6 Undervalued Banks Stocks for Monday, January 15
Discover the top 6 undervalued Banks stocks for Monday, January 15 based on AAII’s Stock Grades.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
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 operates loan production offices in Burlington, Washington, as well as Salem, Oregon. Pacific Financial Corporation was founded in 1971 and is headquartered in Aberdeen, Washington.
Commentary & Analysis
Is Pacific Financial Corporation (PFLC) a Good Dividend Stock?
Learn more about Pacific Financial Corporation's (PFLC) dividend history and yield. Also, check out how they are graded based on valuation, growth and strength.Jack Gilleland
Is Pacific Financial Corporation (PFLC) Stock a Good Investment?
Learn more about Pacific Financial Corporation's (PFLC) stock grades for Value and Growth and determine whether this Banks stock meets your investment needs.Zach Banning
Financial Summary
| Share Statistics | PFLC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $180.9 | $716.9 | 27% |
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| Shares Out (Mil) | 10.0 | 15.7 | 21% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | na | 21.2 | na |
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| Beta | 0.45 | 0.48 | 25% |
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| Avg Daily Volume (000s) | 3 | 53 | 11% |
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| Price Change (52-week) |
48.1% | 96.7% | 79% |
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| Growth | PFLC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | (0.3%) | 7.6% | 16% |
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| Net Income (5yr) | 0.3% | 11.1% | 40% |
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| EPS (5yr) | 1.6% | 10.1% | 33 |
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| Dividends (5yr) | 7.3% | 3.6% | 71% |
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| Cash Flow (5yr) | (24.3%) | (17.0%) | 26% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | PFLC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $53 | $190 | 21% |
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| Net Income (TTM) (Mil) | $12 | $51 | 46% |
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| EPS (TTM) | $1.162 | $2.500 | 63% |
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| Operating Cash Flow (TTM) (Mil) | $12 | $34 | 39% |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $16 | $100 | 31% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | PFLC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.43 | 1.27 | 38% |
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| P/E | 15.6 | 12.9 | 38% |
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| Dividend Yield | 3.3% | 2.2% | 87% |
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| PEG (5yr hist) | 9.7 | 1.1 | 93% |
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| Ratios | PFLC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 22.7% | 28.9% | 82% |
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| ROA | 0.9% | 1.0% | 45% |
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| ROE | 9.5% | 11.1% | 56% |
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| Liabilities to Assets | 90.1% | 89.8% | 86% |
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| F-Score | 5 | 4 | 51% |
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Pacific Financial Corporation did not pass any screens on 7/31/2026.
