Pacific Financial Corporation (PFLC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, 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) trades at $17.40 with AI Score 59/100 (Grade B). Pacific Financial Corporation operates as the bank holding company for Bank of the Pacific, offering a range of personal and business banking products and services across Washington and Oregon. Market cap: $174.42M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for PFLC: PFLC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PFLC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
PFLC: the 4 perspectives are evenly split. Dominant signal: Seth Klarman bearish.
How is this calculated? →Pacific Financial Corporation (PFLC) Financial Services Profile
Pacific Financial Corporation, through Bank of the Pacific, delivers comprehensive personal and business banking services across Washington and Oregon. Established in 1971 and headquartered in Aberdeen, the company leverages a regional branch network and loan production offices to serve community financial needs, specializing in diverse lending and deposit solutions.
What Is the Investment Thesis for PFLC?
Pacific Financial Corporation operates as a regional bank holding company, Bank of the Pacific, focusing on community-based financial services across Washington and Oregon. The company demonstrates a stable financial profile with a Profit Margin of 18.6% and a Gross Margin of 61.1%, indicating efficient operations and profitability within its niche. With a market capitalization of $174.42M and a P/E ratio of 14.2, it represents a smaller-cap entity in the financial services sector. A notable aspect for investors is its dividend yield of 3.34%, offering income potential. The company's Beta of 0.38 suggests lower volatility compared to the broader market, potentially appealing to investors seeking stability. Growth catalysts are anticipated through continued expansion of its diversified loan portfolio, including commercial real estate and SBA loans, alongside enhancing its digital banking services to meet evolving customer demands. The regional focus allows for deep customer relationships, which can drive deposit growth and cross-selling opportunities, although its OTC Other listing implies considerations regarding liquidity and disclosure.
Based on FMP financials and quantitative analysis
PFLC Key Highlights
- Market Capitalization of $174.42M, positioning it as a small-cap regional financial institution.
- Profit Margin of 18.6%, indicating strong operational efficiency and profitability within its banking services.
- Gross Margin of 61.1%, reflecting effective revenue generation relative to the cost of providing financial products.
- Dividend Yield of 3.34%, providing income distribution to shareholders.
- Beta of 0.38, suggesting lower price volatility compared to the overall market.
Who Are PFLC's Competitors?
PFLC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| PNBI Pioneer Bankshares, Inc. | $44.50 | +0.00% | $44.61M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PFLC's Key Strengths?
- Established regional presence and strong community ties in Washington and Oregon since 1971.
- Diversified banking product offerings catering to both personal and business clients.
- Solid profitability metrics with an 18.6% Profit Margin and 61.1% Gross Margin.
- Offers a stable dividend yield of 3.34% and exhibits a low Beta of 0.38, suggesting lower market volatility.
What Are PFLC's Weaknesses?
- Smaller market capitalization of $174.42M compared to larger regional and national banks, limiting scale advantages.
- OTC Other listing tier implies lower liquidity and potentially less public disclosure compared to major exchanges.
- Reliance on the economic health and regulatory environment of its specific operating regions in Washington and Oregon.
- Potential for limited access to capital markets for expansion or strategic initiatives due to its OTC listing.
What Could Drive PFLC Stock Higher?
- Regional economic growth in Washington and Oregon driving increased loan demand across consumer and commercial segments.
- Successful implementation and adoption of new digital banking features enhancing customer acquisition and retention.
- Continued expansion and diversification of the commercial and SBA lending portfolios, contributing to interest income growth.
- Strategic initiatives to grow the core deposit base by offering competitive products and leveraging community relationships.
What Are the Key Risks for PFLC?
- Financial-distress signal — its Altman Z-Score of -0.48 sits in the distress zone (elevated bankruptcy risk).
- Exposure to fluctuations in interest rates, which can significantly impact the company's net interest margin and overall profitability.
- Increased regulatory compliance costs and evolving banking regulations, potentially impacting operational expenses and strategic flexibility.
- Economic downturns or localized industry-specific challenges within its primary operating regions of Washington and Oregon, affecting loan demand and credit quality.
