Pacific Financial Corporation (PFLC)
OTHER OTC:PFLC
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Pacific Financial
(OTC:PFLC)
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Rating:75Outperform
Price Target:
$19.00
▲(47.63% Upside)
Action:Reiterated
Date:05/02/26
The score is driven primarily by solid financial performance (strong profitability and conservative leverage), supported by attractive valuation (low P/E and a ~3.34% yield). Technicals are constructive due to the strong uptrend, but elevated RSI/Stoch indicate momentum is stretched, tempering the overall score.
Positive Factors
Conservative Balance Sheet
Low debt-to-equity and growing equity through 2025 provide durable financial flexibility for a regional bank. Conservative leverage reduces solvency and funding stress risk, supports continued lending capacity and potential capital returns while navigating rate cycles.
Negative Factors
Inconsistent Revenue Trend
Patchy top-line performance undermines forecasting and strategic planning for a lender dependent on net interest income. Persistent inconsistency increases earnings volatility, complicates capital allocation and could constrain investments if the firm cannot sustain growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Low debt-to-equity and growing equity through 2025 provide durable financial flexibility for a regional bank. Conservative leverage reduces solvency and funding stress risk, supports continued lending capacity and potential capital returns while navigating rate cycles.
Read all positive factors
Pacific Financial (PFLC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$174.05M
Dividend Yield4.37%
Average Volume (3M)1.84K
Price to Earnings (P/E)13.8
Beta (1Y)0.24
Revenue Growth6.61%
EPS Growth35.20%
CountryUS
Employees234
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.97
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 Cap0.32
Enterprise Value/Revenue0.91
Enterprise Value/Gross Profit1.08
Enterprise Value/Ebitda4.43
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
Pacific Financial Business Overview & Revenue Model
Company Description
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; certi...
How the Company Makes Money
PFLC makes money primarily through its bank subsidiary by earning net interest income and generating noninterest income.
1) Net interest income (core earnings driver): The bank collects interest and fees on loans and other interest-earning assets...
Pacific Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.07M | 65.23M | 50.92M | 61.65M | 49.38M | 53.89M |
| Gross Profit | 51.06M | 53.05M | 50.92M | 54.85M | 48.17M | 56.28M |
| EBITDA | 12.40M | 14.52M | 11.74M | 19.33M | 16.56M | 18.64M |
| Net Income | 9.80M | 11.64M | 9.53M | 14.61M | 10.89M | 12.70M |
Balance Sheet | ||||||
| Total Assets | 1.22B | 1.28B | 1.15B | 1.15B | 1.31B | 1.32B |
| Cash, Cash Equivalents and Short-Term Investments | 376.67M | 114.81M | 18.14M | 346.20M | 545.27M | 571.68M |
| Total Debt | 13.40M | 13.40M | 17.44M | 15.97M | 14.55M | 15.29M |
| Total Liabilities | 1.10B | 1.15B | 1.04B | 1.03B | 1.20B | 1.20B |
| Stockholders Equity | 118.94M | 126.39M | 113.86M | 114.69M | 103.16M | 117.64M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 11.27M | 5.26M | 14.47M | 24.20M | 38.05M |
| Operating Cash Flow | 0.00 | 12.33M | 6.73M | 15.82M | 25.37M | 38.65M |
| Investing Cash Flow | 0.00 | -79.05M | -30.62M | -46.67M | -93.14M | -22.15M |
| Financing Cash Flow | 0.00 | 101.38M | -3.78M | -177.03M | -4.36M | 144.24M |
Pacific Financial Technical Analysis
Positive
12.87
Price Trends
14.73
Positive
13.77
Positive
12.65
Positive
Market Momentum
0.50
Positive
67.92
Neutral
54.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFLC, the sentiment is Positive. The current price of 12.87 is below the 20-day moving average (MA) of 16.58, below the 50-day MA of 14.73, and above the 200-day MA of 12.65, indicating a bullish trend. The MACD of 0.50 indicates Positive momentum. The RSI at 67.92 is Neutral, neither overbought nor oversold. The STOCH value of 54.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PFLC.
Pacific Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $174.05M | 13.79 | 9.59% | 4.37% | 6.61% | 35.20% | |
74 Outperform | $139.43M | 8.59 | 11.60% | 2.69% | 12.40% | 50.07% | |
70 Outperform | $137.14M | 15.61 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $108.62M | 14.33 | 6.99% | 1.75% | 0.38% | 50.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $137.40M | 29.88 | 2.44% | 0.88% | 15.21% | 2015.08% | |
54 Neutral | $114.79M | 54.49 | 1.50% | ― | 23.30% | ― |
* Financial Sector Average
PFLC
Pacific Financial
16.85
6.40
61.18%
SBFG
SB Financial Group
22.22
4.65
26.46%
AFBI
Affinity Bancshares
22.50
4.30
23.63%
SFBC
Sound Financial Bancorp
42.33
-6.42
-13.17%
BSBK
Bogota Financial
8.93
1.72
23.86%
SRBK
SR Bancorp, Inc.
18.72
5.71
43.93%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.