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PFLC Stock Chart & Stats
$18.37
$0.46(2.59%)
At close: 4:00 PM EDT
$18.37
$0.46(2.59%)
Day’s Range― - ―
52-Week Range$11.06 - $19.25
Previous CloseN/A
Volume7.40K
Average Volume (3M)12.31K
Market Cap
$189.86M
Enterprise Value$171.04
Total Cash (Recent Filing)$429.13M
Total Debt (Recent Filing)$13.40M
Price to Earnings (P/E)14.7
Beta0.21
Next Earnings
Oct 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.21%
Share Statistics
EPS (TTM)1.23
Shares Outstanding10,329,557
10 Day Avg. Volume11,245
30 Day Avg. Volume12,315
Financial Highlights & Ratios
PEG Ratio0.42
Price to Book (P/B)1.00
Price to Sales (P/S)1.93
P/FCF Ratio11.18
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Sustained High Profitability And MarginsConsistently strong net margins and healthy operating profitability indicate durable earnings power that can absorb cyclical loan losses or higher funding costs. This margin resilience supports internal capital generation and sustained return on equity even when revenue growth is uneven.
Conservative Leverage And Growing EquityLow debt-to-equity and rising equity provide financial flexibility and lower funding risk, improving the bank's capacity to lend, meet regulatory capital needs, and withstand credit stress. A conservatively levered balance sheet reduces refinancing risk and supports strategic investments.
Positive Cash Generation Recovering In 2025Renewed improvement in operating and free cash flow in 2025 shows the franchise can generate internal funds to support lending and operating needs. Reliable cash conversion, when sustained, underpins dividends, capital expenses, and loss-absorption without excessive external funding.
Bears Say
Inconsistent Revenue GrowthChoppy topline trends create uncertainty about sustainable growth drivers. For a regional bank, uneven loan volumes or yield swings make forward revenue visibility weak, complicating capacity planning and potentially compressing long-term earnings if rebounds prove temporary.
Volatile Cash Flow And Limited VisibilityHistoric swings in operating and free cash flow and missing 2025 cash-flow ratios reduce confidence in cash conversion quality. This volatility raises execution risk for dividend sustainability, loan growth funding, and provisioning, requiring closer monitoring of near-term liquidity.
Significant Asset-base ShiftsMaterial swings in total assets suggest shifts in loan or investment mix that can alter net interest margin and credit risk profiles. Such balance-sheet reconfigurations can disrupt steady earnings generation and require time to reestablish a stable, predictable revenue base.
PFLC FAQ
What was Pacific Financial Corporation’s price range in the past 12 months?
Pacific Financial Corporation lowest stock price was $11.06 and its highest was $19.25 in the past 12 months.
What is Pacific Financial Corporation’s market cap?
Pacific Financial Corporation’s market cap is $189.86M.
When is Pacific Financial Corporation’s upcoming earnings report date?
Pacific Financial Corporation’s upcoming earnings report date is Oct 22, 2026 which is in 41 days.
How were Pacific Financial Corporation’s earnings last quarter?
Pacific Financial Corporation released its earnings results on Jul 24, 2026. The company reported $0.288 earnings per share for the quarter.
Is Pacific Financial Corporation overvalued?
According to Wall Street analysts Pacific Financial Corporation’s price is currently Overvalued.
Does Pacific Financial Corporation pay dividends?
Pacific Financial Corporation pays a Quarterly dividend of $0.15 which represents an annual dividend yield of 3.21%. 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 $0.288 in its last earnings report. Following the earnings report the stock price went up 0.507%.
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
1
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5
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7
8
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
67.13%
12-Months-Change
Fundamentals
Return on Equity
3.21%
Trailing 12-Months
Asset Growth
4.04%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Pacific Financial Corporation
Pacific Financial Corporation (PFLC) serves as the parent entity for Bank of the Pacific, delivering a diverse range of financial products and services throughout Washington and Oregon. For individual clients, the bank provides essential checking and savings accounts, alongside various wealth-building options such as certificates of deposit (CDs) and individual retirement accounts (IRAs). Its lending solutions encompass residential mortgages, vehicle and recreational loans, credit cards, and home equity lines of credit (HELOCs). Businesses are offered a comprehensive suite of financial instruments, including general commercial and real estate loans, government-backed Small Business Administration (SBA) loans, and specialized financing for inventory, equipment, and operational capital. Corporate clients also benefit from Visa business cards, advanced cash/treasury management, merchant services, and convenient online and mobile banking platforms. The company's operational network comprises sixteen full-service branches: fourteen dispersed across Grays Harbor, Pacific, Whatcom, Clark, Skagit, and Wahkiakum counties in Washington, and two located in Clatsop County, Oregon. Additionally, PFLC maintains three loan production offices, situated in Burlington, Washington, and in Salem and Eugene, Oregon. Established in 1971, Pacific Financial Corporation's main office is located in Aberdeen, Washington.
Technical Analysis
Ownership Overview
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Insiders
0.08% Mutual Funds
0.29% Other Institutional Investors
99.63% Public Companies and
Individual Investors