Pacific Premier Bancorp (PPBI) reported $144.83 million in revenue for the quarter ended March 2025, representing a year-over-year decline of 15.3%. EPS of $0.37 for the same period compares to $0.49 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $142.23 million, representing a surprise of +1.83%. The company delivered an EPS surprise of +23.33%, with the consensus EPS estimate being $0.30.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Pacific Premier Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net interest margin: 3.1% versus the three-analyst average estimate of 3%.
• Efficiency Ratio: 67.5% compared to the 71% average estimate based on three analysts.
• Total NonPerforming Assets: $27.69 million compared to the $32.55 million average estimate based on two analysts.
• Average Interest-Earning Assets: $16.35 billion versus the two-analyst average estimate of $16.30 billion.
• Total NonPerforming Loan: $27.69 million versus the two-analyst average estimate of $32.55 million.
• Total Noninterest Income: $21.47 million compared to the $19.59 million average estimate based on three analysts.
• Net interest income before provision for loan losses: $123.37 million versus the three-analyst average estimate of $122.63 million.

View all Key Company Metrics for Pacific Premier Bancorp here>>>

Shares of Pacific Premier Bancorp have returned -9.9% over the past month versus the Zacks S&P 500 composite's -6.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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