Pacific Financial Corporation Financial Ratios — PFLC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	13.57	20.32	14.45	17.5	17.82	18.8	17.69	24.79	24.97	17.81	17.85	14.05	17.27	10.52	12.22
Return on Assets (%)	0.44	0.74	0.55	0.68	0.71	0.77	0.78	1.26	1.5	1.09	1.02	0.83	1.19	0.83	0.96
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	5.54	4.12	5.24	5.62	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.56	23.29	20.83	26.19	26.69	6.33	6.65	6.25	3.95	3.81	5.8	6.97	2.41	2.11	- -
Operating Margin (%)	- -	18.83	13.93	18.96	19.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	4,290.32	299.05	-449.29	143.99	22.71	-179.57	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	10.07	18.22	13.93	18.96	19.32	21.05	25.41	28.86	32.32	24.84	29.6	27.4	32.5	22.98	27.09
Profit Margin (%)	9	14.33	11.05	14.03	14.37	15.33	15.62	23.85	26.19	19.85	24.12	22.6	26.38	18.66	21.73
Net Income to Common Margin (%)	9	14.33	11.05	14.03	14.37	15.33	15.62	23.85	26.19	19.85	24.12	22.6	26.38	18.66	21.73
Effective Tax Rate (%)	10.57	21.36	20.67	25.99	25.62	27.18	38.51	17.35	18.98	20.09	18.51	17.51	18.84	18.81	19.79
Dvd Payout Ratio (%)	- -	42.3	- -	41.32	39.06	34.7	34.44	23.14	46.94	35.34	42.67	49.66	37.82	60.6	48.18
Sustainable Growth Rate (%)	13.57	11.72	14.45	10.27	10.86	12.28	11.6	19.06	13.25	11.51	10.23	7.07	10.74	4.15	6.33

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	25	24	23	25	25	22	22	22	18	16	15	15	16	17	17
ST Debt	1	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	24	21	23	25	25	22	22	22	18	16	15	15	16	17	17
Total Debt/EBITDA	17.26	3.07	3.33	2.7	2.39	8.1	7.4	7.33	8.63	7.28	5	4.33	11.96	16.15	8,411
Net Debt/EBITDA	-11.55	-4.62	-2.17	-0.97	-0.54	-14.5	-4.61	-1.24	-11.26	-83.25	-106.36	-90.88	-70.91	-61.8	-50,701.5
Total Debt/EBIT	- -	3.8	4.98	3.73	3.3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-5.71	-3.25	-1.34	-0.74	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.46	3.87	3.79	3.98	3.99	4.17	4.64	5.49	6.49	5.78	5.66	6.14	7.73	8	7.71
Long-Term Debt/Equity (%)	37.78	31.33	34.86	34.29	32.39	27.57	25.76	23.52	17.01	13.93	13	14.11	13.92	15.32	13.31
Long-Term Debt/Capital (%)	51.06	42.8	46.72	45.62	42.86	37.25	34.51	30.39	22.88	19.06	16.98	15.35	15.23	15.89	14.61
Long-Term Debt/Total Assets (%)	3.73	3.25	3.32	3.34	3	2.47	2.45	2.4	1.93	1.36	1.16	1.11	1.39	1.51	1.32
Total Debt/Equity (%)	38.95	35.83	34.86	34.29	32.39	27.57	25.76	23.52	17.01	13.93	13	14.11	13.92	15.32	13.31
Total Debt/Capital (%)	52.64	48.94	46.72	45.62	42.86	37.25	34.51	30.39	22.88	19.06	16.98	15.35	15.23	15.89	14.61
Total Debt/Total Assets (%)	3.84	3.71	3.32	3.34	3	2.47	2.45	2.4	1.93	1.36	1.16	1.11	1.39	1.51	1.32
Net Debt to Equity	-26.06	-53.86	-22.75	-12.29	-7.27	-49.34	-16.06	-3.98	-22.19	-159.3	-276.2	-295.73	-82.54	-58.62	-80.23
