Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 65M | 51M | 62M | 49M | 54M |
| Gross Profit | 53M | 51M | 55M | 48M | 56M |
| Operating Income | 15M | 16M | 18M | 13M | 16M |
| EBITDA | 15M | 12M | 19M | 17M | 19M |
| Net Income | 12M | 10M | 15M | 11M | 13M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$17.16
+0.00% today
1Y Change
+59.48%
Window
Jun 23, 2025 → Jun 18, 2026
Coverage: 249 bars · Jun 23, 2025 → 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 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PFLC
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
PFLC Max Drawdown
-4.93%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for PFLC and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$53.9M
+9.1% YoY
FY Net Income
$12.7M
+16.6% YoY
Free Cash Flow
$38.1M
+57.3% YoY
Revenue Growth
+28.1%
EPS Growth
+26.1%
Gross Margin
61.1%
Net Margin
18.6%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 65M | 51M | 62M | 49M | 54M |
| Gross Profit | 53M | 51M | 55M | 48M | 56M |
| Operating Income | 15M | 16M | 18M | 13M | 16M |
| EBITDA | 15M | 12M | 19M | 17M | 19M |
| Net Income | 12M | 10M | 15M | 11M | 13M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 115M | 18M | 108M | 318M | 339M |
| Total Assets | 1.3B | 1.2B | 1.1B | 1.3B | 1.3B |
| Total Liabilities | 1.1B | 1.0B | 1.0B | 1.2B | 1.2B |
| Shareholder Equity | 126M | 114M | 115M | 103M | 118M |
| Total Debt | 13M | 17M | 16M | 15M | 15M |
| Net Debt | -101M | -5M | -92M | -304M | -323M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
39M
+52.3% YoY
Capital Expenditures
597K
+49.1% YoY
Free Cash Flow
38M
+57.3% YoY
Key ratios
Gross Margin
61.1%
Operating Margin
23.2%
Net Margin
18.6%
ROE
9.9%
Debt / Equity
0.11x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.