PFLC (Pacific Financial) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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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
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What is Pacific Financial ROC (Joel Greenblatt) %?

Pacific Financial PFLC +0.28% 51 ROC (Joel Greenblatt) % is % as of Mar. 2026. 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 46 Banks companies, Pacific Financial ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

PFLC
51GF Score
Pacific Financial Corp PFLC
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Pacific Financial (PFLC) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pacific Financial and its competitors. According to the industry distribution chart, Pacific Financial ranks #999999 out of 46 companies in the Banks industry.
Is Pacific Financial's ROC (Joel Greenblatt) % too high?
Pacific Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Pacific Financial ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to TRCY and HNVR?
According to the Banks industry distribution chart, Pacific Financial ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Pacific Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pacific Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Financial's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Pacific Financial (PFLC), the current ROC (Joel Greenblatt) % is % 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:

  • ROC (Joel Greenblatt) %: %
  • 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.05
Price
$11.92
GF Value