ScoreWhy is Pacific Financial Corp. ?
1
Positive results in Dec 25
- NII(Q) Highest at USD 12.3 MM
- NET SALES(Q) Highest at USD 15.37 MM
- GROSS NPA (%)(Q) Lowest at 0.02%
2
With ROA of 0.55%, it has a attractive valuation with a 1.05 Price to Book Value
- Over the past year, while the stock has generated a return of 29.30%, its profits have risen by 22.1%
3
Majority shareholders : Non Institution
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Pacific Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.48%
EBIT Growth (5y)
-9.78%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
48.28%
Pledged Shares
0
Institutional Holding
0.29%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.05
EV to EBIT
2.19
EV to EBITDA
2.19
EV to Capital Employed
1.27
EV to Sales
0.54
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
58.09%
ROE (Latest)
9.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bearish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 12.3 MM
NET SALES(Q)
Highest at USD 15.37 MM
GROSS NPA (%)
(Q
NET PROFIT(9M)
Higher at USD 9.27 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Pacific Financial Corp.
NII
Highest at USD 12.3 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 15.37 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Non Performing Loans (%)
Lowest at 0.02%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Profit
Higher at USD 9.27 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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