Pacific Financial Corporation Logo

Pacific Financial Corporation

PFLC

(2.5)
Stock Price

11,50 USD

1.39% ROA

13.31% ROE

6.99x PER

Market Cap.

116.481.330,00 USD

12.57% DER

4.83% Yield

25.39% NPM

Pacific Financial Corporation Stock Analysis

Pacific Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Pacific Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (1x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (12%), which means it has a small amount of debt compared to the ownership it holds

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

The stock's ROE falls within an average range (14.93%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.3%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (39) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Pacific Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Pacific Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Pacific Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Pacific Financial Corporation Revenue
Year Revenue Growth
2002 13.847.000
2003 14.387.000 3.75%
2004 22.682.000 36.57%
2005 26.365.000 13.97%
2006 28.043.000 5.98%
2007 28.978.000 3.23%
2008 26.772.000 -8.24%
2009 28.778.000 6.97%
2010 31.330.000 8.15%
2011 31.299.000 -0.1%
2012 33.402.000 6.3%
2013 33.755.000 1.05%
2014 35.112.000 3.86%
2015 38.938.000 9.83%
2016 42.888.000 9.21%
2017 44.572.000 3.78%
2018 47.501.000 6.17%
2019 52.537.000 9.59%
2020 57.340.000 8.38%
2021 52.634.000 -8.94%
2022 48.173.000 -9.26%
2023 55.560.000 13.3%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Pacific Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Pacific Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 4.196.000
2003 4.764.000 11.92%
2004 8.134.000 41.43%
2005 10.073.000 19.25%
2006 10.609.000 5.05%
2007 12.280.000 13.61%
2008 12.381.000 0.82%
2009 14.804.000 16.37%
2010 14.777.000 -0.18%
2011 16.549.000 10.71%
2012 18.432.000 10.22%
2013 19.816.000 6.98%
2014 19.618.000 -1.01%
2015 21.477.000 8.66%
2016 23.387.000 8.17%
2017 23.294.000 -0.4%
2018 24.492.000 4.89%
2019 25.568.000 4.21%
2020 30.225.000 15.41%
2021 30.824.000 1.94%
2022 26.264.000 -17.36%
2023 23.416.000 -12.16%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Pacific Financial Corporation EBITDA
Year EBITDA Growth
2002 9.903.000
2003 10.254.000 3.42%
2004 13.430.000 23.65%
2005 17.173.000 21.8%
2006 23.134.000 25.77%
2007 25.226.000 8.29%
2008 13.992.000 -80.29%
2009 1.821.000 -668.37%
2010 10.896.000 83.29%
2011 10.212.000 -6.7%
2012 11.060.000 7.67%
2013 9.521.000 -16.16%
2014 11.320.000 15.89%
2015 12.559.000 9.87%
2016 14.244.000 11.83%
2017 16.681.000 14.61%
2018 19.266.000 13.42%
2019 19.056.000 -1.1%
2020 16.431.000 -15.98%
2021 18.637.000 11.84%
2022 17.762.000 -4.93%
2023 18.188.000 2.34%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Pacific Financial Corporation Gross Profit
Year Gross Profit Growth
2002 13.847.000
2003 14.387.000 3.75%
2004 22.682.000 36.57%
2005 26.365.000 13.97%
2006 28.043.000 5.98%
2007 28.978.000 3.23%
2008 26.772.000 -8.24%
2009 28.778.000 6.97%
2010 31.330.000 8.15%
2011 31.299.000 -0.1%
2012 33.402.000 6.3%
2013 33.755.000 1.05%
2014 34.874.000 3.21%
2015 38.938.000 10.44%
2016 42.888.000 9.21%
2017 44.572.000 3.78%
2018 47.501.000 6.17%
2019 52.537.000 9.59%
2020 57.340.000 8.38%
2021 52.634.000 -8.94%
2022 48.173.000 -9.26%
2023 55.560.000 13.3%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Pacific Financial Corporation Net Profit
Year Net Profit Growth
2002 3.916.000
2003 4.579.000 14.48%
2004 5.707.000 19.77%
2005 6.046.000 5.61%
2006 6.551.000 7.71%
2007 6.031.000 -8.62%
2008 951.000 -534.17%
2009 -6.338.000 115%
2010 1.634.000 487.88%
2011 2.818.000 42.02%
2012 4.914.000 42.65%
2013 3.731.000 -31.71%
2014 4.927.000 24.27%
2015 5.576.000 11.64%
2016 6.590.000 15.39%
2017 6.963.000 5.36%
2018 11.330.000 38.54%
