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Pacific Financial Corporation PFLC

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Price alert · PFLC

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18.38 USD 0.00 0.00%

At close · Aug 31

18.29 Day range 18.38
11.40 52-week range 19.25
YTD
+44.16%
1 year
+70.82%
Open
18.30
Prev close
18.38
Mkt cap
184.24M
Vol
15.53K
Avg vol
16.71K
EPS
1.23
P/E
14.92
More statistics
Low
18.29
High
18.38

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Financial health

Altman Z-Score

0.21 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 11.0×
FY 2016: 15.6×FY 2017: 15.4×FY 2018: 10.5×FY 2019: 9.8×FY 2020: 8.7×FY 2021: 9.3×FY 2022: 10.2×FY 2023: 7.6×FY 2024: 13.5×FY 2025: 11.0×
FY 2016 5y median 10.2× FY 2025
P/S 1.9×
FY 2016: 2.3×FY 2017: 2.3×FY 2018: 2.4×FY 2019: 2.4×FY 2020: 1.7×FY 2021: 2.2×FY 2022: 2.3×FY 2023: 1.8×FY 2024: 2.5×FY 2025: 1.9×
FY 2016 5y median 2.2× FY 2025
P/B 1.0×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 1.3×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 11.2×
FY 2016: 7.8×FY 2017: 6.9×FY 2018: 8.0×FY 2019: 13.7×FY 2020: -12.3×FY 2021: 3.1×FY 2022: 4.6×FY 2023: 7.7×FY 2024: 24.5×FY 2025: 11.2×
FY 2016 5y median 7.7× FY 2025
EV/EBITDA 1.7×
FY 2016: 5.4×FY 2017: 6.6×FY 2018: 6.9×FY 2019: 6.0×FY 2020: -4.9×FY 2021: -11.0×FY 2022: -11.6×FY 2023: 1.0×FY 2024: 10.9×FY 2025: 1.7×
FY 2016 5y median 1.0× FY 2025
EV/Sales 0.4×
FY 2016: 1.4×FY 2017: 2.0×FY 2018: 2.3×FY 2019: 2.0×FY 2020: -1.4×FY 2021: -3.8×FY 2022: -3.9×FY 2023: 0.3×FY 2024: 2.5×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
FCF Yield 8.9%
FY 2016: 12.8%FY 2017: 14.4%FY 2018: 12.5%FY 2019: 7.3%FY 2020: -8.1%FY 2021: 32.1%FY 2022: 21.8%FY 2023: 13.0%FY 2024: 4.1%FY 2025: 8.9%
FY 2016 5y median 13.0% FY 2025

Profitability

Gross Margin 81.3%
FY 2016: 92.4%FY 2017: 94.3%FY 2018: 94.8%FY 2019: 94.7%FY 2020: 90.2%FY 2021: 104.4%FY 2022: 97.6%FY 2023: 89.0%FY 2024: 100.0%FY 2025: 81.3%
FY 2016 5y median 97.6% FY 2025
Operating Margin 22.3%
FY 2016: 19.9%FY 2017: 24.1%FY 2018: 27.4%FY 2019: 30.6%FY 2020: 23.9%FY 2021: 28.9%FY 2022: 26.7%FY 2023: 29.2%FY 2024: 30.5%FY 2025: 22.3%
FY 2016 5y median 28.9% FY 2025
Net Margin 17.9%
FY 2016: 14.5%FY 2017: 14.8%FY 2018: 22.6%FY 2019: 24.8%FY 2020: 19.1%FY 2021: 23.6%FY 2022: 22.0%FY 2023: 23.7%FY 2024: 18.7%FY 2025: 17.9%
FY 2016 5y median 22.0% FY 2025
ROE 9.2%
FY 2016: 8.2%FY 2017: 8.2%FY 2018: 12.3%FY 2019: 13.1%FY 2020: 10.0%FY 2021: 10.8%FY 2022: 10.6%FY 2023: 12.7%FY 2024: 8.4%FY 2025: 9.2%
FY 2016 5y median 10.6% FY 2025
ROIC 7.7%
FY 2016: 7.1%FY 2017: 6.5%FY 2018: 9.9%FY 2019: 5.0%FY 2020: 8.7%FY 2021: 9.6%FY 2022: 9.2%FY 2023: 10.4%FY 2024: 4.8%FY 2025: 7.7%
FY 2016 5y median 9.2% FY 2025
ROA 0.9%
FY 2016: 0.7%FY 2017: 0.8%FY 2018: 1.2%FY 2019: 1.5%FY 2020: 1.0%FY 2021: 1.0%FY 2022: 0.8%FY 2023: 1.3%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 28.1%
FY 2016: 10.8%FY 2017: 3.3%FY 2018: 6.7%FY 2019: 10.7%FY 2020: 7.7%FY 2021: -9.8%FY 2022: -8.4%FY 2023: 24.9%FY 2024: -17.4%FY 2025: 28.1%
FY 2016 FY 2025
Operating Income -6.4%
FY 2016: 20.7%FY 2017: 25.1%FY 2018: 21.1%FY 2019: 23.9%FY 2020: -16.1%FY 2021: 9.4%FY 2022: -15.3%FY 2023: 36.3%FY 2024: -13.8%FY 2025: -6.4%
FY 2016 FY 2025
EPS (diluted) 26.1%
FY 2016: 17.0%FY 2017: 4.8%FY 2018: 63.1%FY 2019: 21.7%FY 2020: -17.1%FY 2021: 14.0%FY 2022: -14.8%FY 2023: 34.6%FY 2024: -34.3%FY 2025: 26.1%
FY 2016 FY 2025
Free Cash Flow 114.4%
FY 2016: 1206.5%FY 2017: 17.7%FY 2018: -4.1%FY 2019: -33.7%FY 2020: -181.8%FY 2021: 571.3%FY 2022: -36.4%FY 2023: -40.2%FY 2024: -63.7%FY 2025: 114.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 19.2×FY 2020: 0.3×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 30.3×FY 2020: 0.3×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -7.0×
FY 2016: -3.4×FY 2017: -1.0×FY 2018: -0.2×FY 2019: -1.2×FY 2020: -11.0×FY 2021: -17.4×FY 2022: -18.4×FY 2023: -4.8×FY 2024: -0.1×FY 2025: -7.0×
FY 2016 5y median -7.0× FY 2025
Interest Coverage 1.2×
FY 2016: 3.7×FY 2017: 4.7×FY 2018: 5.3×FY 2019: 5.8×FY 2020: 6.0×FY 2021: 12.4×FY 2022: 10.9×FY 2023: 2.9×FY 2024: 1.4×FY 2025: 1.2×
FY 2016 5y median 2.9× FY 2025

Dividends

Dividend Yield 4.5%
FY 2016: 2.2%FY 2017: 2.2%FY 2018: 2.2%FY 2019: 4.8%FY 2020: 4.1%FY 2021: 4.6%FY 2022: 4.9%FY 2023: 5.0%FY 2024: 4.5%FY 2025: 4.5%
FY 2016 5y median 4.6% FY 2025
Payout Ratio 48.2%
FY 2016: 34.7%FY 2017: 34.4%FY 2018: 23.1%FY 2019: 46.9%FY 2020: 35.3%FY 2021: 42.7%FY 2022: 49.7%FY 2023: 37.8%FY 2024: 60.6%FY 2025: 48.2%
FY 2016 5y median 48.2% FY 2025

Annual · latest fiscal year ends 2025-12-31