How does MLGF's PE Ratio compare to its peers?

MLGF is good value based on its Price-To-Earnings Ratio (9.2x) compared to the peer average (15.6x).

How does MLGF's PE Ratio compare vs other companies in the US Banks Industry?

MLGF is good value based on its Price-To-Earnings Ratio (9.2x) compared to the US Banks industry average (12.4x).

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.

Insufficient data to calculate MLGF's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of MLGF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

MLGF ($22.4) is trading below our estimate of [[fair value]] ($35.92)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

MLGF Stock Overview

Operates as the holding company for Malaga Bank that provides various community banking products and services to personal and business customers. More details

MLGF fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	3/6
Dividends	3/6

Rewards

Trading at 37.6% below our estimate of its fair value

Earnings grew by 7.6% over the past year

Risk Analysis

Latest financial reports are more than 6 months old

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Malaga Financial Corporation Competitors

Truxton

OTCPK:TRUX

US$211.6m

Cashmere Valley Bank

OTCPK:CSHX

US$214.3m

Investar Holding

NasdaqGM:ISTR

US$219.8m

First National

NasdaqCM:FXNC

US$217.6m

Price History & Performance

Summary of share price highs, lows and changes for Malaga Financial
Historical stock prices
Current Share Price	US$22.40
52 Week High	US$22.75
52 Week Low	US$21.19
Beta	0.50
1 Month Change	3.34%
3 Month Change	2.93%
1 Year Change	-0.97%
3 Year Change	-1.22%
5 Year Change	24.57%
Change since IPO	2,332.49%

Recent updates

Shareholder Returns

	MLGF	US Banks	US Market
7D	2.7%	-3.5%	-2.7%
1Y	-1.0%	29.1%	23.4%

Return vs Industry: MLGF underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: MLGF underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is MLGF's price volatile compared to industry and market?
MLGF volatility
MLGF Average Weekly Movement	1.3%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: MLGF has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: MLGF's weekly volatility (1%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2002	70	Randy Bowers	www.malagabank.com

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, business banking, consumer, and demand deposits. The company also provides commercial real estate, single and multi-family residential mortgage, consumer, 1–4-unit investment property, construction, personal, and business loans; home equity lines of credit; and certificates of deposit.

Malaga Financial Corporation Fundamentals Summary

How do Malaga Financial's earnings and revenue compare to its market cap?
MLGF fundamental statistics
Market cap	US$212.04m
Earnings (TTM)	US$22.98m
Revenue (TTM)	US$46.83m

9.2x

P/E Ratio

1.1x

P/B Ratio

Is MLGF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MLGF income statement (TTM)
Revenue	US$46.83m
Cost of Revenue	US$0
Gross Profit	US$46.83m
Other Expenses	US$23.85m
Earnings	US$22.98m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	2.44
Gross Margin	100.00%
Net Profit Margin	49.07%
Debt/Equity Ratio	169.2%

How did MLGF perform over the long term?

See historical performance and comparison

Dividends

4.3%

Current Dividend Yield

37%

Payout Ratio

Does MLGF pay a reliable dividends?

See MLGF dividend history and benchmarks

When do you need to buy MLGF by to receive an upcoming dividend?
Malaga Financial dividend dates
Ex Dividend Date	Dec 20 2024
Dividend Pay Date	Jan 02 2025
Days until Ex dividend	4 days
Days until Dividend pay date	9 days

Does MLGF pay a reliable dividends?

See MLGF dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 01:44
End of Day Share Price	2024/12/23 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Malaga Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution