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Pacific Premier Bancorp (PPBI) Financials

Pacific Premier Bancorp logo
$24.90 +0.49 (+1.99%)
As of 01:55 PM Eastern
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Annual Income Statements for Pacific Premier Bancorp

Annual Income Statements for Pacific Premier Bancorp

This table shows Pacific Premier Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 17 26 40 60 123 160 60 340 284 31 159
Consolidated Net Income / (Loss)		 17 26 40 60 123 160 60 340 284 31 159
Net Income / (Loss) Continuing Operations		 17 26 40 60 123 160 60 340 284 31 159
Total Pre-Tax Income 		27 41 65 102 166 218 73 461 384 34 212
Total Revenue		 87 121 173 279 424 483 646 770 786 451 620
Net Interest Income / (Expense)		 74 106 153 248 393 447 574 662 697 625 537
Total Interest Income		 81 118 167 270 448 526 631 697 769 888 823
Loans and Leases Interest Income		 76 111 158 251 415 486 578 622 674 718 655
Investment Securities Interest Income		 5.59 7.26 8.67 19 33 40 53 75 95 170 167
Total Interest Expense		 7.70 12 14 23 56 79 57 34 71 263 286
Deposits Interest Expense		 5.04 6.63 8.39 13 38 58 34 12 40 217 258
Long-Term Debt Interest Expense		 2.67 5.43 5.14 9.13 18 21 22 23 31 45 28
Total Non-Interest Income		 13 14 20 31 31 35 71 108 89 -174 83
Other Service Charges		 5.56 6.13 3.67 6.47 15 17 12 75 71 65 66
Net Realized & Unrealized Capital Gains on Investments		 7.82 8.26 11 15 12 15 22 21 4.95 -254 0.21
Other Non-Interest Income		 - - 4.60 9.44 3.43 3.49 37 11 13 14 17
Provision for Credit Losses		 4.68 6.43 9.30 8.43 8.25 5.72 192 -71 4.83 10 4.79
Total Non-Interest Expense		 55 74 98 168 250 259 381 380 397 407 403
Salaries and Employee Benefits		 28 37 53 84 130 139 180 216 225 214 211
Net Occupancy & Equipment Expense		 8.91 11 14 23 38 43 64 72 74 76 73
Marketing Expense		 1.21 2.31 3.98 4.44 6.15 6.40 5.89 6.92 7.63 7.08 5.07
Property & Liability Insurance Claims		 1.02 1.38 1.55 2.15 3.00 0.76 3.57 5.27 5.77 11 8.37
Other Operating Expenses		 14 16 19 27 41 52 61 64 70 87 94
Amortization Expense		 1.01 1.35 2.04 6.14 14 17 17 16 14 12 11
Income Tax Expense		 11 15 25 42 42 58 12 121 101 3.19 54
Basic Earnings per Share		 $0.97 $1.21 $1.49 $1.59 $2.29 $2.62 $0.75 $3.60 $2.99 $0.31 $1.65
Weighted Average Basic Shares Outstanding		 17.05M 21.16M 26.93M 37.71M 53.96M 60.34M 79.21M 93.53M 93.72M 94.11M 94.58M
Diluted Earnings per Share		 $0.96 $1.19 $1.46 $1.56 $2.26 $2.60 $0.75 $3.58 $2.98 $0.31 $1.65
Weighted Average Diluted Shares Outstanding		 17.34M 21.49M 27.44M 38.51M 54.61M 60.69M 79.51M 94.01M 94.09M 94.24M 94.68M
Weighted Average Basic & Diluted Shares Outstanding		 17.10M 21.10M 26.90M 37.80M 62.50M 59.58M 94.29M 94.38M 95.02M 95.86M 96.44M
Cash Dividends to Common per Share		 - - - - - $0.88 $1.03 $1.29 $1.32 $1.32 $1.32

Quarterly Income Statements for Pacific Premier Bancorp

This table shows Pacific Premier Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 73 74 63 58 46 -135 47 42 36 34 36
Consolidated Net Income / (Loss)		 73 74 63 58 46 -135 47 42 36 34 36
Net Income / (Loss) Continuing Operations		 73 74 63 58 46 -135 47 42 36 34 36
Total Pre-Tax Income 		99 100 85 78 62 -192 64 56 48 45 48
Total Revenue		 201 202 190 181 168 -87 171 155 150 145 145
Net Interest Income / (Expense)		 181 181 169 160 150 147 145 136 131 125 123
Total Interest Income		 199 218 221 225 224 217 213 208 206 195 187
Loans and Leases Interest Income		 174 184 181 183 177 177 173 168 163 151 149
Investment Securities Interest Income		 25 33 40 43 47 40 40 41 42 44 39
Total Interest Expense		 18 36 53 65 75 70 68 72 75 71 64
Deposits Interest Expense		 9.87 26 40 54 63 61 60 64 68 66 60
Long-Term Debt Interest Expense		 8.04 11 12 12 12 9.49 8.80 7.43 6.83 4.57 4.40
Total Non-Interest Income		 20 20 21 21 19 -234 26 18 19 20 21
Other Service Charges		 1.42 32 18 2.52 15 30 22 14 14 16 16
Net Realized & Unrealized Capital Gains on Investments		 0.06 0.15 0.17 0.35 0.05 -254 0.00 0.07 0.05 0.09 0.09
Other Non-Interest Income		 19 -12 3.37 18 3.58 -11 4.16 4.22 4.34 4.38 5.77
Provision for Credit Losses		 1.08 2.84 3.02 1.50 3.92 1.70 3.85 1.27 0.49 -0.81 -3.72
Total Non-Interest Expense		 101 99 101 101 102 103 103 98 102 101 100
Salaries and Employee Benefits		 56 54 54 53 54 52 54 53 53 50 53
Net Occupancy & Equipment Expense		 19 19 19 19 19 19 18 18 19 18 18
Marketing Expense		 1.91 1.99 1.84 1.88 1.64 1.73 1.56 1.72 0.86 0.93 0.94
Property & Liability Insurance Claims		 1.46 1.46 2.43 2.36 2.32 4.27 2.63 1.87 1.92 1.95 2.00
Other Operating Expenses		 19 19 21 21 22 23 23 20 24 27 24
Amortization Expense		 3.47 3.44 3.17 3.06 3.06 3.02 2.84 2.76 2.76 2.73 2.57
Income Tax Expense		 26 26 23 21 16 -56 17 14 12 11 12
Basic Earnings per Share		 $0.77 $0.77 $0.66 $0.60 $0.48 ($1.43) $0.49 $0.43 $0.37 $0.36 $0.37
Weighted Average Basic Shares Outstanding		 93.79M 93.72M 93.86M 94.17M 94.19M 94.11M 94.35M 94.63M 94.65M 94.58M 94.76M
Diluted Earnings per Share		 $0.77 $0.78 $0.66 $0.60 $0.48 ($1.43) $0.49 $0.43 $0.37 $0.36 $0.37
Weighted Average Diluted Shares Outstanding		 94.12M 94.09M 94.18M 94.22M 94.28M 94.24M 94.48M 94.72M 94.78M 94.68M 94.82M
Weighted Average Basic & Diluted Shares Outstanding		 95.01M 95.02M 95.80M 95.90M 95.90M 95.86M 96.43M 96.42M 96.44M 96.44M 97.06M
Cash Dividends to Common per Share		 $0.33 - $0.33 $0.33 $0.33 - $0.33 $0.33 $0.33 - $0.33

