Start with its own history
At 14.92×, PFLC is 33.5% above its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
OTC · PFLCBanks - RegionalUpdated Oct 29, 2026
Pacific Financial Corporation P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
14.92×
33.5% abovethe 10-year annual average
Share price18.38
÷Earnings per share1.2318
Price and EPS in quote currency. Calculation details
Investors are paying 14.92 for every 1 of reported earnings per share.
P/E over time
2016 – 2025
Annual P/ESelected-period average 11.18×
3-year average10.72×3 positive annual observations
5-year average10.34×5 positive annual observations
10-year average11.18×10 positive annual observations
Peer median · TTM11.50×7 peers with positive P/E
Historical P/E ratios
Annual period-end data · 21 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 10.99× | -18.8% |
| Dec 31, 2024 | 13.53× | +77.1% |
| Dec 31, 2023 | 7.64× | -25.0% |
| Dec 31, 2022 | 10.19× | +9.1% |
| Dec 31, 2021 | 9.34× | +7.5% |
| Dec 31, 2020 | 8.69× | -11.6% |
| Dec 31, 2019 | 9.84× | -6.4% |
| Dec 31, 2018 | 10.51× | -31.6% |
View all 21 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2017 | 15.37× | -1.7% |
| Dec 31, 2016 | 15.63× | +20.6% |
| Dec 31, 2015 | 12.96× | -5.6% |
| Dec 31, 2014 | 13.73× | -20.6% |
| Dec 31, 2013 | 17.30× | +78.4% |
| Dec 31, 2012 | 9.69× | -32.1% |
| Dec 31, 2011 | 14.29× | -49.8% |
| Dec 31, 2010 | 28.44× | N/M |
| Dec 31, 2009 | N/M | N/M |
| Dec 31, 2008 | 51.92× | +255.5% |
| Dec 31, 2007 | 14.61× | -12.8% |
| Dec 31, 2006 | 16.75× | -10.2% |
| Dec 31, 2005 | 18.65× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How PFLC compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 PFLC This stockPacific Financial Corporation | 14.92× |
 PONTPontiac Bancorp, Inc. | N/M |
 TYFGTri-County Financial Group, Inc. | 12.67× |
 TYBTTrinity Bank, N.A. | 15.88× |
 CNBPCornerstone Bancorp Inc. | 10.41× |
 PBNKPinnacle Bank | 34.21× |
 SBKOSummit Bank Group, Inc. | 11.50× |
 PBNCPB Financial Corporation | 8.87× |
 CPKFChesapeake Financial Shares, Inc. | 7.00× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does PFLC’s P/E tell you?
Compare like with like
The median of the 7 positive peer ratios above is 11.50×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take PFLC into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("PFLC", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 18.38 ÷ EPS 1.2318 = 14.92×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Oct 29, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
PFLC P/E ratio: common questions
The essentials behind the numbers.
Pacific Financial Corporation's current P/E is 14.92× based on the quote data last updated Oct 29, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.