Pacific Financial Corporation (PFLC)

OTHER OTC:PFLC

PFLC

Pacific Financial

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Pacific Financial (PFLC) Price & Analysis

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PFLC Stock Chart & Stats

$12.87

$0.03(0.24%)

At close: Jan 07 4:00 PM EST

$12.87

$0.03(0.24%)

Day’s Range― - ―

52-Week Range$9.70 - $13.50

Previous CloseN/A

Volume11.40K

Average Volume (3M)1.84K

Market Cap

$133.25M

Enterprise Value$27.86M

Total Cash (Recent Filing)$376.67M

Total Debt (Recent Filing)$13.40M

Price to Earnings (P/E)10.1

Beta0.23

Next Earnings

Apr 24, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield4.37%

Share Statistics

EPS (TTM)0.31

Shares Outstanding10,329,557

10 Day Avg. Volume1,139

30 Day Avg. Volume1,839

Financial Highlights & Ratios

PEG Ratio0.41

Price to Book (P/B)1.00

Price to Sales (P/S)1.93

P/FCF Ratio11.18

Enterprise Value/Market Cap0.21

Enterprise Value/Revenue0.46

Enterprise Value/Gross Profit0.55

Enterprise Value/Ebitda2.25

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Durable ProfitabilityConsistently strong net and operating margins indicate durable core earnings power that can withstand interest-rate and credit-cycle variability. Sustained margins support retained earnings, capital build, dividend capacity and capacity to fund loan loss provisions without immediate external funding.

Conservative Balance SheetLow leverage and a growing equity base provide a material capital cushion against credit shocks and funding stress. Conservative gearing increases regulatory and market resilience, enabling the bank to support lending or absorb losses while maintaining operating flexibility over the medium term.

Relationship-driven Regional BankingA focused regional franchise supported by core deposit products and relationship lending fosters stable, low-cost funding and local underwriting expertise. This business model typically yields sticky deposits and repeat commercial/residential lending opportunities, supporting steady net interest income.

Bears Say

Inconsistent Revenue GrowthChoppy topline trends make medium-term earnings visibility weak and complicate strategic planning. Reliance on cyclical loan origination and interest-income drivers means uneven revenue can pressure expense coverage, capital allocation and the ability to smooth dividends during downturns.

Volatile Cash FlowIrregular operating and free cash flow reduces internal funding for lending, capital needs and shareholder distributions. A sharp FCF decline increases reliance on deposit retention or wholesale funding, heightening refinancing and liquidity risk if adverse conditions persist over the next several quarters.

Balance-sheet Mix ShiftsMaterial swings in total assets suggest portfolio repricing, runoff or concentration changes that can alter net interest income and credit exposure. Such mix volatility raises execution risk: margin compression or higher provisions could emerge if asset composition shifts toward riskier or lower-yielding segments.

PFLC FAQ

What was Pacific Financial Corporation’s price range in the past 12 months?

Pacific Financial Corporation lowest stock price was $9.70 and its highest was $13.50 in the past 12 months.

What is Pacific Financial Corporation’s market cap?

Pacific Financial Corporation’s market cap is $133.25M.

When is Pacific Financial Corporation’s upcoming earnings report date?

Pacific Financial Corporation’s upcoming earnings report date is Apr 24, 2026 which is in 9 days.

How were Pacific Financial Corporation’s earnings last quarter?

Pacific Financial Corporation released its earnings results on Jan 30, 2026. The company reported $0.311 earnings per share for the quarter, beating the consensus estimate of N/A by $0.311.

Is Pacific Financial Corporation overvalued?

According to Wall Street analysts Pacific Financial Corporation’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Pacific Financial Corporation pay dividends?

Pacific Financial Corporation pays a Quarterly dividend of $0.14 which represents an annual dividend yield of 4.37%. See more information on Pacific Financial Corporation dividends here

What is Pacific Financial Corporation’s EPS estimate?

Pacific Financial Corporation’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Pacific Financial Corporation have?

Pacific Financial Corporation has 10,329,557 shares outstanding.

What happened to Pacific Financial Corporation’s price movement after its last earnings report?

Pacific Financial Corporation reported an EPS of $0.311 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.724%.

Which hedge fund is a major shareholder of Pacific Financial Corporation?

Currently, no hedge funds are holding shares in PFLC

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Pacific Financial Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

9.59%

Trailing 12-Months

Asset Growth

10.24%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Pacific Financial Corporation

Pacific Financial Corporation operates as the bank holding company for Bank of the Pacific that provides various banking products and services in Washington and Oregon. The company offers personal and business checking, and savings accounts; certificates of deposit, individual retirement accounts, and other investment options; home loans; and auto and recreation loans, credit cards, and home equity line of credit. It also provides business and commercial loans, commercial real estate loans, and SBA guaranteed loans, as well as inventory, equipment, and working capital loans; Visa business cards; and cash/treasury management, merchant, and online and mobile banking services. The company operates fourteen branches in the communities of Grays Harbor, Pacific, Whatcom, Clark, Skagit, and Wahkiakum counties in the state of Washington; and two branches in Clatsop County, Oregon. It also operates three loan production offices in the communities of Burlington, Washington and Salem and Eugene, Oregon. The company was founded in 1971 and is headquartered in Aberdeen, Washington.