Pacific Premier Bancorp (PPBI) Financials

$19.02 -0.07 (-0.37%)

As of 04:00 PM Eastern

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
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

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
Net Income / (Loss) Attributable to Common Shareholders	73	74	63	58	46	-135	47	42	36	34
Consolidated Net Income / (Loss)	73	74	63	58	46	-135	47	42	36	34
Net Income / (Loss) Continuing Operations	73	74	63	58	46	-135	47	42	36	34
Total Pre-Tax Income	99	100	85	78	62	-192	64	56	48	45
Total Revenue	201	202	190	181	168	-87	171	155	150	145
Net Interest Income / (Expense)	181	181	169	160	150	147	145	136	131	125
Total Interest Income	199	218	221	225	224	217	213	208	206	195
Loans and Leases Interest Income	174	184	181	183	177	177	173	168	163	151
Investment Securities Interest Income	25	33	40	43	47	40	40	41	42	44
Total Interest Expense	18	36	53	65	75	70	68	72	75	71
Deposits Interest Expense	9.87	26	40	54	63	61	60	64	68	66
Long-Term Debt Interest Expense	8.04	11	12	12	12	9.49	8.80	7.43	6.83	4.57
Total Non-Interest Income	20	20	21	21	19	-234	26	18	19	20
Other Service Charges	1.42	32	18	2.52	15	30	22	14	14	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
Other Non-Interest Income	19	-12	3.37	18	3.58	-11	4.16	4.22	4.34	4.38
Provision for Credit Losses	1.08	2.84	3.02	1.50	3.92	1.70	3.85	1.27	0.49	-0.81
Total Non-Interest Expense	101	99	101	101	102	103	103	98	102	101
Salaries and Employee Benefits	56	54	54	53	54	52	54	53	53	50
Net Occupancy & Equipment Expense	19	19	19	19	19	19	18	18	19	18
Marketing Expense	1.91	1.99	1.84	1.88	1.64	1.73	1.56	1.72	0.86	0.93
Property & Liability Insurance Claims	1.46	1.46	2.43	2.36	2.32	4.27	2.63	1.87	1.92	1.95
Other Operating Expenses	19	19	21	21	22	23	23	20	24	27
Amortization Expense	3.47	3.44	3.17	3.06	3.06	3.02	2.84	2.76	2.76	2.73
Income Tax Expense	26	26	23	21	16	-56	17	14	12	11
Basic Earnings per Share	$0.77	$0.77	$0.66	$0.60	$0.48	($1.43)	$0.49	$0.43	$0.37	$0.36
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
Diluted Earnings per Share	$0.77	$0.78	$0.66	$0.60	$0.48	($1.43)	$0.49	$0.43	$0.37	$0.36
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
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

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
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

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
Net Change in Cash & Equivalents	-234	362	324	39	-63	-464	92	-129	82	-373
Net Cash From Operating Activities	123	78	75	101	92	-18	57	67	62	41
Net Cash From Continuing Operating Activities	123	78	75	101	92	-18	57	67	62	41
Net Income / (Loss) Continuing Operations	73	74	63	58	46	-135	47	42	36	34
Consolidated Net Income / (Loss)	73	74	63	58	46	-135	47	42	36	34
Provision For Loan Losses	1.08	2.84	3.02	1.50	3.92	1.70	3.85	1.27	0.49	-0.81
Depreciation Expense	3.68	3.59	3.55	3.56	3.51	3.23	3.09	3.01	2.95	2.70
Amortization Expense	1.17	2.95	2.40	2.75	3.81	0.88	-3.96	-3.25	-3.58	-2.47
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
Changes in Operating Assets and Liabilities, net	41	-7.75	-3.09	37	34	-147	9.37	21	25	4.97
Net Cash From Investing Activities	13	309	630	637	409	796	274	397	458	-365
Net Cash From Continuing Investing Activities	13	309	630	637	409	796	274	397	458	-365
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
Purchase of Investment Securities	-413	-13	-240	-16	-20	-543	-170	-395	-165	-1,227
Sale and/or Maturity of Investments	300	89	367	172	88	1,364	207	296	158	354
Other Investing Activities, net	127	236	506	483	342	-24	238	496	466	510
Net Cash From Financing Activities	-370	-25	-382	-699	-564	-1,242	-239	-592	-438	-49
Net Cash From Continuing Financing Activities	-370	-25	-382	-699	-564	-1,242	-239	-592	-438	-49
Net Change in Deposits	-338	-394	-145	-668	-532	-1,012	192	-560	-147	-17
Payment of Dividends	-31	-31	-31	-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
Cash Interest Paid	12	31	44	61	72	82	73	68	79	73
Cash Income Taxes Paid	16	27	-0.80	1.87	0.54	52	-3.66	0.19	-13	3.91

