Pacific FinancialPFLC +0.17%53 Net Margin % is 22.95% as of Mar. 2026, which is 4% above its 10-year median of 22.17. 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 1,527 Banks companies, Pacific Financial ranks worse than 61.76% on this metric.
The historical rank and industry rank for Pacific Financial's Net Margin % or its related term are showing as below:
PFLC'
s Net Margin % Range Over the Past 10 Years
Min: 15.33 Med: 22.17 Max: 26.38
Current: 23.35
PFLC's Net Margin % is ranked worse than 61.76% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PFLC: 23.35
Pacific Financial (OTCPK:PFLC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Pacific Financial Net Margin % Related Terms
Pacific Financial Net Margin % Historical Data
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The historical data trend for Pacific Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pacific Financial's Net 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 Net Margin % of 22.95% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Pacific Financial and its competitors. This is near median its historical median of 22.17. Over the past decade, Pacific Financial's Net Margin % has ranged from 15.33 to 26.38. According to the industry distribution chart, Pacific Financial ranks #943 out of 1527 companies in the Banks industry, placing it in the top 61.8%.
Is Pacific Financial's Net Margin % too high?
Pacific Financial's current Net Margin % of 22.95% is near median its 10-year median of 22.17. Over the past 10 years, this metric has ranged from a low of 15.33 to a high of 26.38. The Banks industry median Net Margin % is 26.95. Pacific Financial's value of 22.95% is 14.8% below this industry median. Based on the distribution chart, Pacific Financial ranks #943 out of 1527 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 Net Margin % compare to UBAB and FGFH?
According to the Banks industry distribution chart, Pacific Financial ranks #943 out of 1527 companies for Net Margin %. This places Pacific Financial in the lower half of its industry. The industry median Net Margin % is 26.95. Pacific Financial's value of 22.95% is 14.8% below this benchmark. Historically, Pacific Financial's own Net Margin % has ranged from 15.33 to 26.38 over the past decade. While the company's 10-year median is 22.17 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Financial's current Net Margin % of 22.95% is 14.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pacific Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Financial's current Net Margin % is 22.95%, which is near median its own 10-year median of 22.17. 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 Net Margin % is 22.95%, which is near median its 10-year median of 22.17 and 14.8% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pacific Financial (PFLC), the current Net Margin % is 22.95% 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 $17.33 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:
Net Margin %: 22.95% (near median its 10-year median of 22.17)
GF Value™: $11.86 vs. price of $17.33 (46.1% above fair value)
Industry Position: 14.8% below the Banks median (#943 of 1527)
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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