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Pacific Financial
(OTC:PFLC)
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Rating:75Outperform
Price Target:
$20.50
▲(15.23% Upside)
Action:Reiterated
Date:08/07/26
PFLC’s score is primarily driven by solid financial quality (strong profitability and conservative leverage), tempered by uneven revenue growth and cash-flow volatility. Technicals add support with an established uptrend and positive momentum, while valuation is reasonable with a mid-teens P/E and a ~3.2% dividend yield.
Positive Factors
Sustained high profitability and margins
Consistently 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.
Negative Factors
Inconsistent revenue growth
Choppy 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained high profitability and margins
Consistently 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.
Read all positive factors
Pacific Financial (PFLC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$194.20M
Dividend Yield3.14%
Average Volume (3M)1.84K
Price to Earnings (P/E)15.0
Beta (1Y)0.20
Revenue Growth6.27%
EPS Growth29.01%
CountryUS
Employees234
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
Pacific Financial Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
PFLC makes money primarily through its banking subsidiary by earning interest income on loans and investment securities and paying interest on deposits and other funding sources; the difference between these (net interest income) is typically the ...
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 | 66.25M | 65.23M | 50.92M | 61.65M | 49.38M | 53.89M |
| Gross Profit | 54.28M | 53.05M | 50.92M | 54.85M | 48.17M | 56.28M |
| EBITDA | 15.36M | 14.52M | 11.74M | 19.33M | 16.56M | 18.64M |
| Net Income | 12.32M | 11.64M | 9.53M | 14.61M | 10.89M | 12.70M |
Balance Sheet | ||||||
| Total Assets | 1.29B | 1.28B | 1.15B | 1.15B | 1.31B | 1.32B |
| Cash, Cash Equivalents and Short-Term Investments | 429.13M | 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 | 1.16B | 1.15B | 1.04B | 1.03B | 1.20B | 1.20B |
| Stockholders Equity | 127.08M | 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
17.79
Price Trends
17.81
Positive
16.29
Positive
14.28
Positive
Market Momentum
0.37
Positive
58.06
Neutral
65.92
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 17.79 is below the 20-day moving average (MA) of 18.51, below the 50-day MA of 17.81, and above the 200-day MA of 14.28, indicating a bullish trend. The MACD of 0.37 indicates Positive momentum. The RSI at 58.06 is Neutral, neither overbought nor oversold. The STOCH value of 65.92 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $166.14M | 9.94 | 11.79% | 2.42% | 9.50% | 46.27% | |
75 Outperform | $194.20M | 15.01 | 9.97% | 3.26% | 6.27% | 29.01% | |
72 Outperform | $122.44M | 15.21 | 7.31% | 1.78% | -0.53% | 27.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $149.58M | 44.14 | 1.80% | 1.10% | 6.46% | 1.90% | |
58 Neutral | $118.04M | 44.90 | 1.47% | ― | 21.45% | ― |
* Financial Sector Average
PFLC
Pacific Financial
18.76
7.80
71.18%
SBFG
SB Financial Group
26.63
6.50
32.28%
SFBC
Sound Financial Bancorp
47.75
1.37
2.95%
BSBK
Bogota Financial
9.43
0.39
4.30%
SRBK
SR Bancorp, Inc.
19.79
5.51
38.60%
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.