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.


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Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Analyst Price Target Analyst Target Upside/Downside Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score
OTC-PFLC
Not available
Not available
Not available
October 27, 2026
14.7x
1.5x
3.3x
184.4 M
6.8%
88.3%
-1.9
Valuation • Fair Value

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

Review the available estimates for Pacific Financial Corp (OTC-PFLC), including Ben Graham Formula Value.

Primary Valuation Read

Fair Value

Not available

Data is currently unavailable.

Ben Graham Formula Value

$13.86

Classic Ben Graham valuation formula reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the available valuation reference for Pacific Financial Corp (OTC-PFLC) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

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

Review the profitability and growth indicators currently supported by the latest data.

Revenue

55.191 M

Current operating scale indicator.

EBITDA

0 K

Current operating profitability reference.

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 the financial quality and risk indicators currently supported by the latest data.

Piotroski Score

4

Mid-range quality score.

Altman Z-Score

-1.9

Lower score that deserves closer risk review.

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 for Pacific Financial Corp (OTC-PFLC)

Review the upcoming company dates currently supported by the latest data.

Next Earnings Date

October 27, 2026

Days to Earnings

35

How to read events and dividends

Track the upcoming company dates currently available for Pacific Financial Corp (OTC-PFLC). Dividend data is not included in the latest data.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

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
Strong Sell

The 15-minute technical read for Pacific Financial Corp (OTC-PFLC) is currently Strong Sell. 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
Strong Sell

The 1-hour technical read for Pacific Financial Corp (OTC-PFLC) is currently Strong Sell. 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
Neutral

The daily 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: 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.

FAQ Fast Investor Answers

Pacific Financial Corp (OTC-PFLC) Stock FAQ

Data-supported answers about Pacific Financial Corp (OTC-PFLC), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
Not available
No reliable estimate from the currently supported inputs

A reliable fair value estimate is not currently available for Pacific Financial Corp (OTC-PFLC). This generally means the latest dataset does not contain enough valid inputs for the valuation models supported by PriceToWorth. The site does not substitute zero or publish an unsupported estimate; availability may change when updated financial data or applicable model inputs become available.

The next earnings date currently listed for Pacific Financial Corp (OTC-PFLC) is October 27, 2026.

The current P/E ratio listed for Pacific Financial Corp (OTC-PFLC) is 14.7x. 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 184.4 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.