- Intense competition from larger national banks, well-funded credit unions, and rapidly evolving financial technology (fintech) companies.
- Risks associated with its OTC Other listing, including lower liquidity, limited public disclosure, and potential for higher price volatility.
What Are the Growth Opportunities for PFLC?
- **Expansion of Commercial and SBA Lending Portfolio:** Pacific Financial Corporation has a robust offering of business, commercial real estate, and SBA guaranteed loans, alongside inventory, equipment, and working capital loans. As regional economies in Washington and Oregon continue to develop, there is an ongoing opportunity to expand these specific lending portfolios. This growth is driven by local business formation, expansion projects, and the need for capital investment, with the SBA guarantee providing a risk mitigation factor. The market for small and medium-sized business lending remains significant, particularly for regional banks that can offer tailored solutions and local expertise.
- **Enhancement and Adoption of Digital Banking Services:** The company currently offers online and mobile banking services. A significant growth opportunity lies in further enhancing these digital platforms, introducing new features, and improving user experience to attract and retain a broader customer base. The trend towards digital-first banking is accelerating, with customers increasingly preferring convenient, remote access to financial services. Investing in advanced digital tools can expand PFLC's reach beyond its physical branch network, potentially attracting younger demographics and tech-savvy businesses seeking efficient, secure, and user-friendly banking solutions.
- **Strategic Growth in Deposit Base and Wealth Management:** Expanding the deposit base, including personal and business checking, savings accounts, certificates of deposit, and individual retirement accounts, is crucial for funding lending activities and improving net interest margin. Leveraging its community-centric model, PFLC can focus on attracting deposits by offering competitive rates and personalized service. Additionally, there is an opportunity to grow into basic wealth management or advisory services, building on existing customer relationships to offer more comprehensive financial planning, which can generate non-interest income and deepen customer loyalty.
- **Targeted Expansion in High-Growth Regional Markets:** With 16 branches and 3 loan production offices across Washington and Oregon, Pacific Financial Corporation has an established regional presence. There is an opportunity for targeted expansion within existing counties or adjacent high-growth communities that align with its operational model. This could involve opening new loan production offices or smaller, digitally-focused branches in areas experiencing population growth or increased business activity, allowing the company to capture new market share and extend its community banking model to underserved or expanding locales.
- **Diversification and Growth in Consumer Lending Products:** The company offers a range of consumer loans, including home loans, auto and recreation loans, credit cards, and home equity lines of credit. Growth in these segments is tied to regional housing market health, consumer spending, and personal income levels. By actively marketing these products and potentially introducing competitive rates or flexible terms, PFLC can increase its share of the consumer lending market. This diversification helps balance the loan portfolio and provides multiple avenues for interest income generation, capitalizing on the financial needs of individual customers within its service areas.
What Opportunities Does PFLC Have?
- Expansion of its commercial real estate and SBA lending portfolios driven by regional economic growth.
- Enhancement and increased adoption of digital banking services to attract a broader and younger customer base.
- Strategic growth in its deposit base and potential for offering basic wealth management services to existing clients.
- Targeted expansion of loan production offices or smaller branches in high-growth areas within its existing service regions.
What Threats Does PFLC Face?
- Exposure to fluctuations in interest rates, which can impact net interest margin and overall profitability.
- Increased regulatory burden and compliance costs specific to the financial services sector and regional banks.
- Intense competition from larger national banks, credit unions, and emerging financial technology (fintech) companies.
- Economic downturns or localized industry-specific challenges in Washington and Oregon affecting loan demand and credit quality.
What Are PFLC's Competitive Advantages?
- **Local Market Expertise and Community Focus**: Deep understanding of the specific economic conditions, regulatory nuances, and customer needs within its Washington and Oregon service areas, fostering strong local relationships.
- **Established Regional Presence**: Operating since 1971 with 16 branches and 3 loan production offices, the company has built a long-standing reputation and trust within its communities, creating barriers for new entrants.