Net Debt/Capital (%)	-290.03	326.61	-133.77	-42.99	-20.25	1,708.05	-48.94	-7.98	-61.02	161.79	130.65	136.4	2,922.75	-225.26	-33,801
EBITDA	1	8	7	9	10	3	3	3	2	2	3	3	1	1	- -
EBITDA-CapEx	- -	7	4	8	10	- -	2	2	1	1	2	2	- -	- -	-1
Operating Income (Loss)	- -	6	5	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.46	3.87	3.79	3.98	3.99	4.17	4.64	5.49	6.49	5.78	5.66	6.14	7.73	8	7.71
Long-Term Debt/Equity (%)	37.78	31.33	34.86	34.29	32.39	27.57	25.76	23.52	17.01	13.93	13	14.11	13.92	15.32	13.31
Long-Term Debt/Capital (%)	51.06	42.8	46.72	45.62	42.86	37.25	34.51	30.39	22.88	19.06	16.98	15.35	15.23	15.89	14.61
Long-Term Debt/Total Assets (%)	3.73	3.25	3.32	3.34	3	2.47	2.45	2.4	1.93	1.36	1.16	1.11	1.39	1.51	1.32
Total Debt/Equity (%)	38.95	35.83	34.86	34.29	32.39	27.57	25.76	23.52	17.01	13.93	13	14.11	13.92	15.32	13.31
Total Debt/Capital (%)	52.64	48.94	46.72	45.62	42.86	37.25	34.51	30.39	22.88	19.06	16.98	15.35	15.23	15.89	14.61
Total Debt/Total Assets (%)	3.84	3.71	3.32	3.34	3	2.47	2.45	2.4	1.93	1.36	1.16	1.11	1.39	1.51	1.32
CFO/Total Liabilities	0.99	0.91	2.03	1.69	0.25	2	2.07	1.96	1.36	-0.7	3.21	2.11	1.53	0.86	1.07
CFO/CapEx	5.59	6.21	4.75	13.4	2.2	5.38	13.49	14.64	8.19	-10.58	64.74	21.61	11.74	6.08	11.66
Altman's Z-Score	0.12	0.17	0.17	0.18	0.18	0.17	0.18	0.2	0.23	0.18	0.17	0.17	0.21	0.22	0.21

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	13.94	15.77	15.39	15.09	15.46	15.47	14.99	14.89	16.43	14.79	13.1	13.02	13.06	11.9	11.75
Days Sales Outstanding	26.18	23.14	23.71	24.2	23.62	23.6	24.35	24.52	22.21	24.68	27.87	28.04	27.94	30.68	31.05
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	40	48	65	68	73	103	108	119	136	99	119	111	111	128	128
- Cash & Cash Equivalents	41	60	39	34	30	62	36	25	40	196	339	318	108	80	115
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	25	24	23	25	25	22	22	22	18	16	15	15	16	17	17
Enterprise Value	-24	-49	-47	-29	-33	-48	-16	-6	11	-205	-438	-419	-219	-198	19
Total Capital	47	49	50	54	58	59	63	72	78	83	90	95	105	110	115
Total Debt/Capital (%)	52.64	48.94	46.72	45.62	42.86	37.25	34.51	30.39	22.88	19.06	16.98	15.35	15.23	15.89	14.61
Total Debt / EV	-1.04	-0.49	-0.5	-0.86	-0.75	-0.46	-1.37	-3.42	1.58	-0.08	-0.03	-0.03	-0.07	-0.09	0.9
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	0.22	- -	- -	- -	- -	2.88	0.35
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	5.45	- -	- -	- -	- -	- -	9,365.81
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	1.01	- -	- -	- -	- -	- -	1.52
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	0.9	- -	- -	- -	- -	- -	1.4
Diluted Market Cap	40	48	65	68	74	104	110	120	136	99	119	112	112	129	128
Diluted Enterprise Value	24	12	50	59	68	65	96	116	114	-80	-204	-192	19	66	30
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	1.07	- -	- -	- -	- -	12.45	1.87
TTM Sales	31	33	34	35	39	43	45	48	53	57	53	48	55	51	54
TTM EBITDA	1	8	7	9	10	3	3	3	2	2	3	3	1	1	- -
