Pacific FinancialPFLC +0.17%53 Piotroski F-Score is 9 as of Jun. 24, 2026, which is 50% above its 10-year median of 6.00. 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. Among 1,498 Banks companies, Pacific Financial ranks better than 99.93% on this metric.
Good Sign:
Piotroski F-Score is 9, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Pacific Financial has an F-score of 9. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for Pacific Financial's Piotroski F-Score or its related term are showing as below:
PFLC'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 6 Max: 9
Current: 9
During the past 13 years, the highest Piotroski F-Score of Pacific Financial was 9. The lowest was 3. And the median was 6.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Pacific Financial Piotroski F-Score Related Terms
Pacific Financial Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Pacific Financial's Piotroski F-Score 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 UBAB, FGFH, HNVR: Piotroski F-Score Comparison
For the Banks - Regional subindustry, Pacific Financial's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Financial's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Pacific Financial's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Pacific Financial's current Net Income (TTM) was 11.65.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Pacific Financial's return on assets of this year was 0.01009481. Pacific Financial's return on assets of last year was 0.00829664.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Pacific Financial's gearing of this year was 0.0138528. Pacific Financial's gearing of last year was 0.01515161.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Pacific Financial's current ratio of this year was 1.11002624. Pacific Financial's current ratio of last year was 1.10950777.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Pacific Financial's number of shares in issue this year was 10.039. Pacific Financial's number of shares in issue last year was 10.361.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Pacific Financial's net margin of this year was 0.21730611. Pacific Financial's net margin of last year was 0.18656541.
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Pacific Financial's asset turnover of this year was 0.04645433. Pacific Financial's asset turnover of last year was 0.0444704.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
1
+
1
+
1
+
1
+
1
+
1
+
1
+
1
+
1
=
9
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Pacific Financial has an F-score of 9. It is a good or high score, which usually indicates a very healthy situation.
Pacific Financial (PFLC) has a Piotroski F-Score of 9 as of Jun. 24, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Pacific Financial and its competitors. This is 50% above median its historical median of 6.00. Over the past decade, Pacific Financial's Piotroski F-Score has ranged from 3.00 to 9.00. According to the industry distribution chart, Pacific Financial ranks #1 out of 1498 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Pacific Financial's Piotroski F-Score too high?
Pacific Financial's current Piotroski F-Score of 9 is 50% above median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 9.00. The Banks industry median Piotroski F-Score is 6.00. Pacific Financial's value of 9 is 50% above this industry median. Based on the distribution chart, Pacific Financial ranks #1 out of 1498 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 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Financial's Piotroski F-Score compare to UBAB and FGFH?
According to the Banks industry distribution chart, Pacific Financial ranks #1 out of 1498 companies for Piotroski F-Score. This places Pacific Financial in the top 0% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 6.00. Pacific Financial's value of 9 is 50% above this benchmark. Historically, Pacific Financial's own Piotroski F-Score has ranged from 3.00 to 9.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 6.00, Pacific Financial has consistently been above 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Financial's current Piotroski F-Score of 9 is 50% above 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Pacific Financial and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Financial's current Piotroski F-Score is 9, which is 50% above median its own 10-year median of 6.00. 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 $17.33 — trading 46.1% above its estimated fair value. The current Piotroski F-Score is 9, which is 50% above median its 10-year median of 6.00 and 50% above the Banks industry median of 6.00. 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 Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Pacific Financial (PFLC), the current Piotroski F-Score is 9 as of Jun. 24, 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 $17.33 is trading 46.1% above its estimated GF Value™ of $11.86.
GuruFocus considers Pacific Financial to be Significantly Overvalued.
Key valuation signals for PFLC:
Piotroski F-Score: 9 (50% above median its 10-year median of 6.00)
GF Value™: $11.86 vs. price of $17.33 (46.1% above fair value)
Industry Position: 50% above the Banks median (#1 of 1498)
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
Get the complete analysis for PFLC
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PFLC has been successfully added to your 
