Pacific Financial Corp.PP

Pacific Financial Corp.

11.65USDD
−0.03−0.30%
At close at Mar 7, 19:50 GMT
USD
No trades
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PFLC fundamentals

Key facts

Market capitalization‪120.34 M‬USD
Founded1997
CEODenise J. Portmann
About

Pacific Financial Corp. is a bank holding company which engages in the provision of banking products and services to small and medium-sized business and professionals through the Bank of the Pacific. The firm's personal and business deposit products include demand accounts, negotiable order of withdrawal accounts, money market investment accounts, savings accounts, and time deposits. Its loan products portfolio consists of commercial and agricultural loans, business term loans, consumer installment loans, home equity loans, auto and boat loans, personal lines of credit, and real estate and residential mortgage loans. The company was founded on February 12, 1997 and is headquartered in Aberdeen, WA.

Ownership
‪‪10.33 M‬‬
Free Float shares
‪‪10.29 M‬‬ (99.66%)
Closely held shares
‪‪34.97 K‬‬ (0.34%)
Free Float shares
‪‪10.29 M‬‬ (99.66%)
Closely held shares
‪‪34.97 K‬‬ (0.34%)
Capital structure
Market cap
‪‪120.34 M‬‬
Debt
‪‪13.40 M‬‬
Cash & equivalents
‪‪18.14 M‬‬
Enterprise value
‪‪115.61 M‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪120.34 M‬‬
Price to earning ratio (P/E)
12.65x
Price to sales ratio (P/S)
1.91x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
12.65x
Price to sales ratio (P/S)
1.91x
Valuation ratios
‪0.00‬
‪0.55‬
‪1.10‬
‪1.65‬
‪2.20‬
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪3.50‬
‪7.00‬
‪10.50‬
‪14.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪10.0%‬
‪12.5%‬
‪15.0%‬
‪17.5%‬
‪20.0%‬
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪‪4.00 M‬‬
‪‪8.00 M‬‬
‪‪12.00 M‬‬
‪‪16.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪4.00 M‬‬
‪‪8.00 M‬‬
‪‪12.00 M‬‬
‪‪16.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪4.00 M‬‬
‪‪8.00 M‬‬
‪‪12.00 M‬‬
‪‪16.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Banking and Related Activities
By country
Period: 2024
United States

Dividends

Dividend yield, history and sustainability

Dividend summary
60.63%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
4.79%
Last payment
0.14
Last ex-date
Feb 14, 2025
Dividend history
‪4.00%‬
‪4.25%‬
‪4.50%‬
‪4.75%‬
‪5.00%‬
2020
2021
2022
2023
2024
‪0.00‬
‪0.15‬
‪0.30‬
‪0.45‬
‪0.60‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪‪−350.00 M‬‬
‪0.00‬
‪‪350.00 M‬‬
‪‪700.00 M‬‬
‪‪1.05 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪5.00‬
‪10.00‬
‪15.00‬
‪20.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio