Pacific Financial Corp (PFLC)


Pacific Financial Corporation is a bank holding company for Bank of the Pacific, a community banking franchise serving customers in Washington and Oregon. Through its banking operations, the company provides a range of deposit products, including checking, savings, money market, certificate of deposit, and individual retirement accounts, along with online loan payment tools and specialty savings options such as youth and health savings accounts. Its lending activities cover home equity, auto and recreation, credit card, business, commercial real estate, equipment, construction, and SBA loans, as well as working capital lines of credit and commercial office build-outs. The company also provides commercial deposits, treasury management, merchant services, and online and mobile banking. Pacific Financial operates branches across several counties in Washington and Oregon and maintains loan production offices in Burlington, Washington, and Salem, Oregon. Founded in 1971, it is headquartered in Aberdeen, Washington.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-PFLC
$14.11
-22.5% Downside
Overvalued
Good
0.6
3.3%
14.6x
1.4x
3.3x
182.4 M
6.8%
88.3%
-1.7
91.5%
Valuation • Fair Value

Pacific Financial Corp (OTC-PFLC) Fair Value by Valuation Model

Compare the primary fair value estimate for Pacific Financial Corp (OTC-PFLC) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$14.11

Estimated downside of 22.5% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$13.63

Classic Ben Graham valuation formula reference.

DDM Fair Value

$17.20

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$13.08

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Pacific Financial Corp (OTC-PFLC) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Pacific Financial Corp (OTC-PFLC)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

54.278 M

Current operating scale indicator.

Revenue Forecast

54.107 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Pacific Financial Corp (OTC-PFLC) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Pacific Financial Corp (OTC-PFLC)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

6

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.7

Lower score that deserves closer risk review.

FCF / Net Income

91.5%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Pacific Financial Corp (OTC-PFLC). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Pacific Financial Corp (OTC-PFLC)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

Not available

Days to Earnings

Not available

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

3.3%

Income yield reference.

Upcoming Dividend

0.6

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Pacific Financial Corp (OTC-PFLC), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Pacific Financial Corp (OTC-PFLC) Stock Forecast & Technical Outlook

Review Pacific Financial Corp (OTC-PFLC) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for Pacific Financial Corp (OTC-PFLC) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for Pacific Financial Corp (OTC-PFLC) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Pacific Financial Corp (OTC-PFLC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Pacific Financial Corp (OTC-PFLC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Pacific Financial Corp (OTC-PFLC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Pacific Financial Corp (OTC-PFLC)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Pacific Financial Corp (OTC-PFLC) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ Fast Investor Answers

Pacific Financial Corp (OTC-PFLC) Stock FAQ

Quick answers about Pacific Financial Corp (OTC-PFLC) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$14.11
Estimated downside 22.5%
Valuation Rating
Overvalued
Estimated downside of 22.5%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for Pacific Financial Corp (OTC-PFLC) is $14.11. This implies an estimated downside of 22.5% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 22.5% versus the current market price.

An analyst price target for Pacific Financial Corp (OTC-PFLC) is not currently available in the latest data file.

The current financial health read for Pacific Financial Corp (OTC-PFLC) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

Based on the current data, dividend yield is 3.3%, upcoming dividend amount is 0.6.

The current P/E ratio listed for Pacific Financial Corp (OTC-PFLC) is 14.6x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Pacific Financial Corp is 182.4 M.

The ticker symbol for Pacific Financial Corp is OTC-PFLC, and the stock is listed on OTC Markets.

Pacific Financial Corp (OTC-PFLC) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Pacific Financial Corp is 6.8%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Pacific Financial Corp is 88.3%. Free float helps investors understand how much of the share base is available for public trading.