PFLC (Pacific Financial) Tariff Resilience Score: 8/10 (As of Aug. 01, 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 Tariff Resilience Score?

Pacific Financial PFLC +0.28% 51 Tariff Resilience Score is 8 as of Aug. 01, 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 1,606 Banks companies, Pacific Financial ranks better than 78.77% on this metric.

Pacific Financial has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Pacific Financial has Primarily a regional bank with limited exposure to international trade. Minimal global supply chain dependencies and no significant import/export activities. Historical tariff changes have had negligible impact. Resilient due to domestic focus.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Pacific Financial might have Highly Resilient.

Pacific Financial  (OTCPK:PFLC) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Pacific Financial Tariff Resilience Score Related Terms

PFLC vs TRCY, HNVR, BVFL: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Pacific Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Pacific Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Pacific Financial's Tariff Resilience Score falls into.


PFLC
51GF Score
Pacific Financial Corp PFLC
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Pacific Financial (PFLC) has a Tariff Resilience Score of 8 as of Aug. 01, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Pacific Financial ranks #341 out of 1606 companies in the Banks industry, placing it in the top 21.2%.
Is Pacific Financial's Tariff Resilience Score too high?
Pacific Financial's current Tariff Resilience Score is 8. Based on the distribution chart, Pacific Financial ranks #341 out of 1606 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to TRCY and HNVR?
According to the Banks industry distribution chart, Pacific Financial ranks #341 out of 1606 companies for Tariff Resilience Score. This places Pacific Financial in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Pacific Financial's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Pacific Financial (PFLC), the current Tariff Resilience Score is 8 as of Aug. 01, 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:

  • Tariff Resilience Score: 8
  • 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

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.05
Price
$11.92
GF Value