Pacific Financial Corp
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; switch kit account; online loan payment; essential, youth savings, and health savings; certificates of deposit; individual retirement accounts; and home equity loans, l… Read more
Pacific Financial Corp (PFLC) - Net Assets
Latest net assets as of December 2025: $126.39 Million USD
Based on the latest financial reports, Pacific Financial Corp (PFLC) has net assets worth $126.39 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.28 Billion) and total liabilities ($1.15 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $126.39 Million |
| % of Total Assets | 9.91% |
| Annual Growth Rate | 5.01% |
| 5-Year Change | 10.69% |
| 10-Year Change | 65.68% |
| Growth Volatility | 5.7 |
Pacific Financial Corp - Net Assets Trend (2004–2025)
This chart illustrates how Pacific Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Pacific Financial Corp (2004–2025)
The table below shows the annual net assets of Pacific Financial Corp from 2004 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $126.39 Million | +10.20% |
| 2023-12-31 | $114.69 Million | +11.18% |
| 2022-12-31 | $103.16 Million | -12.31% |
| 2021-12-31 | $117.64 Million | +3.03% |
| 2020-12-31 | $114.19 Million | +8.45% |
| 2019-12-31 | $105.29 Million | +13.85% |
| 2018-12-31 | $92.48 Million | +8.76% |
| 2017-12-31 | $85.03 Million | +6.28% |
| 2016-12-31 | $80.00 Million | +4.88% |
| 2015-12-31 | $76.28 Million | +5.25% |
| 2014-12-31 | $72.48 Million | +7.96% |
| 2013-12-31 | $67.14 Million | +0.62% |
| 2012-12-31 | $66.72 Million | +5.45% |
| 2011-12-31 | $63.27 Million | +5.86% |
| 2010-12-31 | $59.77 Million | +3.68% |
| 2009-12-31 | $57.65 Million | +15.13% |
| 2008-12-31 | $50.07 Million | -1.23% |
| 2007-12-31 | $50.70 Million | +3.50% |
| 2006-12-31 | $48.98 Million | +5.12% |
| 2005-12-31 | $46.60 Million | +2.86% |
| 2004-12-31 | $45.30 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Pacific Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $126.39 Million | 100.00% |
| Total Equity | $126.39 Million | 100.00% |
Pacific Financial Corp Competitors by Market Cap
The table below lists competitors of Pacific Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
DORO (DR8A.SG)
STU:DR8A
|
$89.46 Million |
|
Lithium Ionic Corp
OTCQB:LTHCF
|
$89.48 Million |
|
Interlife General Insurance S.A.
AT:INLIF
|
$89.49 Million |
|
BLOCKCHAIN GRP SA EO-04
F:BC7
|
$89.55 Million |
|
TRX Gold Corp
TO:TNX
|
$89.41 Million |
|
Stack Capital Group Inc.
PINK:STCGF
|
$89.40 Million |
|
Cathay Chemical Works Inc
TW:1713
|
$89.38 Million |
|
Fortinova Fastigheter AB Series B
ST:FNOVA-B
|
$89.31 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Pacific Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2025, total equity changed from 114,691,000 to 126,390,000, a change of 11,699,000 (10.2%).
- Net income of 11,645,000 contributed positively to equity growth.
Equity Change Factors (2023 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $11.64 Million | +9.21% |
| Other Changes | $54.00K | +0.04% |
| Total Change | $- | 10.20% |
Book Value vs Market Value Analysis
This analysis compares Pacific Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.81x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.55x to 0.81x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $6.59 | $10.25 | x |
| 2014-12-31 | $6.99 | $10.25 | x |
| 2017-12-31 | $8.10 | $10.25 | x |
| 2018-12-31 | $8.75 | $10.25 | x |
| 2019-12-31 | $9.90 | $10.25 | x |
| 2020-12-31 | $10.94 | $10.25 | x |
| 2021-12-31 | $11.32 | $10.25 | x |
| 2022-12-31 | $9.91 | $10.25 | x |
| 2023-12-31 | $11.04 | $10.25 | x |
| 2025-12-31 | $12.61 | $10.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Pacific Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.21%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 24.35%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 10.09x
- Recent ROE (9.21%) is above the historical average (9.09%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 12.60% | 20.90% | 0.06x | 9.75x | $1.18 Million |
| 2005 | 12.97% | 17.93% | 0.07x | 10.50x | $1.39 Million |
| 2006 | 13.37% | 16.13% | 0.07x | 11.48x | $1.65 Million |
| 2007 | 11.90% | 13.52% | 0.08x | 11.16x | $961.10K |
| 2008 | 1.90% | 2.45% | 0.06x | 12.50x | $-4.06 Million |
| 2010 | 2.73% | 4.16% | 0.06x | 10.78x | $-4.34 Million |
| 2011 | 4.45% | 7.63% | 0.06x | 10.14x | $-3.51 Million |
| 2012 | 7.17% | 12.97% | 0.06x | 9.65x | $-1.89 Million |
| 2013 | 5.56% | 6.17% | 0.09x | 10.50x | $-2.98 Million |
| 2014 | 6.80% | 14.15% | 0.05x | 10.28x | $-2.32 Million |
| 2015 | 7.31% | 14.54% | 0.05x | 10.81x | $-2.05 Million |
| 2016 | 8.24% | 15.37% | 0.05x | 11.14x | $-1.41 Million |
| 2017 | 8.19% | 15.62% | 0.05x | 10.53x | $-1.54 Million |
| 2018 | 12.25% | 23.85% | 0.05x | 9.82x | $2.08 Million |
| 2019 | 13.07% | 26.19% | 0.06x | 8.83x | $3.23 Million |
| 2020 | 9.97% | 19.85% | 0.05x | 10.22x | $-34.60K |
| 2021 | 10.79% | 24.12% | 0.04x | 11.22x | $932.80K |
| 2022 | 10.55% | 22.60% | 0.04x | 12.66x | $571.80K |
| 2023 | 12.73% | 26.38% | 0.05x | 10.02x | $3.14 Million |
| 2025 | 9.21% | 24.35% | 0.04x | 10.09x | $-994.00K |
Industry Comparison
This section compares Pacific Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Pacific Financial Corp (PFLC) | $126.39 Million | 12.60% | 9.09x | $89.42 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |