Pacific Financial's earnings have been declining at an average annual rate of -4.2%, while the Banks industry saw earnings growing at 3.2% annually. Revenues have been declining at an average rate of 1.6% per year. Pacific Financial's return on equity is 9.7%, and it has net margins of 22.7%.
Key information
-4.20%
Earnings growth rate
-3.42%
EPS growth rate
Banks Industry Growth
11.18%
Revenue growth rate
-1.62%
Return on equity
9.69%
Net Margin
22.69%
Last Earnings Update
31 Mar 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Pacific Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
OTCPK:PFLC Revenue, expenses and earnings (USD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
54
12
35
0
31 Dec 25
53
12
35
0
30 Sep 25
52
11
35
0
30 Jun 25
51
10
35
0
31 Mar 25
50
9
35
0
31 Dec 24
51
10
35
0
30 Sep 24
51
10
33
0
30 Jun 24
52
11
33
0
31 Mar 24
53
13
32
0
31 Dec 23
55
15
33
0
30 Sep 23
56
16
31
0
30 Jun 23
55
16
31
0
31 Mar 23
52
13
31
0
31 Dec 22
48
11
30
0
30 Sep 22
46
8
31
0
30 Jun 22
46
8
32
0
31 Mar 22
51
10
33
0
31 Dec 21
56
13
35
0
30 Sep 21
60
14
36
0
30 Jun 21
61
16
36
0
31 Mar 21
59
14
36
0
31 Dec 20
54
11
35
0
30 Sep 20
52
11
33
0
30 Jun 20
51
11
33
0
31 Mar 20
51
12
31
0
31 Dec 19
53
14
31
0
30 Sep 19
51
14
30
0
30 Jun 19
50
13
29
0
31 Mar 19
48
12
29
0
31 Dec 18
48
11
29
0
30 Sep 18
47
9
29
0
30 Jun 18
46
8
28
0
31 Mar 18
45
8
28
0
31 Dec 17
44
7
28
0
30 Sep 17
43
7
29
0
30 Jun 17
43
7
28
0
31 Mar 17
42
7
28
0
31 Dec 16
42
7
27
0
30 Sep 16
41
6
26
0
30 Jun 16
40
6
25
0
31 Mar 16
40
6
25
0
31 Dec 15
38
6
25
0
30 Sep 15
37
5
25
0
30 Jun 15
37
5
24
0
Quality Earnings: PFLC has high quality earnings.
Growing Profit Margin: PFLC's current net profit margins (22.7%) are higher than last year (18.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PFLC's earnings have declined by 4.2% per year over the past 5 years.
Accelerating Growth: PFLC's earnings growth over the past year (33%) exceeds its 5-year average (-4.2% per year).
Earnings vs Industry: PFLC earnings growth over the past year (33%) exceeded the Banks industry 22.8%.
Return on Equity
High ROE: PFLC's Return on Equity (9.7%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/06/07 22:40
End of Day Share Price
2026/06/05 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Pacific Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.