Pacific Financial Corporation (PFLC)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Pacific Financial Corporation (PFLC) with AI Score 59/100 (Hold). Pacific Financial Corporation, headquartered in Aberdeen, Washington, operates as the bank holding company for Bank of the Pacific, offering a range of banking products and services in Washington and Oregon. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 16, 2026Pacific Financial Corporation (PFLC) Financial Services Profile
Pacific Financial Corporation, operating as Bank of the Pacific, provides banking services in Washington and Oregon, focusing on personal and business clients with traditional and digital solutions. With a market capitalization of $0.13 billion and a dividend yield of 4.42%, PFLC balances community banking with modern financial services.
Investment Thesis
Pacific Financial Corporation presents a community banking model with a focus on the Pacific Northwest region. The company's dividend yield of 4.42% may attract income-focused investors. With a P/E ratio of 10.95 and a profit margin of 17.8%, the company demonstrates profitability. Growth catalysts include expanding its loan portfolio and enhancing digital banking services. Potential risks include competition from larger regional and national banks, as well as regulatory changes impacting the banking sector. The company's beta of 0.37 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.13 billion indicates its size relative to other regional banks.
- P/E ratio of 10.95 suggests a potentially reasonable valuation compared to earnings.
- Profit margin of 17.8% demonstrates efficient operations and profitability.
- Dividend yield of 4.42% offers an income stream for investors.
- Beta of 0.37 indicates lower volatility compared to the overall market.
Competitors & Peers
Strengths
- Established presence in Washington and Oregon.
- Strong focus on community banking.
- Diverse range of banking products and services.
- Experienced management team.
Weaknesses
- Limited geographic reach compared to larger banks.
- Dependence on local economies in Washington and Oregon.
- Smaller scale may limit access to capital.
- OTC market listing may impact liquidity.
Catalysts
- Ongoing: Expansion of digital banking services to attract and retain customers.
- Ongoing: Growth in commercial lending to small and medium-sized businesses.
- Ongoing: Strategic partnerships with fintech companies to enhance technology capabilities.
- Upcoming: Potential acquisitions of smaller banks or credit unions in the Pacific Northwest.
- Ongoing: Focus on increasing efficiency and reducing operating costs.
Risks
- Potential: Competition from larger regional and national banks.
- Potential: Economic downturns in Washington and Oregon.
- Potential: Changes in banking regulations.
- Potential: Cybersecurity threats and data breaches.
- Ongoing: Limited liquidity due to OTC market listing.
Growth Opportunities
- Expansion of Digital Banking Services: Investing in and expanding digital banking services presents a significant growth opportunity for Pacific Financial Corporation. As customer preferences shift towards online and mobile banking, enhancing these platforms can attract and retain customers. This includes improving user experience, offering a wider range of digital products, and ensuring robust cybersecurity measures. The market for digital banking is projected to grow as technology adoption increases, providing a long-term growth avenue for PFLC.
- Strategic Branch Expansion: Expanding the branch network in underserved communities within Washington and Oregon can drive deposit growth and increase market share. Identifying areas with strong economic growth and limited banking options can provide a competitive advantage. Each new branch requires careful planning and investment, but can lead to increased customer acquisition and loan origination. This strategy should be aligned with the company's overall growth objectives and capital allocation plans.
- Enhancement of Commercial Lending Portfolio: Focusing on expanding the commercial lending portfolio, particularly to small and medium-sized businesses (SMBs), can drive revenue growth. SMBs often require financing for expansion, equipment purchases, and working capital. By offering tailored loan products and building strong relationships with local businesses, Pacific Financial Corporation can capture a larger share of the commercial lending market. This requires a skilled lending team and a deep understanding of the local business environment.
- Increased Focus on SBA Lending: Expanding its participation in the Small Business Administration (SBA) loan programs can provide a low-risk avenue for growth. SBA loans are partially guaranteed by the government, reducing the risk for the bank. By actively marketing SBA loan products and streamlining the application process, Pacific Financial Corporation can attract more small business customers. This strategy can also enhance the bank's reputation as a supporter of local businesses.
