Financial Services
Pacific Financial Corporation(PFLC)
Live Price
Offline$17.16
+0.00% today
1Y Change
+59.48%
Window
Jun 23, 2025 โ Jun 18, 2026
- Market Cap
- $170.00M
- Revenue Growth
- +28.1%
- EPS Growth
- +26.1%
- Dividend Yield
- 3.4%
Coverage: 249 bars ยท Jun 23, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Pacific Financial Corporation (PFLC) is a Financial Services stock with a market cap of $170.00M and listed on OTC. The stock last traded around $17.16 and up 59.5% across the available one-year price window (Jun 23, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +28.1%, EPS growth of +26.1%, a dividend yield of 3.4%. What stands out right now is revenue +28.1%, EPS +26.1%, free cash flow +114.4% with operating margin 23.2% and ROIC 8.1%. The dividend matters to the case here, with a current yield around 3.4%. Valuation is more restrained than many high-expectation growth names at P/E 13.9 and price/sales 2.5. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines PFLC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+28.1% vs +3.4% peer median
Operating Margin
Above sector median
+23.2% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +28.1% and EPS at +26.1%, with operating margin around 23.2%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.4%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.7% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | +0.0% | +3.7% | +26.9% |
2026 Jan 29, 2026 | โ | +0.0% | +0.8% | +0.2% |
2025 Oct 23, 2025 | โ | +0.0% | -2.4% | -0.1% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PFLC
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
PFLC Max Drawdown
-4.93%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PFLC and SPY.
Company Overview
Pacific Financial Corporation
Other OTC
Pacific Financial Corporation operates as the bank holding company for Bank of the Pacific that provides various banking products and services in Washington and Oregon. The company offers personal and business checking, and savings accounts; certificates of deposit, individual retirement accounts, and other investment options; home loans; and auto and recreation loans, credit cards, and home equity line of credit. It also provides business and commercial loans, commercial real estate loans, and SBA guaranteed loans, as well as inventory, equipment, and working capital loans; Visa business cards; and cash/treasury management, merchant, and online and mobile banking services. The company operates fourteen branches in the communities of Grays Harbor, Pacific, Whatcom, Clark, Skagit, and Wahkiakum counties in the state of Washington; and two branches in Clatsop County, Oregon. It also operates three loan production offices in the communities of Burlington, Washington and Salem and Eugene, Oregon. The company was founded in 1971 and is headquartered in Aberdeen, Washington.
- Leadership
- Denise J. Portmann
- IPO Date
- Feb 17, 2005
- Employees
- 234
- Street Address
- 1216 Skyview Drive
- Mailing
- Aberdeen, WA, 98520
- Region
- Aberdeen, WA, US
- Reporting Currency
- USD
- Investor Line
- 360 533 8870
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 13.9
- EV/EBITDA
- 3.6
- Price/Sales
- 2.5
- Price/Book
- 1.3
Growth
- Revenue
- +28.1%
- EPS
- +26.1%
- Free Cash Flow
- +114.4%
Profitability
- Gross Margin
- 61.1%
- Operating Margin
- 23.2%
- Net Margin
- 18.6%
- ROE
- 9.9%
- ROIC
- 8.1%
Balance Sheet
- Debt/Equity
- 0.11
- Current Ratio
- 0.38
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.