What is Pacific Financial Corporation (PFLC) stock price today?

Pacific Financial Corporation (PFLC) is currently trading at $17.95, up 0.96% today.

What is PFLC P/E ratio?

Pacific Financial Corporation's P/E ratio is 14.59. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is PFLC return on equity (ROE)?

Pacific Financial Corporation's return on equity (ROE) is 9.94%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Pacific Financial Corporation's market cap?

Pacific Financial Corporation has a market capitalization of $179.93M.

OTC · Banks - Regional

Pacific Financial Corporation (PFLC) Stock

$17.95 +0.96% OTC: PFLC Financial Services

Valuation

Metric	Value
Price	$17.95
Market Cap	$179.93M
P/E Ratio	14.59
P/B Ratio	1.44
P/S Ratio	2.72
EPS (TTM)	$1.23
52-Week High	$18.10
52-Week Low	$10.76
Dividend Yield	3.34%

Financials & Margins

Metric	Value
ROE	9.94%
ROA	0.95%
ROCE	10.10%
Gross Margin	81.93%
Operating Margin	23.18%
Net Margin	18.59%
Debt/Equity	0.11
Current Ratio	0.38

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$54.0M	$49.0M	$62.0M	$51.0M	$65.0M
Operating Profit	$16.0M	$13.0M	$18.0M	$16.0M	$15.0M
Net Profit	$13.0M	$11.0M	$15.0M	$10.0M	$12.0M
EPS	$1.22	$1.04	$1.40	$0.92	$1.16
Op Margin	28.9%	26.7%	29.2%	30.5%	22.3%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$1.3B	$1.3B	$1.1B	$1.2B	$1.3B
Total Liabilities	$1.2B	$1.2B	$1.0B	$1.0B	$1.1B
Cash	$339.0M	$318.0M	$108.0M	$18.0M	$115.0M
Borrowings	$15.0M	$15.0M	$16.0M	$17.0M	$13.0M

Latest News

Central Pacific Financial Corp. Announces Conference Call to Discuss Second Quarter 2026 Financial Results Business Wire · Jul 7, 2026 Banner to buy Pacific Financial, boosting presence in Northwest American Banker · May 1, 2026 Washington bank Banner to buy Pacific Financial for $177M Banking Dive · May 1, 2026 Pacific Financial Corp Reports First Quarter 2026 Earnings of $3.1 Million, or $0.30 per Diluted Share; Declares Quarterly Cash Dividend of $0.15 per Share GlobeNewswire · Apr 24, 2026

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$39.0M	$25.0M	$16.0M	$7.0M	$12.0M
Investing Cash Flow	$-23.0M	$-94.0M	$-48.0M	$-32.0M	$-80.0M
Financing Cash Flow	$150.0M	$1.0M	$-171.0M	$2.0M	$107.0M
Net Cash Flow	$161.0M	$-72.0M	$-207.0M	$-28.0M	$0
Free Cash Flow	$38.0M	$24.0M	$14.0M	$5.0M	$11.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.42
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	72.17%
Return 3Y	119.04%
Return 5Y	84.29%

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
AAPLApple Inc.	$313.33	+0.29%	37.72	$4.60T	0.34%
MSFTMicrosoft Corporation	$499.99	+0.03%	22.95	$3.71T	0.94%
GOOGLAlphabet Inc.	$354.30	-0.96%	27.68	$4.29T	0.23%
AMZNAmazon.com, Inc.	$274.48	+0.82%	28.76	$2.95T	0.00%
METAMeta Platforms, Inc.	$592.10	+0.37%	21.47	$1.51T	0.35%

About Pacific Financial Corporation

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.

Pacific Financial Corporation is headquartered in US.

Pacific Financial Corporation (PFLC) stock trades at $17.95 with a market capitalization of $179.93M. The stock is valued at a price-to-earnings (P/E) ratio of 14.59, price-to-book of 1.44, price-to-sales of 2.72. Over the past 52 weeks the stock has ranged between $10.76 and $18.10, and currently trades at its 52-week high. It pays a dividend yielding 3.34%.

On profitability, Pacific Financial Corporation generates a return on equity (ROE) of 9.94%, return on capital employed of 10.10%, an operating margin of 23.18%, a net profit margin of 18.59%.

Official website: www.bankofthepacific.com