allocation
Pacific Premier Bancorp Inc invested $1.3M in capex in Q2 2025, funding long-term assets and infrastructure. This represents an increase of 252.4% from the same quarter a year earlier. Against the prior quarter it is up 5.1%.
Not reported for Q2 2025.
Not reported for Q2 2025.
PPBI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2510-Q | Q1'2510-Q | Q4'2410-Q | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-K | Q3'2310-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $144.3M-6.7% | $144.8M-15.3% | $144.5M-33.5% | $149.8M-10.9% | $154.6M-14.4% | $170.9M-10.0% | $217.2M+7.6% | $168.1M-16.5% |
| SG&A Expenses | $53.3M+0.2% | $52.8M-2.4% | $50.4M-2.9% | $53.4M-1.2% | $53.1M-0.5% | $54.1M-0.3% | $51.9M-4.5% | $54.1M-4.1% |
| Interest Expense | $62.4M-12.9% | $64.0M-6.3% | $70.9M+0.7% | $74.7M+0.3% | $71.7M+9.7% | $68.3M+29.5% | $70.4M+93.5% | $74.5M+316.0% |
| Income Tax | $10.0M-28.2% | $12.2M-29.6% | $10.7M+119.0% | $11.7M-27.0% | $13.9M-33.4% | $17.4M-23.9% | -$56.5M-315.6% | $16.0M-38.5% |
| Net Income | $32.1M-23.5% | $36.0M-23.4% | $33.9M+125.0% | $36.0M-21.8% | $41.9M-27.3% | $47.0M-24.8% | -$135.4M-283.8% | $46.0M-37.3% |
| EPS (Basic) | $0.33-23.3% | $0.37-24.5% | $0.35+124.5% | $0.37-22.9% | $0.43-28.3% | $0.49-25.8% | -$1.43-285.7% | $0.48-37.7% |
| EPS (Diluted) | $0.33-23.3% | $0.37-24.5% | $0.35+124.5% | $0.37-22.9% | $0.43-28.3% | $0.49-25.8% | -$1.43-285.7% | $0.48-37.7% |
| Diluted Shares (Avg) | 95M+0.4% | 95M+0.4% | N/A | 95M+0.5% | 95M+0.5% | 94M+0.3% | N/A | 94M+0.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
PPBI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2510-Q | Q1'2510-Q | Q4'2410-Q | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-K | Q3'2310-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $17.8B-3.0% | $18.1B-3.9% | $17.9B-5.9% | $17.9B-11.7% | $18.3B-11.6% | $18.8B-11.9% | $19.0B-12.3% | $20.3B-6.2% |
| Cash & Equivalents | $791.1M-12.1% | $768.2M-25.3% | $609.3M-34.9% | $982.2M-29.9% | $899.8M-38.5% | $1.0B-27.8% | $936.5M-15.0% | $1.4B+89.4% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $901.3M0.0% | $901.3M0.0% | $901.3M0.0% | $901.3M0.0% | $901.3M0.0% | $901.3M0.0% | $901.3M0.0% | $901.3M0.0% |
| Total Liabilities | $14.8B-3.9% | $15.1B-5.0% | $14.9B-7.4% | $15.0B-14.1% | $15.4B-13.9% | $15.9B-14.1% | $16.1B-14.5% | $17.4B-7.8% |
| Total Equity | $3.0B+1.8% | $3.0B+2.2% | $3.0B+2.5% | $2.9B+3.1% | $2.9B+2.6% | $2.9B+2.5% | $2.9B+3.0% | $2.9B+4.4% |
| Retained Earnings | $639.2M+1.6% | $639.3M+3.2% | $635.3M+5.2% | $633.4M-17.9% | $629.3M-16.9% | $619.4M-15.3% | $604.1M-13.7% | $771.3M+17.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
PPBI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2510-Q | Q1'2510-Q | Q4'2410-Q | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-K | Q3'2310-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $56.2M-15.5% | $21.7M-62.0% | $40.6M+331.6% | $62.4M-32.2% | $66.5M-34.3% | $56.9M-24.2% | -$17.5M-122.5% | $92.1M-25.0% |
| Depreciation & Amortization | $2.4M-21.3% | $3.0M-3.6% | $2.7M-16.3% | $2.9M-15.9% | $3.0M-15.4% | $3.1M-13.1% | $3.2M-10.0% | $3.5M-4.8% |
| Stock-Based Compensation | N/A | $4.2M-22.6% | N/A | N/A | N/A | $5.5M+15.2% | N/A | N/A |
| Capital Expenditures | $1.3M+252.4% | $1.2M+0.4% | $1.5M+46.8% | $623K-57.6% | $361K-78.4% | $1.2M-51.1% | $1.0M-60.0% | $1.5M+60.6% |
| Free Cash Flow | $54.9M-17.0% | $20.4M-63.3% | $39.1M+311.1% | $61.8M-31.8% | $66.2M-33.5% | $55.7M-23.3% | -$18.5M-124.6% | $90.6M-25.7% |
| Investing Cash Flow | $317.8M-19.9% | -$28.6M-110.4% | -$364.5M-145.8% | $457.8M+12.0% | $396.6M-37.7% | $274.3M-56.5% | $796.1M+157.2% | $408.8M+2982.7% |
| Financing Cash Flow | -$351.0M+40.7% | $165.8M+169.4% | -$49.0M+96.1% | -$437.8M+22.4% | -$592.1M+15.3% | -$238.9M+37.4% | -$1.2B-4815.8% | -$564.2M-52.6% |
| Dividends Paid | $32.0M+0.6% | $31.8M+0.6% | $31.8M+0.6% | $31.8M+0.6% | $31.8M+0.7% | $31.6M+0.9% | $31.6M+0.9% | $31.6M+1.0% |
Not reported in any period shown, so not listed: Share Buybacks.
