PFLC (Pacific Financial) EPS (Basic): $1.23 (TTM As of Mar. 2026)


PFLC Pacific Financial Corp PFLC
53 GF Score
Price $17.39
GF Value $11.86
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pacific Financial EPS (Basic)?

Pacific Financial PFLC +0.52% 53 EPS (Basic) is $1.23 as of Mar. 2026. GuruFocus rates PFLC with a GF Score™ of 53/100 and a GF Value™ of $11.86 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Pacific Financial's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $0.30. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.23.

Pacific Financial's EPS (Diluted) for the three months ended in Mar. 2026 was $0.30. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.23.

Pacific Financial's EPS without NRI for the three months ended in Mar. 2026 was $0.30. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 1.23.

During the past 12 months, Pacific Financial's average EPS without NRIGrowth Rate was 35.20% per year. During the past 3 years, the average EPS without NRI Growth Rate was 3.70% per year. During the past 5 years, the average EPS without NRI Growth Rate was -0.40% per year. During the past 10 years, the average EPS without NRI Growth Rate was 7.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Pacific Financial's highest 3-Year average EPS without NRI Growth Rate was 58.70% per year. The lowest was -46.00% per year. And the median was 9.60% per year.

Pacific Financial  (OTCPK:PFLC) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Pacific Financial EPS (Basic) Related Terms

Pacific Financial EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Pacific Financial's EPS (Basic) 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.

Pacific Financial EPS (Basic) Chart

Pacific Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.22 1.05 1.40 0.93 1.16

Pacific Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.24 0.27 0.35 0.31 0.30
PFLC
53GF Score
Pacific Financial Corp PFLC
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Pacific Financial EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Pacific Financial's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(11.645-0)/10.039
=1.16

Pacific Financial's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(3.05-0)/10.167
=0.30

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.23

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $1.23 mean?
Pacific Financial (PFLC) has a EPS (Basic) of $1.23 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Pacific Financial and its competitors.
Is Pacific Financial's EPS (Basic) too high?
Pacific Financial's current EPS (Basic) is $1.23. Overall, Pacific Financial has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Financial's EPS (Basic) compare to UBAB and FGFH?
Pacific Financial's EPS (Basic) of $1.23 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Pacific Financial and its competitors. Pacific Financial's current EPS (Basic) is $1.23. 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 $11.86, compared to a current price of $17.39 — trading 46.6% above its estimated fair value. The current EPS (Basic) is $1.23. Pacific Financial's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Pacific Financial (PFLC), the current EPS (Basic) is $1.23 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 $17.39 is trading 46.6% above its estimated GF Value™ of $11.86. GuruFocus considers Pacific Financial to be Significantly Overvalued.

Key valuation signals for PFLC:

  • EPS (Basic): $1.23
  • GF Value™: $11.86 vs. price of $17.39 (46.6% above fair value)
  • GF Score™: 53/100 with 6 warning signs

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 Business Description

Address 1216 Skyview Drive, Aberdeen, WA, USA, 98520
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.
53GF Score

Get the complete analysis for PFLC

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.39
Price
$11.86
GF Value