- **Diversified Product Portfolio**: Offers a comprehensive range of personal, business, and specialized lending products, reducing reliance on a single revenue stream and catering to a broader customer base.
- **Personalized Customer Service**: As a regional bank, it can often provide more tailored and responsive service compared to larger national banks, cultivating customer loyalty and retention.
What Does PFLC Do?
Pacific Financial Corporation, founded in 1971 and headquartered in Aberdeen, Washington, serves as the bank holding company for Bank of the Pacific. The company is a regional financial institution primarily operating in Washington and Oregon, providing a comprehensive suite of banking products and services designed for both individual consumers and businesses. Its offerings include a variety of personal and business checking accounts, savings accounts, certificates of deposit, individual retirement accounts, and other investment options. For consumers, the company provides home loans, auto and recreation loans, credit cards, and home equity lines of credit, catering to diverse personal financing needs. On the business front, Pacific Financial Corporation extends business and commercial loans, commercial real estate loans, and Small Business Administration (SBA) guaranteed loans. It also supports businesses with inventory, equipment, and working capital loans, along with Visa business cards. Complementing its lending portfolio, the company offers essential business services such as cash and treasury management, merchant services, and robust online and mobile banking platforms to facilitate convenient financial operations. Geographically, Bank of the Pacific maintains a significant presence with fourteen branches located across Grays Harbor, Pacific, Whatcom, Clark, Skagit, and Wahkiakum counties in Washington, and two branches in Clatsop County, Oregon. Additionally, the company operates three strategic loan production offices in Burlington, Washington, and Salem and Eugene, Oregon, further extending its reach and service capabilities within its target markets. This localized approach allows the company to foster strong community relationships and cater to the specific economic landscapes of its operating regions.
What Products and Services Does PFLC Offer?
- Operates as a bank holding company for Bank of the Pacific, providing comprehensive financial services.
- Offers personal banking products including checking, savings, certificates of deposit, and IRAs.
- Provides a variety of consumer loans such as home loans, auto loans, recreation loans, and credit cards.
- Extends business and commercial loans, including commercial real estate and SBA guaranteed loans.
- Supports businesses with specialized financing for inventory, equipment, and working capital.
- Delivers cash management, treasury services, and merchant services for corporate clients.
- Enables convenient banking through online and mobile platforms for both personal and business users.
- Maintains a physical presence with 14 branches in Washington, 2 in Oregon, and 3 loan production offices.
How Does PFLC Make Money?
- Generates primary revenue through net interest income from its diverse loan portfolio, including commercial, real estate, and consumer loans.
- Attracts and manages customer deposits (checking, savings, CDs, IRAs) which serve as a primary funding source for lending activities.
- Earns non-interest income from various service charges, fees on accounts, treasury management services, and merchant processing.
- Provides Small Business Administration (SBA) guaranteed loans, leveraging government backing to support small business growth while mitigating risk.
- Utilizes a network of physical branches and loan production offices to acquire customers, deliver personalized services, and originate loans in its target regions.
What Industry Does PFLC Operate In?
Pacific Financial Corporation operates within the highly regulated and competitive regional banking industry, primarily serving communities in Washington and Oregon. The regional banking sector is characterized by its focus on local economies, personalized customer service, and a diverse range of lending and deposit products tailored to specific community needs. Market trends include increasing demand for digital banking solutions, evolving regulatory landscapes, and the ongoing challenge of maintaining net interest margins in varying interest rate environments. PFLC competes with larger national banks that offer extensive resources and smaller local credit unions. Its strategy emphasizes community relationships and a comprehensive product suite, from personal checking to specialized SBA loans. The company's regional footprint allows it to leverage local market knowledge and foster strong customer loyalty, differentiating it from larger, more impersonal institutions.
Who Are PFLC's Key Customers?
- Individual consumers seeking personal banking services, including deposit accounts, mortgages, and consumer loans.
- Small to medium-sized businesses requiring commercial financing, working capital, cash management, and merchant services.
- Homeowners and prospective buyers in Washington and Oregon seeking home loans and home equity lines of credit.
