Pacific Financial Past Earnings Performance
Past criteria checks 1/6
Pacific Financial's earnings have been declining at an average annual rate of -0.02%, while the Banks industry saw earnings growing at 7.1% annually. Revenues have been declining at an average rate of 0.3% per year. Pacific Financial's return on equity is 8.5%, and it has net margins of 20.1%.
Key information
-0.02%
Earnings growth rate
0.4%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | -0.3% |
| Return on equity | 8.5% |
| Net Margin | 20.1% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Pacific Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 51 | 10 | 33 | 0 |
| 30 Jun 24 | 52 | 11 | 33 | 0 |
| 31 Mar 24 | 53 | 13 | 32 | 0 |
| 31 Dec 23 | 55 | 15 | 31 | 0 |
| 30 Sep 23 | 56 | 16 | 31 | 0 |
| 30 Jun 23 | 55 | 16 | 31 | 0 |
| 31 Mar 23 | 52 | 13 | 31 | 0 |
| 31 Dec 22 | 48 | 11 | 30 | 0 |
| 30 Sep 22 | 46 | 8 | 31 | 0 |
| 30 Jun 22 | 46 | 8 | 32 | 0 |
| 31 Mar 22 | 51 | 10 | 33 | 0 |
| 31 Dec 21 | 56 | 13 | 35 | 0 |
| 30 Sep 21 | 60 | 14 | 36 | 0 |
| 30 Jun 21 | 61 | 16 | 36 | 0 |
| 31 Mar 21 | 59 | 14 | 36 | 0 |
| 31 Dec 20 | 54 | 11 | 35 | 0 |
| 30 Sep 20 | 52 | 11 | 33 | 0 |
| 30 Jun 20 | 51 | 11 | 33 | 0 |
| 31 Mar 20 | 51 | 12 | 31 | 0 |
| 31 Dec 19 | 53 | 14 | 31 | 0 |
| 30 Sep 19 | 51 | 14 | 30 | 0 |
| 30 Jun 19 | 50 | 13 | 29 | 0 |
| 31 Mar 19 | 48 | 12 | 29 | 0 |
| 31 Dec 18 | 48 | 11 | 29 | 0 |
| 30 Sep 18 | 47 | 9 | 29 | 0 |
| 30 Jun 18 | 46 | 8 | 28 | 0 |
| 31 Mar 18 | 45 | 8 | 28 | 0 |
| 31 Dec 17 | 44 | 7 | 28 | 0 |
| 30 Sep 17 | 43 | 7 | 29 | 0 |
| 30 Jun 17 | 43 | 7 | 28 | 0 |
| 31 Mar 17 | 42 | 7 | 28 | 0 |
| 31 Dec 16 | 42 | 7 | 27 | 0 |
| 30 Sep 16 | 41 | 6 | 26 | 0 |
| 30 Jun 16 | 40 | 6 | 25 | 0 |
| 31 Mar 16 | 40 | 6 | 25 | 0 |
| 31 Dec 15 | 38 | 6 | 25 | 0 |
| 30 Sep 15 | 37 | 5 | 25 | 0 |
| 30 Jun 15 | 37 | 5 | 24 | 0 |
| 31 Mar 15 | 36 | 5 | 24 | 0 |
| 31 Dec 14 | 35 | 5 | 23 | 0 |
| 30 Sep 14 | 34 | 5 | 23 | 0 |
| 30 Jun 14 | 33 | 4 | 23 | 0 |
| 31 Mar 14 | 34 | 4 | 23 | 0 |
| 31 Dec 13 | 34 | 4 | 23 | 0 |
Quality Earnings: PFLC has high quality earnings.
Growing Profit Margin: PFLC's current net profit margins (20.1%) are lower than last year (29.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PFLC's earnings have declined by 0.02% per year over the past 5 years.
Accelerating Growth: PFLC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PFLC had negative earnings growth (-37%) over the past year, making it difficult to compare to the Banks industry average (-12.2%).
Return on Equity
High ROE: PFLC's Return on Equity (8.5%) is considered low.