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OTCMPFLC
Market cap126mUSD
Jan 28, Last price  
12.20USD
1D
0.01%
1Q
2.18%
Name

Pacific Financial Corp

Chart & Performance

D1W1MN
OTCM:PFLC chart
P/E
8.63
P/S
2.28
EPS
1.41
Div Yield, %
3.44%
Shrs. gr., 5y
-0.46%
Rev. gr., 5y
3.11%
Revenues
55m
+14.94%
22,682,00026,365,00028,043,00028,978,00026,772,00028,778,00031,330,00031,299,00033,402,00033,755,00035,112,00038,938,00042,888,00044,572,00047,501,00052,537,00057,340,00052,634,00048,173,00055,372,000
Net income
15m
+34.14%
5,707,0006,046,0006,551,0006,031,000951,000-6,338,0001,634,0002,818,0004,914,0003,731,0004,927,0005,576,0006,590,0006,963,00011,330,00013,758,00011,384,00012,697,00010,888,00014,605,000
CFO
16m
-35.82%
6,056,000-1,014,0003,941,0005,438,0005,676,000-2,042,00010,876,0005,695,0005,240,00012,956,00011,360,0001,853,00016,373,00016,753,00015,973,00011,246,000-7,377,00038,652,00025,374,00016,285,000
Dividend
Aug 09, 20240.14 USD/sh
Earnings
Apr 24, 2025

Profile

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.
URL
https://ir.bankofthepacific.com/corporate-information/corporate-profile/default.aspx
IPO date
Nov 06, 2003
Employees
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
55,372
14.94%
48,173
-8.48%
Cost of revenue
21,382
26,664
Unusual Expense (Income)
NOPBT
33,990
21,509
NOPBT Margin
61.38%
44.65%
Operating Taxes
3,391
2,311
Tax Rate
9.98%
10.74%
NOPAT
30,599
19,198
Net income
14,605
34.14%
10,888
-14.25%
Dividends
(5,524)
(5,407)
Dividend yield
4.95%
4.85%
Proceeds from repurchase of equity
(399)
28
BB yield
0.36%
-0.03%
Debt
Debt current
561
Long-term debt
18,537
15,701
Deferred revenue
11,311
Other long-term liabilities
177,324
(14,552)
Net debt
(182,525)
(817,888)
Cash flow
Cash from operating activities
16,285
25,374
CAPEX
(1,347)
(1,174)
Cash from investing activities
(46,675)
(93,144)
Cash from financing activities
(177,025)
(4,360)
FCF
(415,689)
49,750
Balance
Cash
106,821
545,270
Long term investments
94,241
288,880
Excess cash
198,293
831,741
Stockholders' equity
72,898
61,097
Invested Capital
1,076,001
252,328
ROIC
4.61%
7.57%
ROCE
2.96%
6.79%
EV
Common stock shares outstanding
10,429
10,423
Price
10.70
0.00%
10.70
-6.14%
Market cap
111,592
0.06%
111,529
-6.30%
EV
(70,933)
(706,359)
EBITDA
35,325
24,866
EV/EBITDA
Interest
6,280
1,206
Interest/NOPBT
18.48%
5.61%