MLGF Stock Overview
Malaga Financial Corporation operates as the holding company for Malaga Bank that provides various community banking products and services to personal and business customers.
No risks detected for MLGF from our risk checks.
Malaga Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$23.05|
|52 Week High||US$27.19|
|52 Week Low||US$22.52|
|1 Month Change||-1.07%|
|3 Month Change||1.32%|
|1 Year Change||-3.19%|
|3 Year Change||16.52%|
|5 Year Change||2.32%|
|Change since IPO||2,062.24%|
Recent News & Updates
|MLGF||US Banks||US Market|
Return vs Industry: MLGF exceeded the US Banks industry which returned -21.7% over the past year.
Return vs Market: MLGF exceeded the US Market which returned -23% over the past year.
|MLGF Average Weekly Movement||2.0%|
|Banks Industry Average Movement||3.4%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.7%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: MLGF is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: MLGF's weekly volatility (2%) has been stable over the past year.
About the Company
Malaga Financial Corporation operates as the holding company for Malaga Bank that provides various community banking products and services to personal and business customers. It offers checking, savings, NOW, and money market accounts, certificates of deposits, and demand deposits. The company also provides commercial real estate, land, business banking, consumer, and personal loans, as well as single and multi-family residential mortgage loans.
Malaga Financial Fundamentals Summary
|MLGF fundamental statistics|
Is MLGF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|MLGF income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||2.41|
|Net Profit Margin||48.63%|
How did MLGF perform over the long term?See historical performance and comparison
4.3%Current Dividend Yield
Is MLGF undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for MLGF?
Other financial metrics that can be useful for relative valuation.
|What is MLGF's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does MLGF's PE Ratio compare to its peers?
|MLGF PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
CSHX Cashmere Valley Bank
CHMG Chemung Financial
ISTR Investar Holding
HONT Honat Bancorp
MLGF Malaga Financial
Price-To-Earnings vs Peers: MLGF is good value based on its Price-To-Earnings Ratio (9.6x) compared to the peer average (11.2x).
Price to Earnings Ratio vs Industry
How does MLGF's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: MLGF is good value based on its Price-To-Earnings Ratio (9.6x) compared to the US Banks industry average (9.7x)
Price to Earnings Ratio vs Fair Ratio
What is MLGF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||9.6x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate MLGF's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of MLGF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: MLGF ($23.05) is trading below our estimate of fair value ($35.58)
Significantly Below Fair Value: MLGF is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Malaga Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Malaga Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine whether Malaga Financial is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Malaga Financial's filings and announcements here.
How has Malaga Financial performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MLGF has high quality earnings.
Growing Profit Margin: MLGF's current net profit margins (48.6%) are higher than last year (47.9%).
Past Earnings Growth Analysis
Earnings Trend: MLGF's earnings have grown by 10% per year over the past 5 years.
Accelerating Growth: MLGF's earnings growth over the past year (6.9%) is below its 5-year average (10% per year).
Earnings vs Industry: MLGF earnings growth over the past year (6.9%) underperformed the Banks industry 8.5%.
Return on Equity
High ROE: MLGF's Return on Equity (11.6%) is considered low.
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How is Malaga Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: MLGF's Assets to Equity ratio (8.7x) is low.
Allowance for Bad Loans: Insufficient data to determine if MLGF has a sufficient allowance for bad loans.
Low Risk Liabilities: 78% of MLGF's liabilities are made up of primarily low risk sources of funding.
Loan Level: MLGF has an appropriate level of Loans to Assets ratio (85%).
Low Risk Deposits: MLGF's Loans to Deposits ratio (122%) is appropriate.
Level of Bad Loans: Insufficient data to determine if MLGF has an appropriate level of bad loans.
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What is Malaga Financial current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
|Malaga Financial Dividend Yield vs Market|
|Company (Malaga Financial)||4.3%|
|Market Bottom 25% (US)||1.7%|
|Market Top 25% (US)||4.7%|
|Industry Average (Banks)||3.4%|
|Analyst forecast in 3 Years (Malaga Financial)||n/a|
Notable Dividend: MLGF's dividend (4.34%) is higher than the bottom 25% of dividend payers in the US market (1.66%).
High Dividend: MLGF's dividend (4.34%) is low compared to the top 25% of dividend payers in the US market (4.57%).
Stability and Growth of Payments
Stable Dividend: MLGF's dividends per share have been stable in the past 10 years.
Growing Dividend: MLGF's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (41.4%), MLGF's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Randy Bowers (72 yo)
Mr. Randy C. Bowers has been the Chief Executive Officer and President of Malaga Financial Corp. since November 20, 2006. Mr. Bowers serves as the Chief Executive Officer and President of Malaga Bank FSB,...
Experienced Management: MLGF's management team is seasoned and experienced (12.4 years average tenure).
Experienced Board: MLGF's board of directors are considered experienced (7.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Malaga Financial Corporation's employee growth, exchange listings and data sources
- Name: Malaga Financial Corporation
- Ticker: MLGF
- Exchange: OTCPK
- Founded: 2002
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$188.472m
- Shares outstanding: 8.14m
- Website: https://www.malagabank.com
Number of Employees
- Malaga Financial Corporation
- 2514 Via Tejon
- Palos Verdes Estates
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|MLGF||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Feb 1996|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/26 00:00|
|End of Day Share Price||2022/09/26 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.