PFLC (Pacific Financial) Scaled Net Operating Assets: -0.23 (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 Scaled Net Operating Assets?

Pacific Financial PFLC +0.28% 51 Scaled Net Operating Assets is -0.23 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pacific Financial's operating assets for the quarter that ended in Mar. 2026 was $861.52 Mil. Pacific Financial's operating liabilities for the quarter that ended in Mar. 2026 was $1,150.18 Mil. Pacific Financial's Total Assets for the quarter that ended in Dec. 2025 was $1,275.12 Mil. Therefore, Pacific Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.23.

PFLC
51GF Score
Pacific Financial Corp PFLC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Pacific Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pacific Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1160.31-1131.904)/1153.563
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1275.116 - 114.806
=1160.31

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1148.726 - 16.822 - 0
=1131.904

Pacific Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(861.524-1150.175)/1275.116
=-0.23

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1290.658 - 429.134
=861.524

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1163.578 - 13.403 - 0
=1150.175

* 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.

What does a Scaled Net Operating Assets of -0.23 mean?
Pacific Financial (PFLC) has a Scaled Net Operating Assets of -0.23 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pacific Financial and its competitors.
Is Pacific Financial's Scaled Net Operating Assets too high?
Pacific Financial's current Scaled Net Operating Assets is -0.23. 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 Scaled Net Operating Assets compare to TRCY and HNVR?
Pacific Financial's Scaled Net Operating Assets of -0.23 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pacific Financial and its competitors. Pacific Financial's current Scaled Net Operating Assets is -0.23. 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 Scaled Net Operating Assets is -0.23. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Pacific Financial (PFLC), the current Scaled Net Operating Assets is -0.23 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:

  • Scaled Net Operating Assets: -0.23
  • 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.05
Price
$11.92
GF Value