PFLC (Pacific Financial) Valuation Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PFLC Pacific Financial Corp PFLC
51 GF Score
Price $18.05
GF Value $11.92
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pacific Financial Valuation Rank?

The Valuation Rank measures the current valuation of a business relative to other companies in the same industry and its own historical valuation. The companies are split in equal numbers and then ranked from 1 to 10, with 10 as the most undervalued and 1 as the most overvalued.

  1. Three factors:
    • Absolute valuation (medpsvalue) relative to current stock price, rank among all companies
    • Historical valuation over the past 10 years. Rank pe, ps, pocf, ev2ebit over their own historical values
    • Industry relative valuation
  2. Companies without enough data is not ranked
  3. Companies with negative earnings are ranked lower

These three factors are used to calculate the value score for every eligible company, with values from 1 to 10. The final ranked companies are split in equal numbers and ranked from 1 to 10, with 10 as the most undervalued, and 1 as the most overvalued. The numbers of companies in each rank are the same.

Pacific Financial Valuation Rank Related Terms

PFLC
51GF Score
Pacific Financial Corp PFLC
Valuation Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Valuation Rank:
  • GF Value™: $11.92 vs. price of $18.05 (51.4% above fair value)
  • GF Score™: 51/100 with 6 warning signs

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

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

$18.05
Price
$11.92
GF Value