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Pacific Financial Corporation (PFLC) Fair Value & Analysis

Financial Services · US · Market cap $172M

Price$17.35
Fair Value$15.10
Upside-13.0%
Quality95/100
Evidence: High Range $11.33 – $18.88

Fair value as of: Jun 26, 2026

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Analysis

Pacific Financial Corporation (PFLC) currently trades at $17.35, while our model-based Fair Value estimate is $15.10 — implying the stock looks roughly 13.0% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Pacific Financial Corporation operates as the bank holding company for Bank of the Pacific that provides various banking products and services. The company offers personal and business checking, savings, and money market accounts; online loan payments; essential and health savings accounts; certificates of deposit; individual retirement accounts; and home equity loans, loan payment options, auto and recreation loans, credit cards, and home equity lines of credit. It also provides business and commercial, commercial real estate, commercial vehicle, equipment, construction, and SBA loans, as well as working capital lines of credit; commercial office build-outs; commercial deposits and treasury management, merchant, and online and mobile banking services. The company conducts its banking business through branches located in Grays Harbor, Pacific, Thurston, Whatcom, Clark, Skagit, and Wahkiakum counties in the state of Washington; in Clatsop and Clackamas counties in Oregon; and operate…

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Frequently asked questions

Is Pacific Financial Corporation (PFLC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $15.10 versus a price of $17.35 — about −13% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PFLC?
Our 21-model fair value for Pacific Financial Corporation is $15.10 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.35.
What is the quality score of PFLC?
Pacific Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.