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Pacific Financial Corporation · OTC
Price: $16.55 · Annual div: $0.58/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in PFLC → $218.1K in 10 years · $5,212.46/month
Pacific Financial Corporation (PFLC) serves as the parent entity for Bank of the Pacific, delivering a diverse range of financial products and services throughout Washington and Oregon. For individual clients, the bank provides essential checking and savings accounts, alongside various wealth-building options such as certificates of deposit (CDs) and individual retirement accounts (IRAs). Its lending solutions encompass residential mortgages, vehicle and recreational loans, credit cards, and home equity lines of credit (HELOCs). Businesses are offered a comprehensive suite of financial instruments, including general commercial and real estate loans, government-backed Small Business Administration (SBA) loans, and specialized financing for inventory, equipment, and operational capital. Corporate clients also benefit from Visa business cards, advanced cash/treasury management, merchant services, and convenient online and mobile banking platforms. The company's operational network comprises sixteen full-service branches: fourteen dispersed across Grays Harbor, Pacific, Whatcom, Clark, Skagit, and Wahkiakum counties in Washington, and two located in Clatsop County, Oregon. Additionally, PFLC maintains three loan production offices, situated in Burlington, Washington, and in Salem and Eugene, Oregon. Established in 1971, Pacific Financial Corporation's main office is located in Aberdeen, Washington.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold PFLC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.51% | 0.71% | $351 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.98% | 0.18% | $298 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.81% | 0.01% | $281 / yr |
| 🇬🇧 UK ISA | 0% | 3.51% | 0.71% | $351 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.20% | 0.40% | $320 / yr |
| 🇨🇦 TFSA | 0% | 3.51% | 0.71% | $351 / yr |
| 🇨🇦 CA Taxable | 25% | 2.63% | -0.17% | $263 / yr |
| 🇦🇺 Super (pension) | 15% | 2.98% | 0.18% | $298 / yr |
| 🇦🇺 AU Taxable | 30% | 2.46% | -0.34% | $246 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.58% | -0.22% | $258 / yr |
| 🇫🇷 FR Taxable | 30% | 2.46% | -0.34% | $246 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.58/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
PFLC pays quarterly — 4 times per year. Next ex-div: TBD.
How PFLC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PFLC sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| M-Exempt | 2015-06-01 | 4,505 | — | — | ||
| M-Exempt | 2015-06-01 | 4,505 | — | — | ||
| A-Award | 2015-01-30 | 1,608 | — | — | ||
| A-Award | 2015-01-30 | 1,806 | — | — | ||
| A-Award | 2015-01-30 | 2,332 | — | — | ||
| A-Award | 2015-01-30 | 2,898 | — | — | ||
| M-Exempt | 2015-02-24 | 4,000 | $5.00 | $20.0K | ||
| M-Exempt | 2015-02-24 | 4,000 | $5.00 | $20.0K | ||
| Buy | 2014-11-18 | 1,900 | $6.50 | $12.3K | ||
| M-Exempt | 2014-11-17 | 4,000 | $5.00 | $20.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the PFLC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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