Pacific Financial (Pacific Financial) Risk Assessment

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What is Pacific Financial Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Pacific Financial is: High Risk: High uncertainty with risk-return tradeoff.

Competitive Comparison of Pacific Financial's Risk Assessment

For the Banks - Regional subindustry, Pacific Financial's Risk Assessment, along with its competitors' market caps and Risk Assessment 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's Risk Assessment Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Pacific Financial's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Pacific Financial's Risk Assessment falls into.

Pacific Financial (OTCPK:PFLC) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Pacific Financial Risk Assessment Related Terms

Thank you for viewing the detailed overview of Pacific Financial's Risk Assessment provided by GuruFocus.com. Please click on the following links to see related term pages.

Pacific Financial (Pacific Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Pacific Financial Corp (OTCPK:PFLC) » Definitions » Risk Assessment

Comparable Companies

Traded in Other Exchanges

N/A

Address

1216 Skyview Drive, Aberdeen, WA, USA, 98520

Website

https://www.bankofthepacific.com

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.

Executives

Kristi Gundersen	director	PO BOX 1826, ABERDEEN WA 98520
Daniel J. Tupper	director	PO BOX 1826, ABERDEEN WA 98520
Loretta B Reece	director	PO BOX 1826, ABERDEEN WA 98520
Douglas N Biddle	officer: CFO	1101 S. BOONE STREET, ABERDEEN WA 98520-5244
Randy Rust	director	300 E MARKET STREET, ABERDEEN WA 98520-5244
Dwayne Carter	director	1101 S BOONE STREET, ABERDEEN WA 98520
Denise Portmann	officer: VP & CASHIER
Douglas M Schermer	director
Dennis A Long	director, officer: President
Randy W Rognlin	director
Edward Ketel	director
Philippe S Swaab	officer: Vice President	1101 S BOONE STREET, ABERDEEN WA 98520
Duane E Hagstrom	director
Dijk John Van	officer: Secretary
Susan C Freese	director