PFLC (Pacific Financial) Dividend Payout Ratio: 0.50 (As of Mar. 2026) — 32% Above Median

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PFLC Pacific Financial Corp PFLC
51 GF Score
Price $18.05
GF Value $11.92
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Pacific Financial Dividend Payout Ratio?

Pacific Financial PFLC +0.28% 51 Dividend Payout Ratio is 0.50 as of Mar. 2026, which is 32% above its 10-year median of 0.38. GuruFocus rates PFLC with a GF Score™ of 51/100 and a GF Value™ of $11.92 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,173 Banks companies, Pacific Financial ranks worse than 71.61% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Pacific Financial's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.50.

The historical rank and industry rank for Pacific Financial's Dividend Payout Ratio or its related term are showing as below:

PFLC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24   Med: 0.38   Max: 0.61
Current: 0.46

During the past 13 years, the highest Dividend Payout Ratio of Pacific Financial was 0.61. The lowest was 0.24. And the median was 0.38.

PFLC's Dividend Payout Ratio is ranked worse than
71.61% of 1173 companies
in the Banks industry
Industry Median: 0.32 vs PFLC: 0.46

As of today (2026-08-01), the Dividend Yield % of Pacific Financial is 3.21%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Pacific Financial was 7.68%. The lowest was 2.41%. And the median was 4.66%.

Pacific Financial's Dividends per Share for the months ended in Mar. 2026 was $0.15.

During the past 12 months, Pacific Financial's average Dividends Per Share Growth Rate was 1.80% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 2.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 6.40% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 11.60% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Pacific Financial was 20.10% per year. The lowest was -59.20% per year. And the median was 5.40% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Pacific Financial (OTCPK:PFLC) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Pacific Financial Dividend Payout Ratio Related Terms

Pacific Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Pacific Financial's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Pacific Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.43 0.50 0.38 0.61 0.48

Pacific Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Dividend Payout Ratio 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 0.52 0.40 0.45 0.50 0.52

PFLC vs TRCY, HNVR, BVFL: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Pacific Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Pacific Financial's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Pacific Financial's Dividend Payout Ratio falls into.


PFLC
51GF Score
Pacific Financial Corp PFLC
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pacific Financial Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Pacific Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.56/ 1.16
=0.48

Pacific Financial's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=0.15/ 0.3
=0.50

* 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 Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.50 mean?
Pacific Financial (PFLC) has a Dividend Payout Ratio of 0.50 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Pacific Financial and its competitors. This is 32% above median its historical median of 0.38. Over the past decade, Pacific Financial's Dividend Payout Ratio has ranged from 0.24 to 0.61. According to the industry distribution chart, Pacific Financial ranks #840 out of 1173 companies in the Banks industry, placing it in the top 71.6%.
Is Pacific Financial's Dividend Payout Ratio too high?
Pacific Financial's current Dividend Payout Ratio of 0.50 is 32% above median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 0.61. The Banks industry median Dividend Payout Ratio is 0.32. Pacific Financial's value of 0.50 is 56.3% above this industry median. Based on the distribution chart, Pacific Financial ranks #840 out of 1173 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 Dividend Payout Ratio compare to TRCY and HNVR?
According to the Banks industry distribution chart, Pacific Financial ranks #840 out of 1173 companies for Dividend Payout Ratio. This places Pacific Financial in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Pacific Financial's value of 0.50 is 56.3% above this benchmark. Historically, Pacific Financial's own Dividend Payout Ratio has ranged from 0.24 to 0.61 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,173 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Financial's current Dividend Payout Ratio of 0.50 is 56.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Pacific Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Financial's current Dividend Payout Ratio is 0.50, which is 32% above median its own 10-year median of 0.38. 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 Dividend Payout Ratio is 0.50, which is 32% above median its 10-year median of 0.38 and 56.3% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Pacific Financial (PFLC), the current Dividend Payout Ratio is 0.50 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 $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:

  • Dividend Payout Ratio: 0.50 (32% above median its 10-year median of 0.38)
  • GF Value™: $11.92 vs. price of $18.05 (51.4% above fair value)
  • GF Score™: 51/100 with 6 warning signs
  • Industry Position: 56.3% above the Banks median (#840 of 1173)

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.
51GF Score

Get the complete analysis for PFLC

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.05
Price
$11.92
GF Value