Want to see PFLC full AI Analyst Report?
PFLC Stock Chart & Stats
$17.79
$0.46(2.59%)
At close: 4:00 PM EDT
$17.79
$0.46(2.59%)
Day’s Range― - ―
52-Week Range$10.76 - $18.57
Previous CloseN/A
Volume7.40K
Average Volume (3M)1.84K
Market Cap
$183.76M
Enterprise Value$171.04
Total Cash (Recent Filing)$429.13M
Total Debt (Recent Filing)$13.40M
Price to Earnings (P/E)14.5
Beta0.21
Next Earnings
Oct 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.26%
Share Statistics
EPS (TTM)1.23
Shares Outstanding10,329,557
10 Day Avg. Volume1,139
30 Day Avg. Volume1,839
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 ProfitabilityPFLC exhibits consistently strong net margins (high-teens to mid-20s) and maintained operating profitability into 2024–2025. That steady margin profile indicates durable earnings power, giving the bank scope to absorb credit losses, fund reinvestment, and support shareholder distributions over the medium term.
Conservative Leverage And Growing EquityLow debt-to-equity and rising equity through 2025 provide a meaningful capital buffer. Conservative leverage reduces solvency and regulatory risk, enhances capacity for loan growth, and improves resilience to credit cycles, enabling steadier strategic execution and capital allocation over the coming quarters.
Durable Community-bank Business ModelPFLC’s core banking model—net interest income from commercial and CRE loans plus fee income—restores a predictable revenue base tied to lending and deposits in local markets. That diversified income mix supports recurring earnings and scales with local commercial activity over a multi-quarter horizon.
Bears Say
Choppy Revenue GrowthTop-line volatility limits forward visibility and complicates planning. Repeated down years followed by rebounds suggest revenue is sensitive to local economic swings or loan demand cycles, making sustainable growth and reliable forecasting more difficult for capital allocation over the next several quarters.
Volatile Cash Flow And FCFIrregular operating and free cash flow, including a marked 2024 FCF decline, undermines the company’s ability to consistently fund dividends, buybacks, or balance-sheet growth from internally generated cash. This raises medium-term funding and reinvestment risk absent steadier cash conversion.
Shifting Balance-sheet MixMaterial swings in total assets suggest management has materially changed asset or funding composition. Such mix shifts can alter net interest income, concentration and liquidity risk, and the stability of earnings, creating execution and margin-pressure risk over the medium term.
PFLC FAQ
What was Pacific Financial Corporation’s price range in the past 12 months?
Pacific Financial Corporation lowest stock price was $10.76 and its highest was $18.57 in the past 12 months.
What is Pacific Financial Corporation’s market cap?
Pacific Financial Corporation’s market cap is $183.76M.
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 87 days.
How were Pacific Financial Corporation’s earnings last quarter?
Pacific Financial Corporation released its earnings results on Jul 24, 2026. The company reported $0.29 earnings per share for the quarter, beating the consensus estimate of N/A by $0.29.
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 3.26%. 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 $0.29 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.508%.
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
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.11%
12-Months-Change
Fundamentals
Return on Equity
3.26%
Trailing 12-Months
Asset Growth
5.88%
Trailing 12-Months
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
SB Financial Group
―
Affinity Bancshares
―
Sound Financial Bancorp
―
Bogota Financial
―
SR Bancorp, Inc.
―
Ownership Overview
―
Insiders
0.08% Mutual Funds
0.29% Other Institutional Investors
99.63% Public Companies and
Individual Investors