Annual Cash Flow Statements for Pacific Premier Bancorp

This table details how cash moves in and out of Pacific Premier Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -16 -33 78 40 6.24 123 554 -576 797 -165 -327
Net Cash From Operating Activities		 13 24 63 69 196 183 212 320 411 251 226
Net Cash From Continuing Operating Activities		 13 24 63 69 196 183 212 320 411 251 226
Net Income / (Loss) Continuing Operations		 17 26 40 60 123 160 60 340 284 31 159
Consolidated Net Income / (Loss)		 17 26 40 60 123 160 60 340 284 31 159
Provision For Loan Losses		 4.68 6.43 9.30 8.43 8.25 5.72 192 -71 4.83 10 4.79
Depreciation Expense		 2.20 2.43 2.85 4.89 7.77 9.82 13 16 15 14 12
Amortization Expense		 1.48 2.21 13 -2.43 -0.91 -5.39 -7.25 -0.76 5.29 9.83 -13
Non-Cash Adjustments to Reconcile Net Income		 -10 -11 6.88 2.34 40 14 -57 5.79 21 266 4.50
Changes in Operating Assets and Liabilities, net		 -1.53 -2.07 -8.72 -3.96 18 -0.92 11 30 81 -80 60
Net Cash From Investing Activities		 -252 -331 -431 -284 -137 -98 570 -2,008 -160 2,472 764
Net Cash From Continuing Investing Activities		 -252 -331 -431 -284 -137 -98 570 -2,008 -160 2,472 764
Purchase of Property, Leasehold Improvements and Equipment		 -1.45 -1.89 -12 -4.18 -10 -19 -11 -9.29 -7.48 -6.61 -3.66
Purchase of Investment Securities		 -218 -148 -476 -340 -575 -1,125 -2,815 -2,454 -1,011 -819 -1,957
Sale of Property, Leasehold Improvements and Equipment		 0.00 1.51 10 0.02 0.00 15 0.04 0.06 0.00 0.01 0.00
Sale and/or Maturity of Investments		 194 61 270 448 668 764 3,343 1,477 1,290 1,991 1,015
Other Investing Activities, net		 -226 -247 -263 -614 -367 267 54 -1,021 -431 1,307 1,710
Net Cash From Financing Activities		 223 275 446 255 -53 39 -229 1,111 546 -2,888 -1,318
Net Cash From Continuing Financing Activities		 223 275 446 255 -53 39 -229 1,111 546 -2,888 -1,318
Net Change in Deposits		 325 228 314 188 66 240 400 901 237 -2,357 -532
Issuance of Debt		 59 48 182 73 -108 7.38 -549 0.00 442 0.00 0.00
Repayment of Debt		 -155 0.00 -51 -9.26 -11 -54 0.00 355 0.00 -399 -655
Payment of Dividends		 - - - 0.00 0.00 -54 -80 -122 -125 -126 -127
Other Financing Activities, Net		 0.27 -0.74 1.35 3.33 0.26 -0.61 -0.00 -5.38 -8.05 -5.41 -4.07
Cash Interest Paid		 6.50 12 14 22 54 79 57 39 59 259 293
Cash Income Taxes Paid		 15 12 13 19 32 52 36 87 75 53 -12

Quarterly Cash Flow Statements for Pacific Premier Bancorp

This table details how cash moves in and out of Pacific Premier Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -234 362 324 39 -63 -464 92 -129 82 -373 159
Net Cash From Operating Activities		 123 78 75 101 92 -18 57 67 62 41 22
Net Cash From Continuing Operating Activities		 123 78 75 101 92 -18 57 67 62 41 22
Net Income / (Loss) Continuing Operations		 73 74 63 58 46 -135 47 42 36 34 36
Consolidated Net Income / (Loss)		 73 74 63 58 46 -135 47 42 36 34 36
Provision For Loan Losses		 1.08 2.84 3.02 1.50 3.92 1.70 3.85 1.27 0.49 -0.81 -3.72
Depreciation Expense		 3.68 3.59 3.55 3.56 3.51 3.23 3.09 3.01 2.95 2.70 2.97
Amortization Expense		 1.17 2.95 2.40 2.75 3.81 0.88 -3.96 -3.25 -3.58 -2.47 -0.16
Non-Cash Adjustments to Reconcile Net Income		 2.06 2.54 6.74 -0.73 1.02 259 -2.42 2.74 1.92 2.27 4.83
Changes in Operating Assets and Liabilities, net		 41 -7.75 -3.09 37 34 -147 9.37 21 25 4.97 -18
Net Cash From Investing Activities		 13 309 630 637 409 796 274 397 458 -365 -29
Net Cash From Continuing Investing Activities		 13 309 630 637 409 796 274 397 458 -365 -29
Purchase of Property, Leasehold Improvements and Equipment		 -0.92 -2.52 -2.46 -1.67 -1.47 -1.01 -1.21 -0.36 -0.62 -1.48 -1.21
Purchase of Investment Securities		 -413 -13 -240 -16 -20 -543 -170 -395 -165 -1,227 -460
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 0.00 - 0.01 0.00 - - - 0.00
Sale and/or Maturity of Investments		 300 89 367 172 88 1,364 207 296 158 354 173
Other Investing Activities, net		 127 236 506 483 342 -24 238 496 466 510 260
Net Cash From Financing Activities		 -370 -25 -382 -699 -564 -1,242 -239 -592 -438 -49 166
Net Cash From Continuing Financing Activities		 -370 -25 -382 -699 -564 -1,242 -239 -592 -438 -49 166
Net Change in Deposits		 -338 -394 -145 -668 -532 -1,012 192 -560 -147 -17 203
Repayment of Debt		 - 358 0.00 - - -399 -395 - -260 - 0.00
Payment of Dividends		 -31 -31 -31 -32 -32 -32 -32 -32 -32 -32 -32
Other Financing Activities, Net		 -0.09 0.05 -5.68 0.14 -0.17 0.30 -4.53 -0.14 0.52 0.08 -4.86
Cash Interest Paid		 12 31 44 61 72 82 73 68 79 73 67
Cash Income Taxes Paid		 16 27 -0.80 1.87 0.54 52 -3.66 0.19 -13 3.91 0.04