TTM Operating Income	- -	6	5	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	5	13	11	2	16	17	16	11	-7	39	25	16	9	12
TTM Free Cash Flow to Firm	7	6	16	12	3	19	18	17	13	-7	39	27	17	10	13

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	6.03	7.91	4.16	5.59	27.32	5.43	6.09	7.04	10.8	-14.89	3.03	4.2	6.5	12.36	9.56
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-24	-49	-47	-29	-33	-48	-16	-6	11	-205	-438	-419	-219	-198	19
Low Price	3.6	3.69	4.56	6.05	6.2	6.7	8.65	10.3	10.56	5.8	9.3	10.07	8.75	9.2	9.7
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	0.22	- -	- -	- -	- -	2.88	0.35
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	5.45	- -	- -	- -	- -	- -	9,365.81
Price/Earnings	14.37	10.05	17.37	13.72	13.03	15.57	15.46	10.48	9.85	8.72	9.35	10.22	7.63	13.39	10.99
Price/Earnings Average	15.48	9.41	15.89	13.21	12.44	11.61	13.91	10.81	8.85	7.92	9.73	10.48	7.32	11.61	9.81
Price/Earnings High	25.14	12.44	18.97	14.36	13.03	16.2	16.51	12.11	9.85	11.94	10.95	11.51	8.56	13.98	10.99
Price/Earnings Low	12.93	7.81	12.37	12.59	11.54	10.59	12.98	9.59	8.13	5.39	7.63	9.62	6.24	9.89	8.36
Price/Book Value	1.83	1.93	2.43	2.28	2.21	2.76	2.59	2.38	2.25	1.47	1.59	1.39	1.25	1.38	1.3
Price/Book Value Average	1.97	1.81	2.22	2.2	2.11	2.06	2.33	2.46	2.02	1.34	1.65	1.42	1.2	1.2	1.16
Price/Book Value High	3.2	2.39	2.65	2.39	2.21	2.87	2.77	2.75	2.25	2.01	1.86	1.56	1.41	1.44	1.3
Price/Book Value Low	1.64	1.5	1.73	2.09	1.95	1.88	2.17	2.18	1.85	0.91	1.3	1.3	1.03	1.02	0.99
Price/Tangible Book Value	0.8	0.89	1.21	1.15	1.16	1.54	1.51	1.5	1.48	0.99	1.14	1.24	1.1	1.27	1.13
Price/Tangible Book Value Average	0.86	0.83	1.11	1.11	1.11	1.15	1.35	1.55	1.33	0.89	1.19	1.27	1.06	1.1	1.01
Price/Tangible Book Value High	1.4	1.1	1.32	1.2	1.16	1.61	1.61	1.74	1.48	1.35	1.33	1.4	1.23	1.33	1.13
Price/Tangible Book Value Low	0.72	0.69	0.86	1.05	1.03	1.05	1.26	1.38	1.22	0.61	0.93	1.17	0.9	0.94	0.86
Price/Sales	1.29	1.44	1.92	1.92	1.87	2.39	2.42	2.5	2.58	1.73	2.26	2.31	2.01	2.5	2.39
Price/Sales Average	1.39	1.35	1.76	1.85	1.79	1.78	2.17	2.58	2.32	1.57	2.35	2.37	1.93	2.17	2.13
Price/Sales High	2.26	1.78	2.1	2.02	1.87	2.48	2.58	2.89	2.58	2.37	2.64	2.6	2.26	2.61	2.39
Price/Sales Low	1.16	1.12	1.37	1.77	1.66	1.62	2.03	2.29	2.13	1.07	1.84	2.17	1.65	1.85	1.82
Price/Cash Flow	7.11	9.18	5	5.95	39.22	6.33	6.43	7.43	12.05	-13.46	3.07	4.38	7.05	14.23	10.38
Price/Cash Flow Average	7.66	8.6	4.58	5.73	37.44	4.72	5.78	7.67	10.83	-12.22	3.2	4.5	6.76	12.35	9.26
Price/Cash Flow High	12.44	11.36	5.46	6.23	39.22	6.59	6.86	8.59	12.05	-18.42	3.6	4.94	7.91	14.86	10.38
Price/Cash Flow Low	6.4	7.13	3.56	5.46	34.74	4.31	5.4	6.8	9.95	-8.31	2.51	4.13	5.76	10.52	7.9
Price/Free Cash Flow Average	6.5	7.41	3.8	5.38	26.08	4.05	5.48	7.26	9.7	-13.52	3.16	4.31	6.23	10.72	8.53
Price/Free Cash Flow High	10.55	9.79	4.54	5.85	27.32	5.65	6.51	8.13	10.8	-20.38	3.55	4.73	7.29	12.9	9.56