- Strategic Partnerships with Fintech Companies: Partnering with fintech companies can enhance Pacific Financial Corporation's technology capabilities and expand its product offerings. Collaborating with fintechs can provide access to innovative solutions in areas such as mobile payments, online lending, and financial planning. These partnerships can improve customer experience, streamline operations, and attract new customers. Careful due diligence is required to ensure that partnerships align with the bank's risk management and compliance standards.
Opportunities
- Expansion into new markets within the Pacific Northwest.
- Increased adoption of digital banking services.
- Growth in commercial lending to small businesses.
- Strategic partnerships with fintech companies.
Threats
- Competition from larger regional and national banks.
- Economic downturns in Washington and Oregon.
- Changes in banking regulations.
- Cybersecurity threats and data breaches.
Competitive Advantages
- Established presence in local communities in Washington and Oregon.
- Strong relationships with local businesses and customers.
- Personalized customer service.
- Local market knowledge and expertise.
About PFLC
Founded in 1971 and headquartered in Aberdeen, Washington, Pacific Financial Corporation serves as the bank holding company for Bank of the Pacific. The bank provides a comprehensive suite of banking products and services to individuals and businesses across Washington and Oregon. Its offerings include personal and business checking and savings accounts, certificates of deposit, individual retirement accounts, and various investment options. The company also provides home loans, auto and recreation loans, credit cards, and home equity lines of credit. For businesses, Bank of the Pacific offers commercial and commercial real estate loans, SBA guaranteed loans, and solutions for inventory, equipment, and working capital financing. Additionally, the bank provides Visa business cards, cash/treasury management, merchant services, and online and mobile banking platforms. Pacific Financial Corporation operates fourteen branches located in Washington, specifically in Grays Harbor, Pacific, Whatcom, Clark, Skagit, and Wahkiakum counties, and two branches in Clatsop County, Oregon. The company also maintains three loan production offices in Burlington, Washington, and Salem and Eugene, Oregon. Pacific Financial Corporation focuses on delivering personalized banking services while adapting to evolving customer needs through digital innovation.
What They Do
- Provides personal and business checking and savings accounts.
- Offers certificates of deposit and individual retirement accounts.
- Provides home loans, auto loans, and credit cards.
- Offers commercial real estate loans and SBA guaranteed loans.
- Provides cash/treasury management services.
- Offers merchant services.
- Provides online and mobile banking services.
Business Model
- Generates revenue through interest income from loans.
- Earns fees from services such as cash management and merchant services.
- Manages risk through diversification of loan portfolio.
- Expands customer base through branch network and digital channels.
Industry Context
Pacific Financial Corporation operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate fluctuations, regulatory requirements, and technological advancements. Regional banks like Pacific Financial Corporation compete with larger national banks, credit unions, and fintech companies. The trend towards digital banking is reshaping the industry, requiring banks to invest in technology to enhance customer experience and operational efficiency. The regional banking sector is also subject to regulatory oversight, including capital requirements and compliance standards.
Key Customers
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers seeking commercial real estate financing.
- Customers in Washington and Oregon.
Financials
Chart & Info
Pacific Financial Corporation (PFLC) stock price: Price data unavailable
Latest News
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Pacific Financial Corp Reports Fourth Quarter 2025 Earnings of $3.1 Million, or $0.31 per Diluted Share; Declares Quarterly Cash Dividend of $0.15 per Share
globenewswire.com · Jan 30, 2026
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Stocks That Hit 52-Week Highs On Friday
· Jan 10, 2020
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PFLC.
Price Targets
Wall Street price target analysis for PFLC.
MoonshotScore
What does this score mean?
