Pacific Premier Bancorp (PPBI) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Pacific Premier Bancorp (PPBI) reported revenue of $144.83 million for Q1 2025, a year-over-year decline of 15.3%, with EPS of $0.37 compared to $0.49 a year ago [1] - The reported revenue exceeded the Zacks Consensus Estimate of $142.23 million by 1.83%, while the EPS surprised by 23.33% against the consensus estimate of $0.30 [1] Financial Performance Metrics - Net interest margin was 3.1%, surpassing the three-analyst average estimate of 3% [4] - Efficiency Ratio stood at 67.5%, better than the 71% average estimate based on three analysts [4] - Total NonPerforming Assets were reported at $27.69 million, lower than the $32.55 million average estimate based on two analysts [4] - Average Interest-Earning Assets reached $16.35 billion, slightly above the two-analyst average estimate of $16.30 billion [4] - Total NonPerforming Loans were also at $27.69 million, compared to the two-analyst average estimate of $32.55 million [4] - Total Noninterest Income was $21.47 million, exceeding the $19.59 million average estimate based on three analysts [4] - Net interest income before provision for loan losses was $123.37 million, above the three-analyst average estimate of $122.63 million [4] Stock Performance - Shares of Pacific Premier Bancorp have returned -9.9% over the past month, compared to the Zacks S&P 500 composite's -6.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]