PPBI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2510-Q | Q1'2510-Q | Q4'2410-Q | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-K | Q3'2310-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.2%-4.9pp | 24.9%-2.6pp | 23.4%+85.8pp | 24.0%-3.4pp | 27.1%-4.8pp | 27.5%-5.4pp | -62.3%-98.8pp | 27.4%-9.1pp |
| Return on Equity | 1.1%-0.3pp | 1.2%-0.4pp | 1.1%+5.8pp | 1.2%-0.4pp | 1.4%-0.6pp | 1.6%-0.6pp | -4.7%-7.3pp | 1.6%-1.1pp |
| Return on Assets | 0.2%-0.1pp | 0.2%-0.1pp | 0.2%+0.9pp | 0.2%0.0pp | 0.2%-0.1pp | 0.3%0.0pp | -0.7%-1.1pp | 0.2%-0.1pp |
| Debt-to-Equity | 4.98-0.3x | 5.10-0.4x | 5.06-0.5x | 5.08-1.0x | 5.27-1.0x | 5.48-1.1x | 5.60-1.1x | 6.10-0.8x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 38.1%-4.7pp | 14.1%-18.5pp | 27.1%+35.6pp | 41.3%-12.6pp | 42.8%-12.3pp | 32.6%-5.7pp | -8.5%-45.8pp | 53.9%-6.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Pacific Premier Bancorp Inc PPBI | FY2024 | $619.8M | $158.8M | 25.6% | $2.4B | 46/100 |
| First Merchants Corp FRME | FY2025 | $662.9M | $226.0M | 34.1% | $2.4B | 65/100 |
| WaFd, Inc. WAFD | FY2025 | $725.5M | $226.1M | 31.2% | $2.2B | 46/100 |
| Trustmark Corp TRMK | FY2025 | $799.8M | $224.1M | 28.0% | $2.6B | 38/100 |
| CUSTOMERS BANCORP INC CUBI | FY2025 | $818.3M | $224.1M | 27.4% | $2.5B | 42/100 |
| First Bancorp/NC FBNC | FY2025 | $390.3M | $111.0M | 28.4% | $2.4B | 50/100 |
Where Pacific Premier Bancorp Inc Ranks
Frequently Asked Questions
What is Pacific Premier Bancorp Inc's annual revenue?
Pacific Premier Bancorp Inc (PPBI) reported $619.8M in total revenue for fiscal year 2024. This represents a 37.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Pacific Premier Bancorp Inc's revenue growing?
Pacific Premier Bancorp Inc (PPBI) revenue grew by 37.4% year-over-year, from $451.1M to $619.8M in fiscal year 2024.
Is Pacific Premier Bancorp Inc profitable?
Yes, Pacific Premier Bancorp Inc (PPBI) reported a net income of $158.8M in fiscal year 2024, with a net profit margin of 25.6%.
What is Pacific Premier Bancorp Inc's net profit margin?
Pacific Premier Bancorp Inc (PPBI) had a net profit margin of 25.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Pacific Premier Bancorp Inc pay dividends?
Yes, Pacific Premier Bancorp Inc (PPBI) paid $1.32 per share in dividends during fiscal year 2024.
What is Pacific Premier Bancorp Inc's return on equity (ROE)?
Pacific Premier Bancorp Inc (PPBI) has a return on equity of 5.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Pacific Premier Bancorp Inc's free cash flow?
Pacific Premier Bancorp Inc (PPBI) generated $222.8M in free cash flow during fiscal year 2024. This represents a -8.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Pacific Premier Bancorp Inc's operating cash flow?
Pacific Premier Bancorp Inc (PPBI) generated $226.5M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Pacific Premier Bancorp Inc's total assets?
Pacific Premier Bancorp Inc (PPBI) had $17.9B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Pacific Premier Bancorp Inc's capital expenditures?
Pacific Premier Bancorp Inc (PPBI) invested $3.7M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
What is Pacific Premier Bancorp Inc's debt-to-equity ratio?
Pacific Premier Bancorp Inc (PPBI) had a debt-to-equity ratio of 5.06 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Pacific Premier Bancorp Inc's return on assets (ROA)?
Pacific Premier Bancorp Inc (PPBI) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Pacific Premier Bancorp Inc's Piotroski F-Score?
Pacific Premier Bancorp Inc (PPBI) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Pacific Premier Bancorp Inc's earnings high quality?
Pacific Premier Bancorp Inc (PPBI) has an earnings quality ratio of 1.43x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Pacific Premier Bancorp Inc?
Pacific Premier Bancorp Inc (PPBI) scores 46 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.