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Pacific FinancialPFLC +0.28%51 Debt-to-Equity is 0.11 as of Mar. 2026, which is 15% below its 10-year median of 0.13. GuruFocus rates PFLC with a GF Score™ of 51/100 and a GF Value™ of $11.92 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, Pacific Financial ranks better than 87.33% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Pacific Financial's Debt-to-Equity or its related term are showing as below:
PFLC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 0.13 Max: 0.28
Current: 0.11
During the past 13 years, the highest Debt-to-Equity Ratio of Pacific Financial was 0.28. The lowest was 0.11. And the median was 0.13.
PFLC's Debt-to-Equity is ranked better than 87.33% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs PFLC: 0.11
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Pacific Financial Debt-to-Equity Related Terms
Pacific Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Pacific Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PFLC vs TRCY, HNVR, BVFL: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Pacific Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pacific Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Pacific Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pacific Financial (PFLC) has a Debt-to-Equity of 0.11 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pacific Financial and its competitors. This is 15% below median its historical median of 0.13. Over the past decade, Pacific Financial's Debt-to-Equity has ranged from 0.11 to 0.28. According to the industry distribution chart, Pacific Financial ranks #180 out of 1421 companies in the Banks industry, placing it in the top 12.7%.
Is Pacific Financial's Debt-to-Equity too high?
Pacific Financial's current Debt-to-Equity of 0.11 is 15% below median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.28. The Banks industry median Debt-to-Equity is 0.58. Pacific Financial's value of 0.11 is 81% below this industry median. Based on the distribution chart, Pacific Financial ranks #180 out of 1421 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pacific Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Financial's Debt-to-Equity compare to TRCY and HNVR?
According to the Banks industry distribution chart, Pacific Financial ranks #180 out of 1421 companies for Debt-to-Equity. This places Pacific Financial in the top 13% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Pacific Financial's value of 0.11 is 81% below this benchmark. Historically, Pacific Financial's own Debt-to-Equity has ranged from 0.11 to 0.28 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.58, Pacific Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Financial's current Debt-to-Equity of 0.11 is 81% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pacific Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Financial's current Debt-to-Equity is 0.11, which is 15% below median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Financial stock overvalued right now?
Based on GuruFocus' analysis, Pacific Financial (PFLC) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.92, compared to a current price of $18.05 — trading 51.4% above its estimated fair value. The current Debt-to-Equity is 0.11, which is 15% below median its 10-year median of 0.13 and 81% below the Banks industry median of 0.58. Pacific Financial's overall GF Score™ is 51/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Pacific Financial (PFLC), the current Debt-to-Equity is 0.11 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pacific Financial (PFLC) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Financial stock appears to be overvalued.
The current stock price of $18.05 is trading 51.4% above its estimated GF Value™ of $11.92.
GuruFocus considers Pacific Financial to be Significantly Overvalued.
Key valuation signals for PFLC:
Debt-to-Equity: 0.11 (15% below median its 10-year median of 0.13)
GF Value™: $11.92 vs. price of $18.05 (51.4% above fair value)
Industry Position: 81% below the Banks median (#180 of 1421)
No single metric tells the full story. See the PFLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Financial Corp is active in the financial services domain as a bank holding company of the Bank of the Pacific, based in the United States. Its business also includes loan production and real estate mortgage provision. Its commercial banking division caters through services such as business checking, business savings and certificates of deposits, business loans, treasury management, and commercial real estate loans, while its personal banking services comprise of checking solutions, savings solutions, consumer loans, and lines of credit. The banking operations are conducted through a single business segment, Community Banking. Loans, investments, and deposits provide the revenues in the community banking operations.
51GF Score
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