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Pacific Financial(OTC) PFLC

Market Cap$186.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2003)+255%
5 Year+82%
1 Year+68%
1 Month+3%
$18.05
+0.28%
+0.05Today
Pacific Financial last closing stock price
MetricPriceDate
Last closeUSD 18.052026-07-31
Pacific Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.46%USD 17.792026-07-24
1 month+3.14%USD 17.502026-07-01
3 month+8.14%USD 16.692026-05-01
Year to date+44.47%USD 12.492025-12-30
1 year+67.74%USD 10.762025-07-31
3 year+109.69%USD 8.612023-08-01
5 year+82.39%USD 9.902021-07-30
Since inception+254.72%USD 5.092003-11-07

Pacific Financial Financials at a Glance

Market Cap

$186.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$66.95M

Net Income (TTM)

$12.54M

EPS (TTM)

$1.25

P/E Ratio

14.43

Dividend

$0.58

Beta (Volatility)

0.14 (Low)

Price

$18.05

Volume

1,900

Open

$18.00

Previous Close

$18.05

Daily Range

$18.00 - $18.10

52-Week Range

$11.02 - $18.57

Estimated Earnings Date

Apr 23, 2026

PFLC News

No articles available.

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About Pacific Financial

Pacific Financial Corporation serves as the parent entity for Bank of the Pacific, providing a wide array of financial products and services across Washington and Oregon. Established in 1971, the company focuses on delivering banking solutions for both individual and corporate clients.

Products and Services
  • Checking and savings accounts, CDs, and IRAs for individuals
  • Residential mortgages, vehicle loans, and credit cards for consumers
  • Commercial loans, SBA loans, and treasury management for businesses
Growth Outlook
  • Recent quarterly revenue reached $16.37 million, showcasing steady demand
  • Trailing twelve months (TTM) net income of $12.1 million indicates strong profitability
  • Expansion plans include enhancing digital banking services to attract more clients
Financial Highlights
  • TTM return on equity stands at 9.94%, reflecting efficient use of capital
  • Dividend yield of 3.15% offers attractive income potential for investors
  • Market capitalization of approximately $184 million supports growth initiatives
AI Generated • Jul 18, 2026

Industry

Banks

Sector

Financials

CEO

Denise J. Portmann, CPA

Website

www.bankofthepacific.com

Headquarters

Aberdeen, WA 98520, US

PFLC Financials

Key Financial Metrics (TTM)

Gross Margin

82.45%

Operating Margin

23.54%

Net Income Margin

18.73%

Return on Equity

9.97%

Return on Capital

10.39%

Return on Assets

0.99%

Earnings Yield

6.93%

Dividend Yield

3.21%

Payout Ratio

0.00%

Stock Overview

Market Cap

$186.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

10.33M

Volume

1.90K

Avg. Volume

49.98K

Financials (TTM)

Gross Profit

$55.20M

Operating Income

$15.76M

EBITDA

$15.76M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$14.69M

Total Debt

$13.40M

Pacific Financial Performance Analysis

Pacific Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 49,379,000-8.4%
20232023-12-31USD 61,652,00024.9%
20242024-12-31USD 61,872,0000.4%
20252025-12-31USD 65,231,0005.4%
Pacific Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.9%
Q42025-12-312.5%
Q12026-03-31-4.1%
Q22026-06-303.1%
Pacific Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.04-14.1%
20232023-12-31USD 1.4034.1%
20242024-12-31USD 0.92-34.0%
20252025-12-31USD 1.1625.5%
Pacific Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3029.6%
Q42025-12-31-11.4%
Q12026-03-31-3.2%
Q22026-06-30-3.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$16.87M

+4.3%

Gross Profit

$13.93M

+7.1%

Gross Margin

82.58%

N/A

Market Cap

$186.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$796.79K

N/A

Employees

234

N/A

Net Income

$2.89M

+8.3%

EBITDA

$3.70M

+12.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$14.69M

-96.1%

Total Debt

$13.40M

+0.0%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$13.40M

+0.0%

Short Term Debt

$0.00

N/A

Return on Assets

0.99%

N/A

Return on Invested Capital

1.25%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About PFLC

What is the current price of Pacific Financial?

Pacific Financial is trading at $18.05 per share.

What is the 52-week range for Pacific Financial?

Over the past 52 weeks, Pacific Financial has traded between $11.02 and $18.57.

How much debt does Pacific Financial have?

As of the most recent reporting period, Pacific Financial reported total debt of $13.40M.

How much cash does Pacific Financial have on hand?

Pacific Financial does not have cash on hand data available.

What is Pacific Financial’s dividend yield?

Pacific Financial currently has a dividend yield of 3.21%.

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