The MoonshotScore rates PFLC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Denise J. Portmann
CEO
Denise J. Portmann serves as the CEO of Pacific Financial Corporation, bringing extensive experience in the financial services industry. Her career includes leadership roles in various banking institutions, focusing on strategic planning, risk management, and operational efficiency. Portmann's background encompasses a deep understanding of community banking and a commitment to serving the needs of local businesses and individuals. She has a strong track record of driving growth and profitability while maintaining a focus on regulatory compliance and customer satisfaction. Her leadership is focused on sustainable growth and community engagement.
Track Record: Under Denise J. Portmann's leadership, Pacific Financial Corporation has focused on enhancing its digital banking capabilities and expanding its commercial lending portfolio. She has overseen initiatives to improve customer experience and streamline operations. Key milestones include the implementation of new technology platforms and the expansion of the bank's branch network in strategic locations. Her tenure has been marked by a commitment to maintaining a strong financial position and delivering value to shareholders.
PFLC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Pacific Financial Corporation may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and operational performance. Trading on the OTC Other tier typically involves higher risks due to the lack of stringent listing requirements and regulatory oversight compared to major exchanges like the NYSE or NASDAQ. This tier often includes companies with limited operating history or those facing financial challenges.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure may hinder informed investment decisions.
- Lower trading volume may result in price volatility and illiquidity.
- OTC Other tier listing indicates a higher risk profile compared to major exchanges.
- Potential for fraud or manipulation is higher on the OTC market.
- Lack of regulatory oversight increases investment risks.
- Verify the company's financial statements and SEC filings.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's risk factors and legal disclosures.
- Check for any regulatory actions or legal disputes.
- Consult with a financial advisor before investing.
- Understand the risks associated with OTC trading.
- Established history of operations since 1971.
- Bank holding company for Bank of the Pacific.
- Operates multiple branches in Washington and Oregon.
- Provides a range of banking products and services.
- CEO with experience in the financial services industry.
Pacific Financial Corporation Stock: Key Questions Answered
What does Pacific Financial Corporation do?
Pacific Financial Corporation operates as the bank holding company for Bank of the Pacific, providing a range of banking products and services to individuals and businesses in Washington and Oregon. These services include personal and business checking and savings accounts, loans, credit cards, and investment options. The company focuses on community banking, emphasizing personalized service and local market knowledge. It generates revenue primarily through interest income from loans and fees from various banking services, operating through a network of branches and digital platforms.
What do analysts say about PFLC stock?
Analyst coverage of Pacific Financial Corporation (PFLC) is limited due to its size and OTC market listing. However, key valuation metrics such as the P/E ratio of 10.95 and dividend yield of 4.42% provide insights into the company's financial performance. Growth considerations include the company's ability to expand its loan portfolio, enhance digital banking services, and manage operating costs. Investors should conduct their own due diligence and consider the risks associated with investing in OTC-listed companies.
What are the main risks for PFLC?
Pacific Financial Corporation faces several risks, including competition from larger regional and national banks, economic downturns in its operating regions of Washington and Oregon, and changes in banking regulations. Cybersecurity threats and data breaches also pose a significant risk. Additionally, the company's OTC market listing may result in limited liquidity and increased price volatility. Investors should carefully consider these risks before investing in PFLC.
What are the key factors to evaluate for PFLC?
Pacific Financial Corporation (PFLC) currently holds an AI score of 59/100, indicating moderate score. Key strength: Established presence in Washington and Oregon.. Primary risk to monitor: Potential: Competition from larger regional and national banks.. This is not financial advice.
How frequently does PFLC data refresh on this page?
PFLC prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven PFLC's recent stock price performance?
Recent price movement in Pacific Financial Corporation (PFLC) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Established presence in Washington and Oregon.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider PFLC overvalued or undervalued right now?
Determining whether Pacific Financial Corporation (PFLC) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying PFLC?
Before investing in Pacific Financial Corporation (PFLC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for PFLC.
- OTC market listing increases investment risks.
- Financial data based on available public information.