- Entrepreneurs and small business owners in need of government-backed SBA guaranteed loans.
- Local communities within Grays Harbor, Pacific, Whatcom, Clark, Skagit, Wahkiakum counties in Washington, and Clatsop County in Oregon.
Net buyingInsider Activity
The most recent 11 insider filings for Pacific Financial Corporation break down as 3 sales and 8 purchases. On net that is roughly 11K shares acquired (about $12K) — insiders putting money in tends to read as conviction.
PFLC Valuation & Market Position
With a $174.42M market cap, Pacific Financial Corporation sits in the micro-cap segment of the market. Relative to its peer group, PFLC's quantitative score of 59/100 is roughly in line with the peer average of 68/100.
ROE 10%Key Financial Metrics
Return on equity for Pacific Financial Corporation stands at 9.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. PFLC trades at a trailing price-to-earnings ratio of 14.23, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.38 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
Pacific Financial Corporation's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.48 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Pacific Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Aberdeen, US. The company is led by CEO Denise J. Portmann. PFLC has traded publicly since 2005.
PFLC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established regional presence and strong community ties in Washington and Oregon since 1971.
- Diversified banking product offerings catering to both personal and business clients.
- Solid profitability metrics with an 18.6% Profit Margin and 61.1% Gross Margin.
- Offers a stable dividend yield of 3.34% and exhibits a low Beta of 0.38, suggesting lower market volatility.
Bear Case
- Smaller market capitalization of $174.42M compared to larger regional and national banks, limiting scale advantages.
- OTC Other listing tier implies lower liquidity and potentially less public disclosure compared to major exchanges.
- Reliance on the economic health and regulatory environment of its specific operating regions in Washington and Oregon.
- Potential for limited access to capital markets for expansion or strategic initiatives due to its OTC listing.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
PFLC Latest News
No recent news available for PFLC.
PFLC 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.
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
Chief Executive Officer
Denise J. Portmann serves as the Chief Executive Officer of Pacific Financial Corporation. Specific details regarding her career history, educational background, and previous roles prior to her current position are unknown from the provided information. In her capacity as CEO, she is responsible for managing the company's overall operations and strategic direction, overseeing a team of 234 employees across its various branches and offices.
Track Record: Specific key achievements, strategic decisions, or company milestones directly attributable to Denise J. Portmann's leadership are unknown from the provided data. Her role involves guiding Pacific Financial Corporation and its subsidiary, Bank of the Pacific, in delivering banking products and services across Washington and Oregon.
PFLC OTC Market Information
Pacific Financial Corporation trades on the OTC Other tier, which is the lowest and most speculative tier of the OTC Markets Group. Unlike companies listed on major exchanges like NYSE or NASDAQ, or even higher OTC tiers like OTCQX or OTCQB, companies on the OTC Other tier are not required to meet minimum financial standards or file regular reports with the SEC. This tier is typically for companies that do not qualify for or choose not to be listed on higher tiers, often due to limited public information or financial distress, making it a higher-risk segment for investors.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity and wider bid-ask spreads, making it difficult to buy or sell shares quickly and at fair prices.
- Limited public disclosure and financial transparency, as companies on this tier are not required to file regular reports with the SEC.
- Increased volatility and potential for price manipulation due to fewer market participants and less regulatory oversight.
- Difficulty in accurately valuing the stock due to information asymmetry and lack of comprehensive analyst coverage.
- Higher potential for delisting or ceasing to trade if the company fails to maintain even minimal operational status.
- Verify any available financial statements and regulatory filings, even if not SEC-mandated, directly from the company or third-party sources.
- Assess management's background, experience, and track record, as information may be less readily available.
- Thoroughly examine the company's business model, competitive landscape, and operational viability.
- Research any recent news, press releases, or shareholder communications to gauge current activities and performance.
- Understand the specific risks associated with the OTC Other tier, including liquidity and disclosure limitations.
- Evaluate the company's capital structure, debt levels, and ability to generate sustainable cash flow.
