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Market cap is the total market value to buy the whole company. It is equal to the share price times the number of Shares Outstanding (EOP). Pacific Financial's share price for the quarter that ended in Mar. 2026 was $12.98. Pacific Financial's Shares Outstanding (EOP) for the quarter that ended in Mar. 2026 was 10.02 Mil. Therefore, Pacific Financial's market cap for the quarter that ended in Mar. 2026 was $130.11 Mil.
Pacific Financial's quarterly market cap
increased
from Sep. 2025 ($116.11 Mil) to Dec. 2025 ($127.76 Mil) and
increased
from Dec. 2025 ($127.76 Mil) to Mar. 2026 ($130.11 Mil).
Pacific Financial's annual market cap
increased
from Dec. 2023 ($111.16 Mil) to Dec. 2024 ($125.87 Mil) and
increased
from Dec. 2024 ($125.87 Mil) to Dec. 2025 ($127.76 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. Pacific Financial's Enterprise Value for Today is $100.03 Mil.
Pacific Financial (OTCPK:PFLC) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
Pacific Financial Market Cap Related Terms
Pacific Financial Market Cap Historical Data
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The historical data trend for Pacific Financial's Market Cap 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Financial's Market Cap distribution charts can be found below:
* The bar in red indicates where Pacific Financial's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
Pacific Financial's Market Cap for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Market Cap of $180.93 Mil as of Aug. 01, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Pacific Financial and its competitors. According to the industry distribution chart, Pacific Financial ranks #1101 out of 1543 companies in the Banks industry, placing it in the top 71.4%.
Is Pacific Financial's Market Cap too high?
Pacific Financial's current Market Cap is $180.93 Mil. The Banks industry median Market Cap is 727.13. Pacific Financial's value of $180.93 Mil is 75.1% below this industry median. Based on the distribution chart, Pacific Financial ranks #1101 out of 1543 companies in the Banks industry, which is below the industry midpoint. 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 Market Cap compare to TRCY and HNVR?
According to the Banks industry distribution chart, Pacific Financial ranks #1101 out of 1543 companies for Market Cap. This places Pacific Financial in the lower half of its industry. The industry median Market Cap is 727.13. Pacific Financial's value of $180.93 Mil is 75.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 727.13, based on 1,543 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Financial's current Market Cap of $180.93 Mil is 75.1% 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Pacific Financial and its competitors. For the Banks industry, the median Market Cap is 727.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Financial's current Market Cap is $180.93 Mil. 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 Market Cap is $180.93 Mil and 75.1% below the Banks industry median of 727.13. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Pacific Financial (PFLC), the current Market Cap is $180.93 Mil as of Aug. 01, 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:
Market Cap: $180.93 Mil
GF Value™: $11.92 vs. price of $18.05 (51.4% above fair value)
Industry Position: 75.1% below the Banks median (#1101 of 1543)
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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