PFLC (Pacific Financial) ROCE %: % (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 ROCE %?

Pacific Financial PFLC +0.29% 53 ROCE % is % 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.

ROCE % does not apply to banks and insurance companies.

PFLC
53GF Score
Pacific Financial Corp PFLC
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Pacific Financial (PFLC) has a ROCE % of % as of Mar. 2026.
Is Pacific Financial's ROCE % too high?
Pacific Financial's current ROCE % is %. 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 ROCE % compare to UBAB and FGFH?
Pacific Financial's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.20, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Financial's current ROCE % 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 $11.86, compared to a current price of $17.35 — trading 46.3% above its estimated fair value. The current ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Pacific Financial (PFLC), the current ROCE % 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 $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:

  • ROCE %: %
  • 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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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.35
Price
$11.86
GF Value