Price/Free Cash Flow Low	5.43	6.14	2.96	5.13	24.19	3.69	5.12	6.44	8.91	-9.2	2.47	3.95	5.32	9.13	7.27
EV/Sales Average	0.87	0.27	1.3	1.6	1.64	0.86	1.87	2.5	1.9	- -	- -	- -	0.27	0.94	0.3
EV/Sales High	1.74	0.71	1.64	1.76	1.73	1.57	2.27	2.81	2.16	- -	- -	- -	0.59	1.38	0.56
EV/Sales Low	0.64	0.04	0.92	1.51	1.52	0.71	1.72	2.21	1.71	- -	- -	- -	- -	0.62	- -
EV/EBITDA Average	19	1.17	6.26	6.11	6.16	13.6	28.1	40.04	48.07	-41.1	-65.42	-56.56	11.09	44.44	8,109.26
EV/EBITDA High	38.07	3.03	7.89	6.73	6.48	24.72	34.2	44.97	54.68	-20.16	-60.37	-53.22	24.68	65.31	15,005.31
EV/EBITDA Low	13.97	0.18	4.39	5.78	5.68	11.14	25.91	35.38	43.29	-54.28	-74.18	-59.35	-0.69	29.25	-303.85
EV/EBIT Average	- -	1.45	9.36	8.44	8.52	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	3.75	11.8	9.29	8.95	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	0.22	6.57	7.98	7.85	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4	4.75	6.4	6.59	7	9.85	10.3	11.25	12.79	9.39	11.4	10.7	10.7	12.45	12.75
High Price	7	5.88	6.99	6.9	7	10.25	11	13	12.79	12.85	13.35	12.05	12	13	12.75
Enterprise Value Average	27	9	44	56	64	37	83	119	100	-90	-200	-190	15	48	16
Enterprise Value High	54	24	55	62	67	67	101	133	113	-44	-184	-179	33	71	30
Enterprise Value Low	20	1	31	53	59	30	77	105	90	-119	-227	-199	-1	32	-1

Shares Outstanding	10	10	10	10	10	10	10	11	11	10	10	10	10	10	10
Diluted Weighted Avg Shares	10	10	10	10	11	11	11	11	11	11	10	10	10	10	10
Basic Weighted Avg Shares	10	10	10	10	10	10	10	11	11	11	10	10	10	10	10
Revenue per Share	3.09	3.3	3.33	3.42	3.74	4.13	4.26	4.5	4.96	5.42	5.05	4.63	5.31	4.98	5.34
EBITDA per Share	0.14	0.77	0.69	0.9	1	0.26	0.28	0.28	0.2	0.21	0.29	0.32	0.13	0.11	- -
Operating Income per Share	- -	0.62	0.46	0.65	0.72	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.28	0.47	0.37	0.48	0.54	0.63	0.67	1.07	1.3	1.08	1.22	1.05	1.4	0.93	1.16
Basic EPS from Cont Ops	0.28	0.47	0.37	0.48	0.54	0.63	0.67	1.07	1.3	1.08	1.22	1.05	1.4	0.93	1.16
Diluted EPS, GAAP	0.28	0.47	0.37	0.48	0.53	0.62	0.65	1.06	1.29	1.07	1.22	1.04	1.4	0.92	1.16
Diluted EPS from Cont Ops	0.28	0.47	0.37	0.48	0.53	0.62	0.65	1.06	1.29	1.07	1.22	1.04	1.4	0.92	1.16
Dividend per Share	- -	0.2	- -	0.2	0.21	0.22	0.23	0.25	0.61	0.38	0.52	0.52	0.53	0.56	0.56
Cash Flow per Share	0.56	0.52	1.28	1.11	0.18	1.55	1.6	1.51	1.06	-0.7	3.71	2.44	1.52	0.87	1.23
Free Cash Flow per Basic Share	0.46	0.43	1.01	1.02	0.1	1.27	1.48	1.41	0.93	-0.76	3.65	2.33	1.39	0.73	1.12
Cash & Equivalents per Share	8.77	11.95	13.32	11.82	12.55	16.59	13.93	13.92	13.41	30.26	54.9	52.45	33.22	33.49	12.56
Book Value per Share	2.19	2.46	2.64	2.89	3.17	3.57	3.98	4.72	5.7	6.38	7.18	7.72	8.53	9.01	9.79
Tangible Book Value per Share	5.01	5.35	5.28	5.74	6.04	6.38	6.84	7.49	8.67	9.52	10.01	8.63	9.72	9.8	11.25

Pacific Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)