PFLC (Pacific Financial) Research & Development: $0.00 Mil (TTM As of Mar. 2026)


PFLC Pacific Financial Corp PFLC
53 GF Score
Price $17.35
GF Value $11.86
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pacific Financial Research & Development?

Pacific Financial PFLC +0.29% 53 Research & Development is $0.00 Mil as of Mar. 2026. 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.

Research & Development is the aggregate amount of research and development expenses during the year. Pacific Financial's Research & Development for the three months ended in Mar. 2026 was $0.00 Mil. Its Research & Development for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil.

Pacific Financial  (OTCPK:PFLC) Research & Development Explanation

If competitive advantage is created by a patent or tech advantage, at some point it will disappear.

High R&D usually dictates high SG&A which threatens the competitive advantage.

Pacific Financial Research & Development Related Terms

Pacific Financial Research & Development Historical Data

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The historical data trend for Pacific Financial's Research & Development 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 Research & Development Chart

Pacific Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
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Pacific Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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PFLC
53GF Score
Pacific Financial Corp PFLC
Research & Development is just one metric. See GF Score™, valuation, warning signs, and more.
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Pacific Financial Research & Development Calculation

This is the expense the company spent on research and development.

Research & Development for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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 Research & Development →
What does a Research & Development of $0.00 Mil mean?
Pacific Financial (PFLC) has a Research & Development of $0.00 Mil as of Mar. 2026. Research and development expense is the total cost for research and development activities. View historical data on Pacific Financial and its competitors.
Is Pacific Financial's Research & Development too high?
Pacific Financial's current Research & Development is $0.00 Mil. 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 Research & Development compare to UBAB and FGFH?
Pacific Financial's Research & Development of $0.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Research & Development for a Banks company?
A good Research & Development depends on the Banks industry context. However, Research & Development should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Research & Development mean?
A high Research & Development can signal that a stock is expensive relative to its fundamentals. Research and development expense is the total cost for research and development activities. View historical data on Pacific Financial and its competitors. Pacific Financial's current Research & Development is $0.00 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 $11.86, compared to a current price of $17.35 — trading 46.3% above its estimated fair value. The current Research & Development is $0.00 Mil. 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 Research & Development calculated?
Research & Development is calculated from a company's financial statements. For Pacific Financial (PFLC), the current Research & Development is $0.00 Mil 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 $17.35 is trading 46.3% above its estimated GF Value™ of $11.86. GuruFocus considers Pacific Financial to be Significantly Overvalued.

Key valuation signals for PFLC:

  • Research & Development: $0.00 Mil
  • GF Value™: $11.86 vs. price of $17.35 (46.3% above fair value)
  • GF Score™: 53/100 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.
53GF Score

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

$17.35
Price
$11.86
GF Value