Annual Balance Sheets for Pacific Premier Bancorp

This table presents Pacific Premier Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 2,039 2,790 4,036 8,025 11,487 11,776 19,737 21,094 21,688 19,027 17,904
Cash and Due from Banks		 13 15 15 40 125 136 135 83 135 147 118
Federal Funds Sold		 - - - - - - 745 222 966 790 491
Time Deposits Placed and Other Short-Term Investments		 0.00 1.97 3.94 6.63 6.14 2.71 2.85 2.22 1.73 1.00 1.25
Trading Account Securities		 202 298 397 829 1,154 1,406 3,931 4,656 2,601 1,140 1,683
Loans and Leases, Net of Allowance		 1,616 2,237 3,220 6,167 8,801 -36 12,968 14,098 14,481 13,097 11,862
Loans and Leases		 1,629 2,254 3,242 6,196 8,837 - 13,236 14,296 14,676 13,289 12,040
Allowance for Loan and Lease Losses		 12 17 21 29 36 36 268 198 196 192 178
Loans Held for Sale		 - - - - - 1.67 0.60 11 2.64 0.00 2.32
Premises and Equipment, Net		 9.17 9.25 12 53 65 59 79 72 65 57 49
Goodwill		 23 51 102 493 809 808 899 901 901 901 901
Intangible Assets		 5.61 7.17 9.45 43 101 83 86 70 56 43 32
Other Assets		 72 106 134 235 349 9,124 890 15,078 2,479 2,851 2,764
Total Liabilities & Shareholders' Equity		 2,039 2,790 4,036 8,025 11,487 11,776 19,737 21,094 21,688 19,027 17,904
Total Liabilities		 1,839 2,491 3,577 6,783 9,518 9,763 16,990 18,208 18,890 16,144 14,948
Non-Interest Bearing Deposits		 457 712 1,186 2,227 3,496 3,858 6,011 6,757 6,307 4,933 4,617
Interest Bearing Deposits		 1,174 1,483 1,960 3,859 5,163 5,041 10,203 10,358 11,046 10,063 9,847
Long-Term Debt		 187 265 397 641 778 732 533 889 1,331 932 272
Other Long-Term Liabilities		 22 30 34 55 81 133 243 204 206 217 212
Total Equity & Noncontrolling Interests		 200 299 460 1,242 1,970 2,013 2,747 2,886 2,798 2,883 2,956
Total Preferred & Common Equity		 200 299 460 1,242 1,970 2,013 2,747 2,886 2,798 2,883 2,956
Preferred Stock		 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 200 299 460 1,242 1,970 2,013 2,747 2,886 2,798 2,883 2,956
Common Stock		 148 222 345 1,064 1,675 1,595 2,356 2,352 2,364 2,378 2,396
Retained Earnings		 51 77 117 177 300 396 331 542 700 604 635
Accumulated Other Comprehensive Income / (Loss)		 0.52 0.33 -2.72 0.42 -5.60 22 60 -7.86 -265 -100 -76

Quarterly Balance Sheets for Pacific Premier Bancorp

This table presents Pacific Premier Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 21,619 21,362 20,748 20,276 18,813 18,332 17,910 18,086
Cash and Due from Banks		 132 132 154 154 130 164 160 150
Federal Funds Sold		 607 1,292 1,309 1,246 899 736 822 619
Time Deposits Placed and Other Short-Term Investments		 1.73 1.73 1.49 1.24 1.00 1.00 1.25 1.25
Trading Account Securities		 2,661 2,113 2,012 1,915 1,154 1,320 1,317 1,758
Loans and Leases, Net of Allowance		 14,713 13,976 13,418 13,082 12,820 12,306 11,854 11,848
Loans and Leases		 14,909 14,172 13,610 13,270 13,012 12,490 12,035 12,023
Allowance for Loan and Lease Losses		 196 195 192 188 192 184 181 175
Loans Held for Sale		 2.16 1.25 2.18 0.64 - 0.14 - 0.00
Premises and Equipment, Net		 66 63 62 59 55 52 50 47
Goodwill		 901 901 901 901 901 901 901 901
Intangible Assets		 59 52 49 46 40 38 35 30
Other Assets		 2,476 16,804 2,839 2,870 2,813 2,814 2,770 2,732
Total Liabilities & Shareholders' Equity		 21,619 21,362 20,748 20,276 18,813 18,332 17,910 18,086
Total Liabilities		 18,884 18,530 17,899 17,420 15,910 15,409 14,966 15,118
Non-Interest Bearing Deposits		 6,775 6,209 5,896 5,782 4,998 4,616 4,639 4,827
Interest Bearing Deposits		 10,971 10,999 10,644 10,225 10,190 10,012 9,842 9,839
Long-Term Debt		 931 1,131 1,132 1,132 532 532 272 273
Other Long-Term Liabilities		 206 191 227 281 191 249 212 180
Total Equity & Noncontrolling Interests		 2,735 2,831 2,849 2,856 2,903 2,924 2,944 2,967
Total Preferred & Common Equity		 2,735 2,831 2,849 2,856 2,903 2,924 2,944 2,967
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 2,735 2,831 2,849 2,856 2,903 2,924 2,944 2,967
Common Stock		 2,359 2,363 2,368 2,373 2,379 2,385 2,391 2,396
Retained Earnings		 658 731 757 771 619 629 633 639
Accumulated Other Comprehensive Income / (Loss)		 -281 -263 -275 -289 -96 -90 -80 -68

