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Pacific Financial Corporation (PFLC)

Country: United States of AmericaSector: Financial ServicesIndustry: Banks - RegionalExchange: OTC

Delisted · last close 31 Aug 2026

Current price
18.38 USD-0.81%
Last close 31 Aug 2026
Benchmarks

Key financial summary

Financials in USD
202020212022202320242025TTM
Total net revenue$m57534855405455
Operating profit$m1516
Net profit$m11131115101213
EPS reported$1.161.25
Operating cashflow per share$1.250.00
Capex per share$0.110.00
FCF per share$1.140.00
Free cash flow$m110
Net debt$m-101-1
Book value equity$m126126
Book value per share$12.7912.69
Number of sharesm9.899.97
DPS (TTM paid)$0.560.59

Financial summary

Financials in USD
202020212022202320242025TTM
Value
P/E TTMx10.9914.70
P/B LTMx1.001.46
P/S LTMx2.353.36
P/FCF LTMx11.180.00
EV/EBITDA LTMx1.7011.61
EV/Sales LTMx0.383.33
Earnings Yield LTM%9.10%6.80%
FCF Yield%8.94%0.00%
Quality
ROE%9.21%9.97%
ROIC%7.65%0.99%
Operating margin%22.26%23.54%
Gross margin%81.32%82.45%
FCF/Sales%17.28%0.00%
Growth and momentum
EPS Growth YoY%+26.09%+28.87%
Sales Growth YoY%+33.49%+13.28%
Net Income Growth YoY%+22.17%+27.91%
FCF Growth%+114.44%-
Operating Profit Growth%-6.43%+20.87%
Dividend and capital structure
Dividend Yield%4.45%3.21%
Dividend Growth%0.00%+5.36%
Payout Ratio%48.92%48.18%
FCF/Debtx0.840.00
Net Debt/EBITDAx-6.98-0.08
EBIT/Net interestx1.251.31
Net debt/market cap%-80.46%-0.70%
Net debt/Equityx-0.80-0.01
Gross debt/equityx0.110.11

Company overview

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.

IndustryBanks - Regional
Trades inUSD

Similar companies

For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.

Delisted · last close 31 Aug 2026

Pacific Financial Corporation (PFLC)

PFLC · OTC · Financial Services
18.38 USD-0.81%
Benchmarks
Financialsin USD
20242025TTM
About

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.

IndustryBanks - Regional
Trades inUSD

For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.

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