2019 13.758.000 17.65%
2020 11.384.000 -20.85%
2021 12.697.000 10.34%
2022 10.888.000 -16.61%
2023 14.580.000 25.32%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Pacific Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 -1 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Pacific Financial Corporation Free Cashflow
Year Free Cashflow Growth
2002 5.098.000
2003 4.458.000 -14.36%
2004 3.677.000 -21.24%
2005 -5.391.000 168.21%
2006 1.227.000 539.36%
2007 437.000 -180.78%
2008 3.411.000 87.19%
2009 -2.594.000 231.5%
2010 10.406.000 124.93%
2011 4.676.000 -122.54%
2012 4.396.000 -6.37%
2013 10.228.000 57.02%
2014 10.512.000 2.7%
2015 -4.055.000 359.24%
2016 13.360.000 130.35%
2017 15.511.000 13.87%
2018 14.882.000 -4.23%
2019 9.873.000 -50.73%
2020 -8.074.000 222.28%
2021 38.055.000 121.22%
2022 24.200.000 -57.25%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Pacific Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
2002 5.359.000
2003 4.969.000 -7.85%
2004 6.056.000 17.95%
2005 -1.014.000 697.24%
2006 3.941.000 125.73%
2007 5.438.000 27.53%
2008 5.676.000 4.19%
2009 -2.042.000 377.96%
2010 10.876.000 118.78%
2011 5.695.000 -90.97%
2012 5.240.000 -8.68%
2013 12.956.000 59.56%
2014 11.360.000 -14.05%
2015 -3.837.000 396.06%
2016 16.373.000 123.43%
2017 16.753.000 2.27%
2018 15.973.000 -4.88%
2019 11.246.000 -42.03%
2020 -7.377.000 252.45%
2021 38.652.000 119.09%
2022 25.374.000 -52.33%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Pacific Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
2002 261.000
2003 511.000 48.92%
2004 2.379.000 78.52%
2005 4.377.000 45.65%
2006 2.714.000 -61.27%
2007 5.001.000 45.73%
2008 2.265.000 -120.79%
2009 552.000 -310.33%
2010 470.000 -17.45%
2011 1.019.000 53.88%
2012 844.000 -20.73%
2013 2.728.000 69.06%
2014 848.000 -221.7%
2015 218.000 -288.99%
2016 3.013.000 92.76%
2017 1.242.000 -142.59%
2018 1.091.000 -13.84%
2019 1.373.000 20.54%
2020 697.000 -96.99%
2021 597.000 -16.75%
2022 1.174.000 49.15%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Pacific Financial Corporation Equity
Year Equity Growth
2002 24.683.000
2003 25.650.000 3.77%
2004 45.303.000 43.38%
2005 46.600.000 2.78%
2006 48.984.000 4.87%
2007 50.699.000 3.38%
2008 50.074.000 -1.25%
2009 57.649.000 13.14%
2010 59.769.000 3.55%
2011 63.270.000 5.53%
2012 66.850.000 5.36%
2013 67.137.000 0.43%
2014 72.634.000 7.57%
2015 76.285.000 4.79%
2016 80.005.000 4.65%
2017 85.031.000 5.91%
2018 92.483.000 8.06%
2019 105.293.000 12.17%
2020 114.186.000 7.79%
2021 117.642.000 2.94%
2022 103.162.000 -14.04%
2023 106.601.000 3.23%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Pacific Financial Corporation Assets
Year Assets Growth
2002 268.534.000
2003 306.715.000 12.45%
2004 441.791.000 30.57%
2005 489.409.000 9.73%
2006 562.384.000 12.98%
2007 565.587.000 0.57%
2008 625.835.000 9.63%
2009 668.626.000 6.4%
2010 644.403.000 -3.76%
2011 641.254.000 -0.49%
2012 643.723.000 0.38%
2013 705.039.000 8.7%
2014 745.533.000 5.43%
2015 824.613.000 9.59%
2016 891.383.000 7.49%
2017 894.953.000 0.4%
2018 907.929.000 1.43%
2019 929.414.000 2.31%
2020 1.167.293.000 20.38%
2021 1.319.966.000 11.57%
2022 1.306.203.000 -1.05%
2023 1.181.975.000 -10.51%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Pacific Financial Corporation Liabilities
Year Liabilities Growth
2002 243.851.000
2003 281.065.000 13.24%
2004 396.488.000 29.11%
2005 442.809.000 10.46%
2006 513.400.000 13.75%
2007 514.888.000 0.29%
2008 575.761.000 10.57%
2009 610.977.000 5.76%
2010 584.634.000 -4.51%
2011 577.984.000 -1.15%
2012 576.873.000 -0.19%
2013 637.902.000 9.57%
2014 672.899.000 5.2%
2015 748.328.000 10.08%
2016 811.378.000 7.77%
2017 809.922.000 -0.18%
2018 815.446.000 0.68%
2019 17.907.000 -4453.78%
2020 15.903.000 -12.6%
2021 15.288.000 -4.02%
2022 14.552.000 -5.06%
2023 1.075.374.000 98.65%

Pacific Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.44
Net Income per Share
1.57
Price to Earning Ratio
6.99x
Price To Sales Ratio
2.05x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.07
EV to Sales
-0.51
EV Over EBITDA
-1.36
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.14
FreeCashFlow Yield
0
Market Cap
0,12 Bil.
Enterprise Value
-0,03 Bil.
Graham Number
19.01
Graham NetNet
-87.89

Income Statement Metrics

Net Income per Share
1.57
Income Quality
0
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.81
EBT Per Ebit
1.2
Ebit per Revenue
0.26
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.45
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.26
Pretax Profit Margin
0.31
Net Profit Margin
0.25

Dividends

Dividend Yield
0.05
Dividend Yield %
4.83
Payout Ratio
0
Dividend Per Share
0.53

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.14
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
15,24
Book Value per Share
10,22
Tangible Book Value per Share
10.22
Shareholders Equity per Share
10.22
Interest Debt per Share
1.72
Debt to Equity
0.13
Debt to Assets
0.01
Net Debt to EBITDA
-6.79
Current Ratio
14.83
Tangible Asset Value
0,11 Bil.
Net Current Asset Value
-0,92 Bil.
Invested Capital
0.13
Working Capital
0,15 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0.12

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Pacific Financial Corporation Dividends
Year Dividends Growth
2005 1
2006 1 0%
2007 1 0%
2008 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%

Pacific Financial Corporation Profile

About Pacific Financial Corporation

Pacific Financial Corporation operates as the bank holding company for Bank of the Pacific that provides various banking products and services in Washington and Oregon. The company offers personal and business checking, and savings accounts; certificates of deposit, individual retirement accounts, and other investment options; home loans; and auto and recreation loans, credit cards, and home equity line of credit. It also provides business and commercial loans, commercial real estate loans, and SBA guaranteed loans, as well as inventory, equipment, and working capital loans; Visa business cards; and cash/treasury management, merchant, and online and mobile banking services. The company operates fourteen branches in the communities of Grays Harbor, Pacific, Whatcom, Clark, Skagit, and Wahkiakum counties in the state of Washington; and two branches in Clatsop County, Oregon. It also operates three loan production offices in the communities of Burlington, Washington and Salem and Eugene, Oregon. The company was founded in 1971 and is headquartered in Aberdeen, Washington.

CEO
Ms. Denise J. Portmann
Employee
234
Address
1216 Skyview Drive
Aberdeen, 98520

Pacific Financial Corporation Executives & BODs

Pacific Financial Corporation Executives & BODs
# Name Age
1 Ms. Denise J. Portmann
President, Chief Executive Officer & Director
70
2 Ms. Carla F. Tucker
Executive Vice President & Chief Financial Officer
70
3 Ms. Terri McKinnis
Executive Vice President & Chief Operating Officer
70

Pacific Financial Corporation Competitors