Annual Metrics And Ratios for Pacific Premier Bancorp

This table displays calculated financial ratios and metrics derived from Pacific Premier Bancorp's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 29.38% 38.70% 43.08% 61.35% 52.09% 13.88% 33.78% 19.32% 2.03% -42.60% 37.39%
EBITDA Growth		 84.70% 46.28% 79.01% 28.92% 64.73% 28.84% -64.58% 504.87% -15.05% -85.73% 265.50%
EBIT Growth		 87.48% 48.98% 60.39% 56.51% 61.97% 31.51% -66.66% 534.73% -16.59% -91.14% 524.16%
NOPAT Growth		 84.77% 53.56% 57.17% 49.86% 105.22% 29.49% -62.21% 463.19% -16.52% -89.13% 414.72%
Net Income Growth		 84.77% 53.56% 57.17% 49.86% 105.22% 29.49% -62.21% 463.19% -16.52% -89.13% 414.72%
EPS Growth		 77.78% 23.96% 22.69% 6.85% 44.87% 15.04% -71.15% 377.33% -16.76% -89.60% 432.26%
Operating Cash Flow Growth		 -14.94% 79.47% 168.06% 9.34% 183.25% -7.02% 16.21% 50.83% 28.36% -38.94% -9.77%
Free Cash Flow Firm Growth		 116.37% -873.22% -65.86% -282.47% 23.31% 121.95% -391.46% 67.13% 54.46% 587.55% 115.31%
Invested Capital Growth		 -0.79% 46.00% 51.87% 119.74% 45.89% -0.11% 19.47% 15.12% 9.40% -7.63% -15.37%
Revenue Q/Q Growth		 6.60% 7.41% 8.58% 17.25% 9.54% -0.37% 11.90% 0.87% 0.50% -39.07% 59.79%
EBITDA Q/Q Growth		 2.07% 15.49% 29.16% -7.67% 22.74% -0.20% 94.14% 6.27% -3.55% -83.60% 1,073.18%
EBIT Q/Q Growth		 0.37% 17.40% 10.82% 19.04% 13.33% -0.37% 96.90% 5.85% -3.88% -89.55% 983.92%
NOPAT Q/Q Growth		 -1.85% 19.55% 10.74% 7.55% 23.50% 0.92% 75.88% 5.49% -3.78% -87.14% 1,043.80%
Net Income Q/Q Growth		 -1.85% 19.55% 10.74% 7.55% 23.50% 0.92% 75.88% 5.49% -3.78% -87.14% 1,617.17%
EPS Q/Q Growth		 -2.04% 14.42% 3.55% -3.70% 12.44% 1.96% 92.31% -3.50% -3.87% -87.70% 1,278.57%
Operating Cash Flow Q/Q Growth		 -18.22% 46.05% 29.29% 9.11% 16.42% -2.93% -4.70% 7.51% 3.60% -27.53% 34.49%
Free Cash Flow Firm Q/Q Growth		 111.01% -125.67% -278.42% -31.94% 44.91% -30.93% -23.18% -166.54% -33.87% 527.85% -1.21%
Invested Capital Q/Q Growth		 -16.64% 2.14% 30.75% 30.46% -4.88% -2.37% 1.51% 13.75% 12.63% -4.33% 0.37%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 35.64% 37.59% 47.02% 37.57% 40.70% 46.04% 12.19% 61.81% 51.46% 12.79% 34.04%
EBIT Margin		 31.42% 33.74% 37.83% 36.69% 39.08% 45.13% 11.25% 59.83% 48.91% 7.55% 34.28%
Profit (Net Income) Margin		 19.10% 21.14% 23.22% 21.57% 29.11% 33.10% 9.35% 44.13% 36.11% 6.84% 25.62%
Tax Burden Percent		 60.79% 62.65% 61.40% 58.79% 74.49% 73.35% 83.13% 73.76% 73.82% 90.63% 74.74%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 39.21% 37.35% 38.60% 41.21% 25.51% 26.65% 16.87% 26.24% 26.18% 9.37% 25.26%
Return on Invested Capital (ROIC)		 4.28% 5.37% 5.64% 4.39% 5.33% 5.82% 2.00% 9.64% 7.18% 0.78% 4.51%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.28% 5.37% 5.64% 4.39% 5.33% 5.82% 2.00% 9.64% 7.18% 0.78% 4.51%
Return on Net Nonoperating Assets (RNNOA)		 4.58% 4.87% 4.93% 2.68% 2.35% 2.21% 0.53% 2.43% 2.80% 0.31% 0.93%
Return on Equity (ROE)		 8.87% 10.24% 10.57% 7.06% 7.68% 8.02% 2.54% 12.07% 9.98% 1.09% 5.44%
Cash Return on Invested Capital (CROIC)		 5.08% -32.03% -35.54% -70.51% -32.00% 5.92% -15.74% -4.42% -1.80% 8.71% 21.16%
Operating Return on Assets (OROA)		 1.46% 1.69% 1.91% 1.70% 1.70% 1.87% 0.46% 2.26% 1.80% 0.17% 1.15%
Return on Assets (ROA)		 0.89% 1.06% 1.18% 1.00% 1.26% 1.37% 0.38% 1.66% 1.33% 0.15% 0.86%
Return on Common Equity (ROCE)		 8.87% 10.24% 10.57% 7.06% 7.68% 8.02% 2.54% 12.07% 9.98% 1.09% 5.44%
Return on Equity Simple (ROE_SIMPLE)		 8.33% 8.53% 8.72% 4.84% 6.26% 7.94% 2.20% 11.78% 10.14% 1.07% 5.37%
Net Operating Profit after Tax (NOPAT)		 17 26 40 60 123 160 60 340 284 31 159
NOPAT Margin		 19.10% 21.14% 23.22% 21.57% 29.11% 33.10% 9.35% 44.13% 36.11% 6.84% 25.62%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 43.47% 41.46% 41.07% 40.03% 41.06% 39.10% 38.75% 38.25% 39.06% 65.70% 46.68%
Operating Expenses to Revenue		 63.20% 60.93% 56.79% 60.28% 58.98% 53.69% 59.04% 49.37% 50.48% 90.21% 64.95%
Earnings before Interest and Taxes (EBIT)		 27 41 65 102 166 218 73 461 384 34 212
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 31 45 81 105 172 222 79 476 404 58 211
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.15 1.20 1.67 1.17 0.64 0.78 0.91 1.14 0.95 0.91 0.80
Price to Tangible Book Value (P/TBV)		 1.34 1.49 2.21 2.06 1.18 1.39 1.42 1.72 1.44 1.35 1.17
Price to Revenue (P/Rev)		 2.64 2.97 4.44 5.21 2.95 3.24 3.87 4.27 3.37 5.78 3.83
Price to Earnings (P/E)		 13.83 14.06 19.14 24.15 10.15 9.78 41.35 9.68 9.32 84.57 14.94
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 3.34% 3.90% 3.70% 4.74% 4.85% 5.37%
Earnings Yield		 7.23% 7.11% 5.23% 4.14% 9.86% 10.22% 2.42% 10.33% 10.73% 1.18% 6.69%
Enterprise Value to Invested Capital (EV/IC)		 0.79 0.96 1.17 1.00 0.66 0.72 0.65 1.03 0.70 0.68 0.63
Enterprise Value to Revenue (EV/Rev)		 3.52 4.51 5.81 6.78 4.30 4.07 3.32 5.03 3.66 5.77 3.28
Enterprise Value to EBITDA (EV/EBITDA)		 9.86 11.99 12.36 18.04 10.55 8.84 27.25 8.14 7.10 45.11 9.64
Enterprise Value to EBIT (EV/EBIT)		 11.19 13.35 15.37 18.48 10.99 9.02 29.54 8.40 7.47 76.48 9.58