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
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

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

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
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%

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
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	1.06%	1.97%	1.10%	-7.35%	-16.48%	-143.29%	-9.96%	-14.40%	-10.91%	265.33%
EBITDA Growth	-17.41%	-12.27%	-3.43%	-14.50%	-33.48%	-276.45%	-30.47%	-34.50%	-32.18%	123.90%
EBIT Growth	-19.15%	-13.45%	-4.70%	-17.83%	-37.59%	-292.12%	-24.60%	-28.93%	-23.17%	123.26%
NOPAT Growth	-18.57%	-13.15%	-6.49%	-17.43%	-37.26%	-282.31%	-24.83%	-27.29%	-21.84%	125.24%
Net Income Growth	-18.57%	-13.15%	-6.49%	-17.43%	-37.26%	-283.75%	-24.83%	-27.29%	-21.84%	125.04%
EPS Growth	-18.95%	-13.33%	-5.71%	-17.81%	-37.66%	-283.33%	-25.76%	-28.33%	-22.92%	125.17%
Operating Cash Flow Growth	42.40%	22.49%	-43.21%	29.79%	-25.03%	-122.50%	-24.24%	-34.27%	-32.22%	331.63%
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%
Invested Capital Growth	10.48%	9.40%	6.70%	7.99%	8.75%	-7.63%	-13.32%	-13.18%	-19.34%	-15.37%
Revenue Q/Q Growth	3.24%	0.31%	-5.99%	-4.83%	-6.94%	-152.00%	295.53%	-9.53%	-3.14%	-3.51%
EBITDA Q/Q Growth	5.06%	2.13%	-14.13%	-7.20%	-18.26%	-370.91%	133.84%	-12.58%	-15.38%	-4.54%
EBIT Q/Q Growth	4.00%	0.54%	-14.46%	-8.12%	-21.01%	-409.49%	133.57%	-13.40%	-14.61%	-6.30%
NOPAT Q/Q Growth	5.10%	0.42%	-15.08%	-7.87%	-20.14%	-391.79%	135.01%	-10.89%	-14.14%	-5.80%
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%
EPS Q/Q Growth	5.48%	1.30%	-15.38%	-9.09%	-20.00%	-397.92%	134.27%	-12.24%	-13.95%	-2.70%
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%
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%
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%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	51.76%	52.71%	48.15%	46.94%	41.23%	0.00%	37.18%	35.92%	31.39%	31.05%
EBIT Margin	49.35%	49.47%	45.01%	43.45%	36.88%	0.00%	37.69%	36.08%	31.81%	30.89%
Profit (Net Income) Margin	36.45%	36.49%	32.96%	31.91%	27.38%	0.00%	27.52%	27.10%	24.02%	23.45%
Tax Burden Percent	73.86%	73.77%	73.23%	73.43%	74.25%	70.56%	73.00%	75.12%	75.53%	75.93%
Interest Burden Percent	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%
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%
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%
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%
Return on Equity (ROE)	10.23%	10.09%	9.25%	8.81%	7.25%	0.00%	4.15%	3.81%	3.21%	4.98%
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%
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%
Return on Assets (ROA)	1.34%	1.34%	1.21%	1.16%	0.97%	0.00%	0.59%	0.56%	0.49%	0.79%
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%
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%
Net Operating Profit after Tax (NOPAT)	73	74	63	58	46	-134	47	42	36	34
NOPAT Margin	36.45%	36.49%	32.96%	31.91%	27.38%	0.00%	27.52%	27.10%	24.02%	23.45%
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%
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%
Operating Expenses to Revenue	50.11%	49.13%	53.40%	55.72%	60.79%	0.00%	60.05%	63.10%	67.87%	69.68%
Earnings before Interest and Taxes (EBIT)	99	100	85	78	62	-192	64	56	48	45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	104	106	91	85	69	-188	64	56	47	45
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
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
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
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
Dividend Yield	4.76%	4.74%	6.01%	6.86%	6.43%	4.85%	5.66%	5.82%	5.25%	5.37%
Earnings Yield	11.19%	10.73%	13.39%	14.49%	12.19%	1.18%	0.68%	0.00%	0.00%	6.69%
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
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
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
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
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
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
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
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
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
Financial Leverage	0.25	0.39	0.37	0.37	0.37	0.40	0.29	0.29	0.24	0.21
Leverage Ratio	7.65	7.53	7.66	7.63	7.49	7.17	7.01	6.77	6.58	6.33
Compound Leverage Factor	7.65	7.53	7.66	7.63	7.49	7.17	7.01	6.77	6.58	6.33
Debt to Total Capital	25.39%	32.24%	28.55%	28.43%	28.38%	24.43%	15.49%	15.40%	8.47%	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%
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%
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%
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%
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%
Debt to EBITDA	2.22	3.29	2.82	2.93	3.22	16.14	17.81	848.74	-12.56	1.29
Net Debt to EBITDA	0.45	0.56	-0.74	-0.86	-0.77	-0.10	-16.66	-587.96	32.81	-1.60
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
Debt to NOPAT	3.16	4.69	4.05	4.23	4.72	30.20	34.74	-78.58	-16.18	1.72
Net Debt to NOPAT	0.64	0.80	-1.06	-1.25	-1.12	-0.18	-32.50	54.43	42.27	-2.13
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
Noncontrolling Interest Sharing Ratio	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
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%
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
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
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
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.02	0.02	0.02	0.02	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
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
Invested Capital Turnover	0.22	0.20	0.21	0.20	0.19	0.11	0.12	0.11	0.11	0.18
Increase / (Decrease) in Invested Capital	348	355	249	295	321	-315	-528	-525	-771	-586
Enterprise Value (EV)	2,826	2,873	1,791	1,510	1,698	2,603	1,740	1,817	1,715	2,035
Market Capitalization	2,636	2,645	2,086	1,844	1,968	2,609	2,238	2,185	2,426	2,373
Book Value per Share	$28.81	$29.45	$29.79	$29.74	$29.78	$30.06	$30.77	$30.32	$30.53	$30.65
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
Total Capital	3,666	4,130	3,963	3,981	3,987	3,814	3,435	3,456	3,216	3,228
Total Debt	931	1,331	1,131	1,132	1,132	932	532	532	272	272
Total Long-Term Debt	931	1,331	1,131	1,132	1,132	932	532	532	272	272
Net Debt	190	228	-295	-334	-270	-5.63	-498	-369	-711	-338
Capital Expenditures (CapEx)	0.92	2.52	2.46	1.67	1.47	1.00	1.20	0.36	0.62	1.48
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	1.07	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
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
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
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
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
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
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
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
Normalized Net Operating Profit after Tax (NOPAT)	73	74	63	58	46	-134	47	42	36	34
Normalized NOPAT Margin	36.45%	36.49%	32.96%	31.91%	27.38%	0.00%	27.52%	27.10%	24.02%	23.45%
Pre Tax Income Margin	49.35%	49.47%	45.01%	43.45%	36.88%	0.00%	37.69%	36.08%	31.81%	30.89%
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
NOPAT to Interest Expense	4.10	2.02	1.19	0.88	0.62	-1.91	0.69	0.58	0.48	0.48
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
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
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%
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%

Frequently Asked Questions About Pacific Premier Bancorp's Financials

When does Pacific Premier Bancorp's financial year end?

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

How has Pacific Premier Bancorp 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%.

Remove Ads

Related Companies

This page (NASDAQ:PPBI) was last updated on 4/16/2025 by MarketBeat.com Staff

From Our Partners

Get 30 Days of MarketBeat All Access for Free

Start Your 30-Day Trial

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Pacific Premier Bancorp (PPBI) Financials

Frequently Asked Questions About Pacific Premier Bancorp's Financials

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

Pacific Premier Bancorp (PPBI) Financials

Annual Income Statements for Pacific Premier Bancorp

Quarterly Income Statements for Pacific Premier Bancorp

Annual Cash Flow Statements for Pacific Premier Bancorp

Quarterly Cash Flow Statements for Pacific Premier Bancorp

Annual Balance Sheets for Pacific Premier Bancorp

Quarterly Balance Sheets for Pacific Premier Bancorp

Annual Metrics and Ratios for Pacific Premier Bancorp

Quarterly Metrics and Ratios for Pacific Premier Bancorp

Frequently Asked Questions About Pacific Premier Bancorp's Financials

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools