PFLC
Pacific Financial Corporation
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Last price
18.60
▼ 0.16 (0.85%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Tool
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
18.90
Prev close
18.76
Day high
18.90
Day low
18.60
Volume
1.60K
Market cap
$186.45M
P/E (TTM)
14.88
52W range
11.06 – 19.25
Day trading desk
Gap from prior close
+0.75%
Prior close 18.76
VWAP
18.73
-0.71% from price
Relative volume
0.05×
Quiet session
Session range
1.61%
18.60 – 18.90
Position in range
0%
Near session low
ATR (14D)
0.25
1.36% of price
Prior day high
18.76
PDH
Prior day low
18.16
PDL
Bid / ask spread
—
Quote not published
Session volume
1.10K
Avg 24.01K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-3.13%
-1.8%
1M
+5.08%
+1.4%
3M
+12.73%
+9.6%
6M
+42.42%
+31.4%
YTD
+45.88%
+33.6%
1Y
+63.01%
+43.0%
3Y
+85.81%
+11.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on PFLC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
1.24M
Total on file
Fundamentals
Market cap$186.45M
Enterprise value$105.56M
Revenue (TTM)$55.19M
Gross profit$55.19M
EBITDA—
Net income$12.54M
EPS (TTM)$1.25
Free cash flow—
Total cash$94.31M
Total debt$13.40M
Book value / share$12.61
Shares outstanding10.02M
Float8.85M
Short % of float—
Dividend yield3.23%
Beta (5Y)0.46
Valuation & profitability ratios
Trailing P/E14.88
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.47
EV / revenue1.91
EV / EBITDA—
Gross margin0.00%
Operating margin26.57%
Profit margin22.71%
Return on equity10.22%
Return on assets1.01%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $53.59M | $51.09M | $55.37M | $48.17M | +4.9% |
| Operating revenue | $53.59M | $51.09M | $55.37M | $48.17M | +4.9% |
| Selling, general & admin | $30.37M | $31.05M | $23.34M | $26.66M | -2.2% |
| Pre-tax income | $14.52M | $11.74M | $18.00M | $13.20M | +23.7% |
| Tax provision | $2.87M | $2.21M | $3.39M | $2.31M | +30.1% |
| Net income | $11.64M | $9.53M | $14.61M | $10.89M | +22.2% |
| Net income to common | $11.64M | $9.53M | $14.61M | $10.89M | +22.2% |
| Basic EPS | 1.16 | 0.93 | 1.40 | 1.05 | +24.7% |
| Diluted EPS | 1.16 | 0.92 | 1.40 | 1.04 | +26.1% |
| Basic shares | 10.04M | 10.25M | 10.43M | 10.40M | -2.1% |
| Diluted shares | 10.04M | 10.36M | 10.43M | 10.42M | -3.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $114.81M | $80.15M | $108.07M | $318.49M | +43.2% |
| Accounts receivable | $4.96M | $4.16M | $4.43M | $4.04M | +19.4% |
| Property, plant & equipment | $16.13M | $16.95M | $15.58M | $13.95M | -4.8% |
| Goodwill & intangibles | $13.44M | $13.44M | $13.44M | $13.44M | 0.0% |
| Total assets | $1.28B | $1.15B | $1.15B | $1.31B | +10.5% |
| Long-term debt | $13.40M | $13.40M | $13.40M | $13.40M | 0.0% |
| Total debt | $16.82M | $17.44M | $15.97M | $14.55M | -3.6% |
| Total liabilities | $1.15B | $1.04B | $1.03B | $1.20B | +10.5% |
| Retained earnings | $88.26M | $82.23M | $78.47M | $69.84M | +7.3% |
| Shareholder equity | $126.39M | $113.86M | $114.69M | $103.16M | +11.0% |
| Net tangible assets | $112.95M | $100.42M | $101.25M | $89.73M | +12.5% |
| Shares issued | 10.02M | 10.11M | 10.39M | 10.41M | -0.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $11.64M | $9.53M | $14.61M | $10.89M | +22.2% |
| Depreciation & amortisation | $2.00K | $1.08M | $1.33M | $3.36M | -99.8% |
| Stock-based compensation | $129.00K | $192.00K | — | — | -32.8% |
| Change in working capital | -$922.00K | $4.00K | $168.00K | -$798.00K | -23,150.0% |
| Operating cash flow | $12.33M | $8.97M | $15.82M | $25.37M | +37.5% |
| Capital expenditure | -$1.06M | -$1.47M | -$1.35M | -$1.17M | +28.2% |
| Investing cash flow | -$79.05M | -$32.86M | -$46.21M | -$93.14M | -140.6% |
| Share buybacks | -$1.21M | -$3.43M | -$399.00K | $0 | +64.9% |
| Dividends paid | -$5.61M | -$5.78M | -$5.52M | -$5.41M | +2.9% |
| Financing cash flow | $101.38M | -$3.78M | -$177.03M | -$4.36M | +2,782.6% |
| Free cash flow | $11.27M | $7.49M | $14.47M | $24.20M | +50.5% |