Enterprise Value to NOPAT (EV/NOPAT)		 18.41 21.31 25.04 31.43 14.76 12.30 35.53 11.39 10.12 84.39 12.81
Enterprise Value to Operating Cash Flow (EV/OCF)		 23.19 22.98 15.82 27.23 9.26 10.76 10.10 12.09 6.99 10.37 8.98
Enterprise Value to Free Cash Flow (EV/FCFF)		 15.53 0.00 0.00 0.00 0.00 12.08 0.00 0.00 0.00 7.52 2.73
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.94 0.89 0.86 0.52 0.40 0.36 0.19 0.31 0.48 0.32 0.09
Long-Term Debt to Equity		 0.94 0.89 0.86 0.52 0.40 0.36 0.19 0.31 0.48 0.32 0.09
Financial Leverage		 1.07 0.91 0.87 0.61 0.44 0.38 0.27 0.25 0.39 0.40 0.21
Leverage Ratio		 10.01 9.68 9.00 7.09 6.08 5.84 6.62 7.25 7.53 7.17 6.33
Compound Leverage Factor		 10.01 9.68 9.00 7.09 6.08 5.84 6.62 7.25 7.53 7.17 6.33
Debt to Total Capital		 48.37% 47.02% 46.36% 34.06% 28.31% 26.68% 16.24% 23.54% 32.24% 24.43% 8.44%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 48.37% 47.02% 46.36% 34.06% 28.31% 26.68% 16.24% 23.54% 32.24% 24.43% 8.44%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 51.63% 52.98% 53.64% 65.94% 71.69% 73.32% 83.76% 76.46% 67.76% 75.57% 91.56%
Debt to EBITDA		 6.03 5.85 4.89 6.13 4.51 3.30 6.77 1.87 3.29 16.14 1.29
Net Debt to EBITDA		 2.45 4.08 2.91 4.18 3.30 1.81 -4.46 1.22 0.56 -0.10 -1.60
Long-Term Debt to EBITDA		 6.03 5.85 4.89 6.13 4.51 3.30 6.77 1.87 3.29 16.14 1.29
Debt to NOPAT		 11.25 10.40 9.91 10.67 6.31 4.58 8.82 2.61 4.69 30.20 1.72
Net Debt to NOPAT		 4.58 7.25 5.90 7.28 4.61 2.52 -5.82 1.71 0.80 -0.18 -2.13
Long-Term Debt to NOPAT		 11.25 10.40 9.91 10.67 6.31 4.58 8.82 2.61 4.69 30.20 1.72
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 20 -152 -253 -966 -741 163 -474 -156 -71 346 745
Operating Cash Flow to CapEx		 910.77% 6,212.34% 3,302.81% 1,665.57% 1,908.61% 4,474.41% 1,867.83% 3,467.41% 5,498.02% 3,804.46% 6,184.03%
Free Cash Flow to Firm to Interest Expense		 2.56 -12.63 -18.67 -42.94 -13.30 2.06 -8.39 -4.53 -0.99 1.32 2.61
Operating Cash Flow to Interest Expense		 1.71 1.96 4.69 3.08 3.53 2.32 3.76 9.32 5.75 0.95 0.79
Operating Cash Flow Less CapEx to Interest Expense		 1.52 1.93 4.55 2.90 3.34 2.27 3.56 9.05 5.65 0.93 0.78
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.02 0.03
Fixed Asset Turnover		 9.15 13.11 16.24 8.55 7.19 7.80 9.36 10.22 11.52 7.44 11.78
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 387 564 857 1,883 2,748 2,745 3,279 3,775 4,130 3,814 3,228
Invested Capital Turnover		 0.22 0.25 0.24 0.20 0.18 0.18 0.21 0.22 0.20 0.11 0.18
Increase / (Decrease) in Invested Capital		 -3.08 178 293 1,026 864 -2.93 534 496 355 -315 -586
Enterprise Value (EV)		 306 544 1,004 1,889 1,820 1,965 2,144 3,873 2,873 2,603 2,035
Market Capitalization		 230 359 767 1,451 1,252 1,563 2,496 3,291 2,645 2,609 2,373
Book Value per Share		 $11.81 $13.90 $16.62 $26.87 $31.53 $33.90 $29.10 $30.59 $29.45 $30.06 $30.65
Tangible Book Value per Share		 $10.12 $11.20 $12.58 $15.27 $16.97 $18.88 $18.67 $20.30 $19.38 $20.21 $20.97
Total Capital		 387 564 857 1,883 2,748 2,745 3,279 3,775 4,130 3,814 3,228
Total Debt		 187 265 397 641 778 732 533 889 1,331 932 272
Total Long-Term Debt		 187 265 397 641 778 732 533 889 1,331 932 272
Net Debt		 76 185 237 438 568 403 -351 582 228 -5.63 -338
Capital Expenditures (CapEx)		 1.45 0.38 1.92 4.17 10 4.08 11 9.24 7.48 6.60 3.66
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 187 265 397 641 778 732 533 889 1,331 932 272
Total Depreciation and Amortization (D&A)		 3.67 4.64 16 2.46 6.87 4.43 6.10 15 20 24 -1.51
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.97 $1.21 $1.49 $1.59 $2.29 $2.62 $0.75 $3.60 $2.99 $0.31 $1.65
Adjusted Weighted Average Basic Shares Outstanding		 17.05M 21.16M 26.93M 37.71M 53.96M 60.34M 79.21M 93.53M 93.72M 94.11M 94.58M
Adjusted Diluted Earnings per Share		 $0.96 $1.19 $1.46 $1.56 $2.26 $2.60 $0.75 $3.58 $2.98 $0.31 $1.65
Adjusted Weighted Average Diluted Shares Outstanding		 17.34M 21.49M 27.44M 38.51M 54.61M 60.69M 79.51M 94.01M 94.09M 94.24M 94.68M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 21.38M 27.42M 27.91M 46.24M 62.50M 59.58M 94.29M 94.38M 95.02M 95.86M 96.44M
Normalized Net Operating Profit after Tax (NOPAT)		 18 29 43 72 137 160 101 340 284 31 159
Normalized NOPAT Margin		 20.14% 23.63% 24.78% 26.00% 32.35% 33.20% 15.68% 44.13% 36.11% 6.84% 25.62%
Pre Tax Income Margin		 31.42% 33.74% 37.83% 36.69% 39.08% 45.13% 11.25% 59.83% 48.91% 7.55% 34.28%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.55 3.38 4.83 4.54 2.97 2.76 1.28 13.41 5.38 0.13 0.74
NOPAT to Interest Expense		 2.16 2.12 2.96 2.67 2.21 2.03 1.07 9.89 3.97 0.12 0.56
EBIT Less CapEx to Interest Expense		 3.36 3.35 4.69 4.36 2.79 2.71 1.08 13.14 5.27 0.10 0.73
NOPAT Less CapEx to Interest Expense		 1.97 2.08 2.82 2.49 2.03 1.97 0.87 9.62 3.87 0.09 0.54
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 33.73% 132.39% 35.86% 44.11% 409.26% 80.04%
Augmented Payout Ratio		 33.93% 0.45% 0.31% 0.00% 0.00% 96.34% 132.39% 41.18% 44.11% 409.26% 80.04%

