Pacific Financial (PFLC) Stock Overview
Operates as the bank holding company for Bank of the Pacific that provides various banking products and services. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 1/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
PFLC Community Fair Values
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Pacific Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$10.90 |
| 52 Week High | US$13.00 |
| 52 Week Low | US$9.65 |
| Beta | 0.42 |
| 1 Month Change | 3.32% |
| 3 Month Change | -6.72% |
| 1 Year Change | 12.95% |
| 3 Year Change | 4.81% |
| 5 Year Change | 39.56% |
| Change since IPO | -4.08% |
Recent News & Updates
Recent updates
Shareholder Returns
| PFLC | US Banks | US Market | |
|---|---|---|---|
| 7D | 1.4% | 0.5% | 1.4% |
| 1Y | 13.0% | 21.8% | 11.6% |
Return vs Industry: PFLC underperformed the US Banks industry which returned 22.9% over the past year.
Return vs Market: PFLC matched the US Market which returned 12.6% over the past year.
Price Volatility
| PFLC volatility | |
|---|---|
| PFLC Average Weekly Movement | 3.3% |
| Banks Industry Average Movement | 4.6% |
| Market Average Movement | 7.9% |
| 10% most volatile stocks in US Market | 17.3% |
| 10% least volatile stocks in US Market | 4.1% |
Stable Share Price: PFLC has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: PFLC's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1971 | n/a | Denise Portmann | www.bankofthepacific.com |
Pacific Financial Corporation operates as the bank holding company for Bank of the Pacific that provides various banking products and services. The company offers personal and business checking, savings, and money market accounts; switch kit account; online loan payment; essential, youth savings, and health savings; certificates of deposit; individual retirement accounts; and home equity loans, loan payment options, auto and recreation loans, credit cards, and home equity lines of credit. It also provides business and commercial, commercial real estate, commercial vehicle, equipment, construction, and SBA loans, as well as working capital lines of credit; commercial office build-outs; commercial deposits and treasury management, merchant, and online and mobile banking services.
Pacific Financial Corporation Fundamentals Summary
| PFLC fundamental statistics | |
|---|---|
| Market cap | US$108.22m |
| Earnings (TTM) | US$9.26m |
| Revenue (TTM) | US$50.47m |
Is PFLC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PFLC income statement (TTM) | |
|---|---|
| Revenue | US$50.47m |
| Cost of Revenue | US$0 |
| Gross Profit | US$50.47m |
| Other Expenses | US$41.21m |
| Earnings | US$9.26m |
Last Reported Earnings
Mar 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.92 |
| Gross Margin | 100.00% |
| Net Profit Margin | 18.34% |
| Debt/Equity Ratio | 11.5% |
How did PFLC perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/06/04 14:16 |
| End of Day Share Price | 2025/06/04 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Pacific Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.