- Consider the potential for limited exit opportunities due to low trading volume and market interest.
- Established operating history since 1971, indicating longevity in the financial services sector.
- Operates a physical branch network across two states (Washington and Oregon), signifying tangible operations.
- Provides a full range of traditional banking products and services, suggesting a legitimate business model.
- Employs 234 individuals, demonstrating a substantial operational workforce.
- Maintains a defined headquarters in Aberdeen, Washington, providing a clear corporate base.
Pacific Financial Corporation Financial Services Stock: Key Questions Answered
What banking products and services does Pacific Financial Corporation offer?
Pacific Financial Corporation, through its subsidiary Bank of the Pacific, offers a comprehensive suite of banking products and services tailored for both individual consumers and businesses across Washington and Oregon. For personal banking, it provides various checking and savings accounts, certificates of deposit, individual retirement accounts, home loans, auto and recreation loans, credit cards, and home equity lines of credit. For businesses, the company offers business and commercial loans, commercial real estate loans, SBA guaranteed loans, inventory, equipment, and working capital loans, along with Visa business cards. Additionally, it provides essential services such as cash and treasury management, merchant services, and robust online and mobile banking platforms to ensure convenient and efficient financial operations for all its clients.
What regulatory considerations impact Pacific Financial Corporation's operations?
As a regional bank holding company, Pacific Financial Corporation operates within a highly regulated environment, subject to oversight by various federal and state agencies. Key regulatory considerations include maintaining adequate capital requirements, adhering to strict lending and deposit regulations, and ensuring compliance with consumer protection laws. The company must also navigate anti-money laundering (AML) and Bank Secrecy Act (BSA) requirements, along with data privacy and cybersecurity regulations. Compliance costs can be significant, impacting profitability. Changes in interest rate policies by the Federal Reserve, as well as evolving state-specific banking laws in Washington and Oregon, directly influence its operational strategies, loan pricing, and overall financial performance, requiring constant vigilance and adaptation.
How does Pacific Financial Corporation generate revenue?
Pacific Financial Corporation primarily generates revenue through two main streams: net interest income and non-interest income. Net interest income is derived from the difference between the interest earned on its diverse loan portfolio—which includes commercial, real estate, consumer, and SBA guaranteed loans—and the interest paid on deposits and other borrowings. The company attracts deposits through various checking, savings, and certificate of deposit accounts, which serve as a cost-effective funding source for its lending activities. Non-interest income is generated from service charges on deposit accounts, fees from cash and treasury management services, merchant services, and other banking-related fees. This dual revenue model provides a stable foundation for its financial performance, balancing traditional lending with fee-based services.
What are the implications of Pacific Financial Corporation's OTC Other listing for investors?
Pacific Financial Corporation's listing on the OTC Other tier carries several implications for investors. This tier is the lowest on the OTC Markets Group, meaning the company is not required to meet stringent financial reporting standards or file regular reports with the SEC, which can lead to limited public disclosure and transparency. Consequently, investors may face challenges in accessing comprehensive and timely financial information. Furthermore, stocks on the OTC Other tier typically experience significantly lower liquidity, resulting in wider bid-ask spreads and potential difficulty in executing trades at desired prices. This reduced liquidity can also contribute to higher price volatility and may deter institutional investors, making it a higher-risk investment segment compared to companies listed on major exchanges.
What are the key factors to evaluate for PFLC?
Pacific Financial Corporation (PFLC) holds an AI score of 59/100 (moderate). P/E: 14.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does PFLC data refresh on this page?
PFLC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven PFLC's recent stock price performance?
Pacific Financial Corporation (PFLC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established regional presence and strong community ties in Washington and Oregon since 1971. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PFLC overvalued or undervalued right now?
Pacific Financial Corporation (PFLC) trades at 14.2x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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.
- Growth opportunities and risks are derived from the company's stated business model and industry context.
- CEO background details are limited to provided information, with specific career history and achievements noted as unknown.
- OTC analysis is based on the provided 'OTC Other' classification and general characteristics of this market tier.