Quarterly Metrics And Ratios for Pacific Premier Bancorp

This table displays calculated financial ratios and metrics derived from Pacific Premier Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.06% 1.97% 1.10% -7.35% -16.48% -143.29% -9.96% -14.40% -10.91% 265.33% -15.25%
EBITDA Growth		 -17.41% -12.27% -3.43% -14.50% -33.48% -276.45% -30.47% -34.50% -32.18% 123.90% -19.62%
EBIT Growth		 -19.15% -13.45% -4.70% -17.83% -37.59% -292.12% -24.60% -28.93% -23.17% 123.26% -25.08%
NOPAT Growth		 -18.57% -13.15% -6.49% -17.43% -37.26% -282.31% -24.83% -27.29% -21.84% 125.24% -23.40%
Net Income Growth		 -18.57% -13.15% -6.49% -17.43% -37.26% -283.75% -24.83% -27.29% -21.84% 125.04% -23.40%
EPS Growth		 -18.95% -13.33% -5.71% -17.81% -37.66% -283.33% -25.76% -28.33% -22.92% 125.17% -24.49%
Operating Cash Flow Growth		 42.40% 22.49% -43.21% 29.79% -25.03% -122.50% -24.24% -34.27% -32.22% 331.63% -61.97%
Free Cash Flow Firm Growth		 -13,224.00% 31.60% 56.91% 27.38% -0.07% 164.35% 408.64% 339.17% 393.70% 242.87% -59.78%
Invested Capital Growth		 10.48% 9.40% 6.70% 7.99% 8.75% -7.63% -13.32% -13.18% -19.34% -15.37% -5.68%
Revenue Q/Q Growth		 3.24% 0.31% -5.99% -4.83% -6.94% -152.00% 295.53% -9.53% -3.14% -3.51% 0.22%
EBITDA Q/Q Growth		 5.06% 2.13% -14.13% -7.20% -18.26% -370.91% 133.84% -12.58% -15.38% -4.54% 13.82%
EBIT Q/Q Growth		 4.00% 0.54% -14.46% -8.12% -21.01% -409.49% 133.57% -13.40% -14.61% -6.30% 8.12%
NOPAT Q/Q Growth		 5.10% 0.42% -15.08% -7.87% -20.14% -391.79% 135.01% -10.89% -14.14% -5.80% 6.28%
Net Income Q/Q Growth		 5.10% 0.42% -15.08% -7.87% -20.14% -394.10% 134.74% -10.89% -14.14% -5.80% 6.28%
EPS Q/Q Growth		 5.48% 1.30% -15.38% -9.09% -20.00% -397.92% 134.27% -12.24% -13.95% -2.70% 2.78%
Operating Cash Flow Q/Q Growth		 57.46% -36.63% -3.42% 34.68% -9.04% -119.02% 425.20% 16.85% -6.21% -35.01% -46.60%
Free Cash Flow Firm Q/Q Growth		 15.85% -2.36% 33.74% -27.22% -15.97% 165.83% 217.79% -1.41% 42.41% -23.15% -62.72%
Invested Capital Q/Q Growth		 -0.53% 12.63% -4.05% 0.46% 0.16% -4.33% -9.95% 0.61% -6.94% 0.37% 0.36%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 51.76% 52.71% 48.15% 46.94% 41.23% 0.00% 37.18% 35.92% 31.39% 31.05% 35.26%
EBIT Margin		 49.35% 49.47% 45.01% 43.45% 36.88% 0.00% 37.69% 36.08% 31.81% 30.89% 33.32%
Profit (Net Income) Margin		 36.45% 36.49% 32.96% 31.91% 27.38% 0.00% 27.52% 27.10% 24.02% 23.45% 24.87%
Tax Burden Percent		 73.86% 73.77% 73.23% 73.43% 74.25% 70.56% 73.00% 75.12% 75.53% 75.93% 74.64%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.14% 26.23% 26.77% 26.57% 25.75% 0.00% 27.00% 24.88% 24.47% 24.07% 25.36%
Return on Invested Capital (ROIC)		 8.16% 7.26% 6.77% 6.44% 5.30% 0.00% 3.22% 2.96% 2.59% 4.13% 4.42%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.16% 7.26% 6.77% 6.44% 5.30% 0.00% 3.22% 2.96% 2.59% 4.13% 4.42%
Return on Net Nonoperating Assets (RNNOA)		 2.07% 2.83% 2.49% 2.37% 1.95% 0.00% 0.93% 0.85% 0.63% 0.85% 0.61%
Return on Equity (ROE)		 10.23% 10.09% 9.25% 8.81% 7.25% 0.00% 4.15% 3.81% 3.21% 4.98% 5.03%
Cash Return on Invested Capital (CROIC)		 -1.52% -1.80% 0.80% -0.71% -2.11% 8.71% 14.68% 13.93% 20.94% 21.16% 10.28%
Operating Return on Assets (OROA)		 1.81% 1.82% 1.65% 1.57% 1.30% 0.00% 0.81% 0.75% 0.65% 1.04% 1.07%
Return on Assets (ROA)		 1.34% 1.34% 1.21% 1.16% 0.97% 0.00% 0.59% 0.56% 0.49% 0.79% 0.80%
Return on Common Equity (ROCE)		 10.23% 10.09% 9.25% 8.81% 7.25% 0.00% 4.15% 3.81% 3.21% 4.98% 5.03%
Return on Equity Simple (ROE_SIMPLE)		 10.78% 0.00% 9.87% 9.38% 8.40% 0.00% 0.53% -0.01% -0.36% 0.00% 4.98%
Net Operating Profit after Tax (NOPAT)		 73 74 63 58 46 -134 47 42 36 34 36
NOPAT Margin		 36.45% 36.49% 32.96% 31.91% 27.38% 0.00% 27.52% 27.10% 24.02% 23.45% 24.87%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.09% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 38.42% 37.13% 39.59% 41.19% 44.38% 0.00% 43.30% 47.28% 48.70% 47.93% 49.33%
Operating Expenses to Revenue		 50.11% 49.13% 53.40% 55.72% 60.79% 0.00% 60.05% 63.10% 67.87% 69.68% 69.25%
Earnings before Interest and Taxes (EBIT)		 99 100 85 78 62 -192 64 56 48 45 48
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 104 106 91 85 69 -188 64 56 47 45 51
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.96 0.95 0.74 0.65 0.69 0.91 0.77 0.75 0.82 0.80 0.69
Price to Tangible Book Value (P/TBV)		 1.49 1.44 1.11 0.97 1.03 1.35 1.14 1.10 1.21 1.17 1.01
Price to Revenue (P/Rev)		 3.37 3.37 2.65 2.38 2.66 5.78 5.18 5.38 6.25 3.83 3.46
Price to Earnings (P/E)		 8.94 9.32 7.47 6.90 8.20 84.57 146.13 0.00 0.00 14.94 13.91
Dividend Yield		 4.76% 4.74% 6.01% 6.86% 6.43% 4.85% 5.66% 5.82% 5.25% 5.37% 6.19%
Earnings Yield		 11.19% 10.73% 13.39% 14.49% 12.19% 1.18% 0.68% 0.00% 0.00% 6.69% 7.19%
Enterprise Value to Invested Capital (EV/IC)		 0.77 0.70 0.45 0.38 0.43 0.68 0.51 0.53 0.53 0.63 0.48
Enterprise Value to Revenue (EV/Rev)		 3.61 3.66 2.27 1.95 2.29 5.77 4.03 4.47 4.42 3.28 2.63
Enterprise Value to EBITDA (EV/EBITDA)		 6.74 7.10 4.46 3.90 4.83 45.11 58.24 2,897.56 0.00 9.64 7.86
Enterprise Value to EBIT (EV/EBIT)		 7.07 7.47 4.71 4.16 5.21 76.48 133.56 0.00 0.00 9.58 7.94
