Pacific Premier [PPBI] vs U.S. Bancorp [USB] Detailed Stock Comparison

Pacific Premier Bancorp Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Pacific Premier Bancorp Inc. wins in 4 metrics, U.S. Bancorp wins in 15 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Pacific Premier Bancorp Inc. U.S. Bancorp Better
P/E Ratio (TTM) 17.13 11.92 U.S. Bancorp
Price-to-Book Ratio 0.80 1.51 Pacific Premier Bancorp Inc.
Debt-to-Equity Ratio 0.06 1.21 Pacific Premier Bancorp Inc.
PEG Ratio -0.74 0.82 U.S. Bancorp
Profit Margin (TTM) 23.61% 29.29% U.S. Bancorp
Operating Margin (TTM) 36.33% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 36.33% 37.84% U.S. Bancorp
Return on Equity 4.68% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.76% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $222.80M $7.97B U.S. Bancorp
Dividend Yield 7.31% 3.82% Pacific Premier Bancorp Inc.
1-Year Return 2.64% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 4.07 3.32 U.S. Bancorp
Enterprise Value $1.76B $126.46B U.S. Bancorp
EV/Revenue Ratio 3.01 4.75 Pacific Premier Bancorp Inc.
Revenue per Share (TTM) $6 $17 U.S. Bancorp
Earnings per Share (Diluted) $1.43 $4.77 U.S. Bancorp
Beta (Stock Volatility) 1.16 1.03 U.S. Bancorp
Short % of Float 2.37% 0.00% U.S. Bancorp

Pacific Premier Bancorp Inc. vs U.S. Bancorp Stock Performance Analysis

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PPBI
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pacific Premier Bancorp Inc.0.00%-0.57%12.70%15.79%28.62%28.62%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pacific Premier Bancorp Inc.2.64%-25.27%13.85%22.02%520.00%87.66%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: Pacific Premier Bancorp Inc. vs U.S. Bancorp

MetricPPBIUSB
Market Information
Market Cap i$2.38B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i2,865,1389,829,002
90 Day Avg. Volume i1,611,08610,401,007
Last Close$24.49$53.14
52 Week Range$18.06 - $30.28$42.55 - $61.19
% from 52W High-19.12%-13.16%
All-Time High$130.62 (Apr 13, 1998)$63.57 (Jan 10, 2022)
% from All-Time High-81.25%-16.41%
Growth Metrics
Quarterly Revenue Growth-0.05%0.05%
Quarterly Earnings Growth-0.24%0.14%
Financial Health
Profit Margin (TTM) i0.24%0.29%
Operating Margin (TTM) i0.36%0.38%
Return on Equity (TTM) i0.05%0.12%
Debt to Equity (MRQ) i0.061.21
Cash & Liquidity
Book Value per Share (MRQ)$30.67$37.54
Cash per Share (MRQ)$8.32$31.14
Operating Cash Flow (TTM) i$180.83M$6.04B
Levered Free Cash Flow (TTM) i$155.94M$7.19B
Dividends
Last 12-Month Dividend Yield i7.31%3.82%
Last 12-Month Dividend i$1.65$2.04

Valuation & Enterprise Metrics Analysis: Pacific Premier Bancorp Inc. vs U.S. Bancorp

MetricPPBI (Sep 14, 2025)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i17.1311.92
Forward P/E i18.5510.09
PEG Ratio i-0.740.82
Price to Sales (TTM) i4.073.32
Price to Book (MRQ) i0.801.51
Market Capitalization
Market Capitalization i$2.38B$88.06B
Enterprise Value i$1.76B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i3.014.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.161.03
Book Value per Share (MRQ) i$30.67$37.54

Financial Statements Comparison: Pacific Premier Bancorp Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPPBI (2024)USB (2025)
Revenue/Sales i567.77M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i212.47M9.52B
Pre-Tax Income % of Revenue i37.4%33.3%
Income Tax i53.67M1.92B
Income Tax % of Revenue i9.5%6.7%
Net Income (Profit) i158.80M7.60B
Profit Margin i28.0%26.6%

Balance Sheet & Liquidity Metrics

MetricPPBI (2024)USB (2025)
Cash & Equivalents i610.58M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i272.45M60.76B
Long-Term Debt % of Revenue i48.0%212.9%
Total Shareholders Equity i2.96B65.65B
Retained Earnings i635.27M80.91B
Retained Earnings % of Revenue i111.9%283.5%
Property, Plant & Equipment i143,0001.51B

Cash Flow Statement Comparison

MetricPPBI (2024)USB (2025)
Operating Cash Flow i281.28M6.04B
Operating Cash Flow % of Revenue i49.5%21.2%
Capital Expenditures i-3.66MN/A
Free Cash Flow i222.80M7.97B
FCF Margin i39.2%27.9%
Debt Repayment i-654.73M-9.05B
Common Stock Repurchase i-4.98M-489.00M

Short Interest & Institutional Ownership Analysis

MetricPPBIUSB
Shares Short i1.65M27,002
Short Ratio i1.520.00
Short % of Float i2.37%0.00%
Shares Outstanding i96.44M1.56B
Float Shares i94.48M1.55B
% Held by Insiders i2.08%0.14%
% Held by Institutions i95.43%83.55%
% Held by Public i2.49%16.31%

Dividend Analysis & Yield Comparison: Pacific Premier Bancorp Inc. vs U.S. Bancorp

MetricPPBIUSB
Last 12-Month Dividend i$1.65$2.04
Last 12-Month Dividend Yield i7.31%3.82%
3-Year Avg Annual Dividend i$1.43$1.98
3-Year Avg Dividend Yield i1.32%1.19%
3-Year Total Dividends i$4.29$5.95
Ex-Dividend DateAug 05, 2025Dec 31, 2025