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

Core Insights - Pacific Premier Bancorp (PPBI) reported a revenue of $144.32 million for the quarter ended June 2025, reflecting a year-over-year decline of 6.7% and a surprise of -0.88% compared to the Zacks Consensus Estimate of $145.6 million [1] - The earnings per share (EPS) for the same period was $0.39, down from $0.43 a year ago, but exceeded the consensus EPS estimate of $0.34 by 14.71% [1] Financial Performance Metrics - The efficiency ratio was reported at 65.3%, better than the average estimate of 68% by two analysts [4] - The net interest margin stood at 3.1%, matching the average estimate of 3.1% [4] - Total noninterest income was $17.57 million, below the estimated $20.45 million by two analysts [4] - Net interest income before provision for loan losses was $126.76 million, slightly above the estimated $125.6 million [4] Stock Performance - Shares of Pacific Premier Bancorp have returned +6% over the past month, outperforming the Zacks S&P 500 composite's +5.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]