Enterprise Value to NOPAT (EV/NOPAT)		 9.58 10.12 6.41 5.65 7.08 84.39 113.62 0.00 0.00 12.81 10.55
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.12 6.99 5.06 4.01 4.90 10.37 7.48 9.17 10.18 8.98 8.16
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 58.49 0.00 0.00 7.52 3.20 3.51 2.27 2.73 4.55
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.34 0.48 0.40 0.40 0.40 0.32 0.18 0.18 0.09 0.09 0.09
Long-Term Debt to Equity		 0.34 0.48 0.40 0.40 0.40 0.32 0.18 0.18 0.09 0.09 0.09
Financial Leverage		 0.25 0.39 0.37 0.37 0.37 0.40 0.29 0.29 0.24 0.21 0.14
Leverage Ratio		 7.65 7.53 7.66 7.63 7.49 7.17 7.01 6.77 6.58 6.33 6.29
Compound Leverage Factor		 7.65 7.53 7.66 7.63 7.49 7.17 7.01 6.77 6.58 6.33 6.29
Debt to Total Capital		 25.39% 32.24% 28.55% 28.43% 28.38% 24.43% 15.49% 15.40% 8.47% 8.44% 8.41%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 25.39% 32.24% 28.55% 28.43% 28.38% 24.43% 15.49% 15.40% 8.47% 8.44% 8.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 74.61% 67.76% 71.45% 71.57% 71.62% 75.57% 84.51% 84.60% 91.53% 91.56% 91.59%
Debt to EBITDA		 2.22 3.29 2.82 2.93 3.22 16.14 17.81 848.74 -12.56 1.29 1.37
Net Debt to EBITDA		 0.45 0.56 -0.74 -0.86 -0.77 -0.10 -16.66 -587.96 32.81 -1.60 -2.50
Long-Term Debt to EBITDA		 2.22 3.29 2.82 2.93 3.22 16.14 17.81 848.74 -12.56 1.29 1.37
Debt to NOPAT		 3.16 4.69 4.05 4.23 4.72 30.20 34.74 -78.58 -16.18 1.72 1.84
Net Debt to NOPAT		 0.64 0.80 -1.06 -1.25 -1.12 -0.18 -32.50 54.43 42.27 -2.13 -3.36
Long-Term Debt to NOPAT		 3.16 4.69 4.05 4.23 4.72 30.20 34.74 -78.58 -16.18 1.72 1.84
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -275 -281 -186 -237 -275 181 575 567 807 620 231
Operating Cash Flow to CapEx		 13,408.19% 3,094.83% 3,052.01% 6,073.07% 6,259.82% -1,758.13% 4,733.67% 18,432.96% 10,017.66% 2,749.83% 1,789.92%
Free Cash Flow to Firm to Interest Expense		 -15.33 -7.72 -3.53 -3.63 -3.69 2.57 8.41 7.91 10.80 8.74 3.61
Operating Cash Flow to Interest Expense		 6.86 2.14 1.43 1.55 1.24 -0.25 0.83 0.93 0.84 0.57 0.34
Operating Cash Flow Less CapEx to Interest Expense		 6.81 2.07 1.38 1.52 1.22 -0.26 0.82 0.92 0.83 0.55 0.32
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.02 0.02 0.02 0.02 0.03 0.03
Fixed Asset Turnover		 11.29 11.52 11.77 11.91 11.84 7.44 7.31 7.15 7.10 11.78 11.69
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,666 4,130 3,963 3,981 3,987 3,814 3,435 3,456 3,216 3,228 3,240
Invested Capital Turnover		 0.22 0.20 0.21 0.20 0.19 0.11 0.12 0.11 0.11 0.18 0.18
Increase / (Decrease) in Invested Capital		 348 355 249 295 321 -315 -528 -525 -771 -586 -195
Enterprise Value (EV)		 2,826 2,873 1,791 1,510 1,698 2,603 1,740 1,817 1,715 2,035 1,559
Market Capitalization		 2,636 2,645 2,086 1,844 1,968 2,609 2,238 2,185 2,426 2,373 2,056
Book Value per Share		 $28.81 $29.45 $29.79 $29.74 $29.78 $30.06 $30.77 $30.32 $30.53 $30.65 $30.77
Tangible Book Value per Share		 $18.69 $19.38 $19.76 $19.82 $19.89 $20.21 $20.78 $20.58 $20.82 $20.97 $21.11
Total Capital		 3,666 4,130 3,963 3,981 3,987 3,814 3,435 3,456 3,216 3,228 3,240
Total Debt		 931 1,331 1,131 1,132 1,132 932 532 532 272 272 273
Total Long-Term Debt		 931 1,331 1,131 1,132 1,132 932 532 532 272 272 273
Net Debt		 190 228 -295 -334 -270 -5.63 -498 -369 -711 -338 -497
Capital Expenditures (CapEx)		 0.92 2.52 2.46 1.67 1.47 1.00 1.20 0.36 0.62 1.48 1.21
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 1.07 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 931 1,331 1,131 1,132 1,132 932 532 532 272 272 273
Total Depreciation and Amortization (D&A)		 4.86 6.54 5.95 6.31 7.31 4.11 -0.88 -0.24 -0.63 0.24 2.82
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.77 $0.66 $0.60 $0.48 ($1.43) $0.49 $0.43 $0.37 $0.36 $0.37
Adjusted Weighted Average Basic Shares Outstanding		 0.00 93.72M 93.86M 94.17M 94.19M 94.11M 94.35M 94.63M 94.65M 94.58M 94.76M
Adjusted Diluted Earnings per Share		 $0.00 $0.78 $0.66 $0.60 $0.48 ($1.43) $0.49 $0.43 $0.37 $0.36 $0.37
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 94.09M 94.18M 94.22M 94.28M 94.24M 94.48M 94.72M 94.78M 94.68M 94.82M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 95.02M 95.80M 95.90M 95.90M 95.86M 96.43M 96.42M 96.44M 96.44M 97.06M
Normalized Net Operating Profit after Tax (NOPAT)		 73 74 63 58 46 -134 47 42 36 34 36
Normalized NOPAT Margin		 36.45% 36.49% 32.96% 31.91% 27.38% 0.00% 27.52% 27.10% 24.02% 23.45% 24.87%
Pre Tax Income Margin		 49.35% 49.47% 45.01% 43.45% 36.88% 0.00% 37.69% 36.08% 31.81% 30.89% 33.32%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.55 2.74 1.62 1.20 0.83 -2.73 0.94 0.78 0.64 0.63 0.75
NOPAT to Interest Expense		 4.10 2.02 1.19 0.88 0.62 -1.91 0.69 0.58 0.48 0.48 0.56
EBIT Less CapEx to Interest Expense		 5.49 2.68 1.57 1.18 0.81 -2.74 0.93 0.77 0.63 0.61 0.74
NOPAT Less CapEx to Interest Expense		 4.04 1.96 1.14 0.86 0.60 -1.92 0.67 0.58 0.47 0.46 0.54
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 42.37% 44.11% 44.87% 47.02% 52.51% 409.26% 826.27% -30,469.71% -1,212.66% 80.04% 86.13%
Augmented Payout Ratio		 42.37% 44.11% 44.87% 47.02% 52.51% 409.26% 826.27% -30,469.71% -1,212.66% 80.04% 86.13%