| End cash position | $113.81M | $79.15M | $106.82M | $314.24M | +43.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | — | $13.29M | $12.31M | $13.40M | $12.44M | $10.84M | — |
| Operating revenue | — | $13.29M | $12.31M | $13.40M | $12.44M | $10.84M | — |
| Selling, general & admin | — | $6.34M | $6.51M | $6.26M | $6.12M | $6.44M | — |
| Pre-tax income | — | $3.76M | $3.91M | $3.30M | $2.92M | $2.65M | — |
| Net income | — | $3.05M | $3.12M | $2.67M | $2.38M | $2.16M | — |
| Net income to common | — | $3.05M | $3.12M | $2.67M | $2.38M | $2.16M | — |
| Basic EPS | 0.29 | 0.30 | 0.31 | 0.27 | 0.24 | — | -3.3% |
| Diluted EPS | 0.29 | 0.30 | 0.31 | 0.27 | 0.24 | — | -3.3% |
| Basic shares | 9.97M | — | — | — | — | — | — |
| Diluted shares | 9.97M | 10.17M | 10.06M | 9.89M | 9.90M | — | -1.9% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $126.85M | $114.81M | $98.83M | $143.83M | $80.15M | +10.5% |
| Accounts receivable | — | $4.96M | — | — | $4.16M | — |
| Property, plant & equipment | $16.04M | $16.13M | $16.49M | $16.70M | $16.95M | -0.6% |
| Goodwill & intangibles | $13.44M | $13.44M | $13.44M | $13.44M | $13.44M | -0.0% |
| Total assets | $1.29B | $1.28B | $1.22B | $1.22B | $1.15B | +1.2% |
| Long-term debt | $13.40M | $13.40M | $13.40M | $13.40M | $13.40M | 0.0% |
| Total debt | $13.40M | $16.82M | $13.40M | $13.40M | $17.44M | -20.3% |
| Total liabilities | $1.16B | $1.15B | $1.10B | $1.10B | $1.04B | +1.3% |
| Retained earnings | — | $88.26M | — | — | $82.23M | — |
| Shareholder equity | $127.08M | $126.39M | $118.94M | $116.95M | $113.86M | +0.5% |
| Net tangible assets | $113.64M | $112.95M | $105.50M | $103.51M | $100.42M | +0.6% |
| Shares issued | 10.02M | 10.02M | 10.02M | 10.02M | 10.11M | +0.0% |
No filings published for this symbol yet.
Newly listed companies often have nothing on file until their first annual report.
Newly listed companies often have nothing on file until their first annual report.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Mar 2010 | — | 0.06 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders12.33%
Held by institutions0.21%
Institutions holding2
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
18.93
-1.72% from price
SMA 20
18.61
-0.03% from price
SMA 50
17.98
+3.46% from price
SMA 100
16.51
+12.67% from price
SMA 200
14.57
+27.70% from price
EMA 12
18.77
-0.92% from price
EMA 26
18.48
+0.63% from price
EMA 50
17.92
+3.79% from price
RSI (14)
53.2
Neutral
MACD (12,26,9)
0.29
Hist -0.04
ATR (14)
0.25
1.36% of price
Realised vol 30D
22.3%
Annualised
Bollinger upper
19.41
20, 2σ
Bollinger lower
17.80
20, 2σ
50 / 200 cross
Golden
17.98 vs 14.57
Trend bias
Above 200
+27.70%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.17
Less volatile than market
Correlation to SPY
0.08
Largely independent
Realised vol 30D
22.3%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-4.9%
Peak to trough
Max drawdown 5Y
-27.6%
Peak to trough
ATR 14
0.25
1.36% of price
Beta (reported)
0.46
5Y monthly, from filing
Dividends & splits
Forward rate$0.60 / yr
Forward yield3.23%
5-year avg yield4.78%
Payout ratio46.40%
Ex-dividend dateAug 4, 2026
Next pay dateMay 22, 2026
Last split11:10
Split dateDec 29, 2008
SEC filings
Headlines
Banner Corporation and Pacific Financial Corporation Set Closing Date for Merger
Business Wire · 6d ago
Pacific Financial Corporation Announces Shareholder Approval of Merger Agreement
GlobeNewswire · 10d ago
Pacific Financial Corp Reports Second Quarter 2026 Earnings of $2.9 Million, or $0.29 per Diluted Share; Declares Quarterly Cash Dividend of $0.15 per Share
GlobeNewswire · 30d ago
Central Pacific Financial Reports Second Quarter 2026 Earnings of $20.8 Million
Business Wire · 30d ago
Central Pacific Financial Corp. Announces Conference Call to Discuss Second Quarter 2026 Financial Results
Business Wire · 47d ago
PRIVATE STRATEGY · BY QUALIFICATION
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