Pacific Financial Corporation
General ticker "PFLC" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $115.4M (TTM average)
Pacific Financial Corporation follows the US Stock Market performance with the rate: 34.5%.
Estimated limits based on current volatility of 0.5%: low 11.95$, high 12.07$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-11-14, amount 0.14$ (Y4.66%)
- Total employees count: 234 as of 2014
- Top business risk factors: Economic downturns and volatility, Real estate market downturn, Liquidity and credit risks, Regulatory and compliance, Market competition
- Price in estimated range
- Earnings for 6 months up through Q2 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [10.77$, 14.00$]
- 2025-12-31 to 2026-12-31 estimated range: [11.52$, 15.09$]
Financial Metrics affecting the PFLC estimates:
- Positive: with PPE of 13.5 at the end of fiscal year the price was very low
- Positive: Operating profit margin, % of 30.47 > 18.64
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.82
- Negative: Operating cash flow per share per price, % of 5.24 <= 6.82
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Shareholder equity ratio, % of 9.87 <= 18.93
- Negative: Investing cash flow per share per price, % of -23.83 <= -14.38
Short-term PFLC quotes
Long-term PFLC plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $49.38MM | $61.65MM | $50.92MM |
| Operating Expenses | $36.18MM | $43.66MM | $35.41MM |
| Operating Income | $13.20MM | $18.00MM | $15.52MM |
| Non-Operating Income | $0.00MM | $0.00MM | $-3.77MM |
| Interest Expense | $1.21MM | $6.28MM | $0.00MM |
| Income(Loss) | $13.20MM | $18.00MM | $11.74MM |
| Taxes | $2.31MM | $3.39MM | $2.21MM |
| Profit(Loss)* | $10.89MM | $14.61MM | $9.53MM |
| Stockholders Equity | $103.16MM | $114.69MM | $113.86MM |
| Assets | $1,306.20MM | $1,148.90MM | $1,153.56MM |
| Operating Cash Flow | $25.37MM | $15.82MM | $6.73MM |
| Capital expenditure | $1.17MM | $1.35MM | $1.47MM |
| Investing Cash Flow | $-93.14MM | $-46.67MM | $-30.62MM |
| Financing Cash Flow | $-4.36MM | $-177.03MM | $-3.78MM |
| Earnings Per Share** | $1.05 | $1.40 | $0.92 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.