Key Financial Trends

Pacific Premier Bancorp (NASDAQ: PPBI) has demonstrated generally stable performance over the last four years through Q1 2025, with key strengths and some areas of volatility observed in its financial statements.

Positive trends and highlights:

  • Net income has recovered strongly after a significant loss in Q4 2023, with Q1 2025 reporting $36.0 million versus the negative $135.4 million in Q4 2023, reflecting improved profitability.
  • Net interest income remains robust, though slightly lower in Q1 2025 ($123.4M) compared to previous quarters; it stays the largest revenue contributor.
  • Consistent dividend payments at $0.33 per share quarterly demonstrate a shareholder-friendly approach despite earnings volatility.
  • Operating cash flows have been positive in recent quarters, with $21.7M in Q1 2025, supporting healthy liquidity from operating activities.
  • Total assets have remained relatively stable around $18-21 billion with strong loan portfolios net of allowances, indicating steady growth and asset quality management.
  • Deposits have generally grown over the years, rising to over $14 billion in Q1 2025, aiding funding stability.
  • The allowance for loan and lease losses remains consistent relative to loan balances, suggesting prudent credit risk management.
  • Non-interest income, particularly from service charges, has remained steady around $15-20 million quarterly, providing revenue diversification.

Neutral or mixed factors:

  • Non-interest expenses have fluctuated but remain around $97M-$102M quarterly, requiring monitoring to sustain profitability.
  • Capital expenditures and investment purchases remain significant and variable, reflecting ongoing investment in the business but impacting cash flows.
  • Goodwill and intangible asset levels have remained elevated (~$900M goodwill), which may affect future impairment risk.
  • Interest expense on deposits and debt shows some variability with debt levels changing significantly over quarters, impacting net interest margin.

Negative observations and risks:

  • Q4 2023 experienced a substantial net loss of $135.4 million largely due to a significant negative impact on non-interest income (around -$234M), indicating volatility in gains/losses or one-time charges.
  • Non-interest income showed sharp negative swings in Q4 2023 and prior, driven by realized and unrealized capital gains/losses, leading to unpredictability in total revenue.
  • There was a significant negative net cash from investing activities in several quarters, reflecting heavy cash outflows that could pressure liquidity if not managed carefully.
  • Long-term debt levels spiked in mid-2024 to over $530M and earlier peaked over $1 billion in 2023 Q3, increasing interest expense and financial leverage risks.
  • Accumulated other comprehensive income losses remain sizable (around -$68M to -$288M), potentially impairing equity stability in adverse market conditions.

Overall, Pacific Premier Bancorp shows resilience with strong core earnings and deposits but has faced episodic volatility in capital gains and investment income that impacts quarterly profits. Cost control and managing non-interest income volatility will be key for sustained positive momentum. The bank's stable dividend and positive operating cash flows indicate confidence in ongoing operations, but investors should watch for fluctuations in capital markets exposure and debt servicing costs.

08/29/25 01:55 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Pacific Premier Bancorp's Financials

When does Pacific Premier Bancorp's fiscal year end?

According to the most recent income statement we have on file, Pacific Premier Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Pacific Premier Bancorp's net income changed over the last 10 years?

Pacific Premier Bancorp's net income appears to be on an upward trend, with a most recent value of $158.80 million in 2024, rising from $16.62 million in 2014. The previous period was $30.85 million in 2023. Find out what analysts predict for Pacific Premier Bancorp in the coming months.

How has Pacific Premier Bancorp's revenue changed over the last 10 years?

Over the last 10 years, Pacific Premier Bancorp's total revenue changed from $87.01 million in 2014 to $619.79 million in 2024, a change of 612.3%.

How much debt does Pacific Premier Bancorp have?

Pacific Premier Bancorp's total liabilities were at $14.95 billion at the end of 2024, a 7.4% decrease from 2023, and a 712.7% increase since 2014.

How much cash does Pacific Premier Bancorp have?

In the past 10 years, Pacific Premier Bancorp's cash and equivalents has ranged from $12.56 million in 2014 to $146.70 million in 2023, and is currently $117.96 million as of their latest financial filing in 2024.

How has Pacific Premier Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Pacific Premier Bancorp's book value per share changed from 11.81 in 2014 to 30.65 in 2024, a change of 159.4%.


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This page (NASDAQ:PPBI) was last updated on 8/29/2025 by MarketBeat.com Staff
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