The historical rank and industry rank for Pacific Financial's FCF Margin % or its related term are showing as below:
PFLC'
s FCF Margin % Range Over the Past 10 Years
Min: -14.08 Med: 28.4 Max: 72.3
Current: 21.37
During the past 13 years, the highest FCF Margin % of Pacific Financial was 72.30%. The lowest was -14.08%. And the median was 28.40%.
PFLC's FCF Margin % is ranked worse than 56.88% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs PFLC: 21.37
Pacific Financial FCF Margin % Related Terms
Pacific Financial FCF Margin % Historical Data
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The historical data trend for Pacific Financial's FCF Margin % 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.
For the Banks - Regional subindustry, Pacific Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pacific Financial's FCF Margin % 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pacific Financial and its competitors. According to the industry distribution chart, Pacific Financial ranks #856 out of 1505 companies in the Banks industry, placing it in the top 56.9%.
Is Pacific Financial's FCF Margin % too high?
Pacific Financial's current FCF Margin % is 0.00%. Based on the distribution chart, Pacific Financial ranks #856 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to UBAB and FGFH?
According to the Banks industry distribution chart, Pacific Financial ranks #856 out of 1505 companies for FCF Margin %. This places Pacific Financial in the lower half of its industry. The industry median FCF Margin % is 26.42. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pacific Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Financial's current FCF Margin % is 0.00%. 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 $17.35 — trading 46.3% above its estimated fair value. The current FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pacific Financial (PFLC), the current FCF Margin % is 0.00% 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 $17.35 is trading 46.3% above its estimated GF Value™ of $11.86.
GuruFocus considers Pacific Financial to be Significantly Overvalued.
Key valuation signals for PFLC:
FCF Margin %: 0.00%
GF Value™: $11.86 vs. price of $17.35 (46.3% above fair value)
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.
53GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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