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Malaga Financial
(OTC:MLGF)
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Rating:67Neutral
Price Target:
$24.00
â–²(10.55% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by solid profitability/cash conversion but tempered by the sharp 2025 revenue drop and slightly softer ROE. Attractive valuation (low P/E and strong dividend yield) provides meaningful support, while technical signals are broadly neutral and do not add strong conviction.
Positive Factors
Strong net profit margins
Sustained high net margins provide durable earnings power versus peers, supporting internal capital generation, dividend capacity and loss-absorption. Even with top-line volatility, wide margins give time to restore revenues without immediate profitability impairment.
Negative Factors
Sharp 2025 revenue decline
A 36% revenue drop is a structural red flag for earnings durability: it can force cost cuts, reduce scale benefits, and pressure capital if prolonged. Restoring growth may take multiple quarters and risks compressing ROE and dividend capacity during recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong net profit margins
Sustained high net margins provide durable earnings power versus peers, supporting internal capital generation, dividend capacity and loss-absorption. Even with top-line volatility, wide margins give time to restore revenues without immediate profitability impairment.
Read all positive factors
Malaga Financial (MLGF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$223.13M
Dividend Yield4.39%
Average Volume (3M)5.02K
Price to Earnings (P/E)9.8
Beta (1Y)0.07
Revenue Growth3.43%
EPS Growth3.72%
CountryUS
Employees74
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.61
Shares Outstanding9,894,988
10 Day Avg. Volume5,684
30 Day Avg. Volume5,022
Financial Highlights & Ratios
PEG Ratio-1.03
Price to Book (P/B)0.91
Price to Sales (P/S)2.92
P/FCF Ratio8.35
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Malaga Financial Business Overview & Revenue Model
Company Description
Malaga Financial Corporation serves as the parent company for Malaga Bank, offering a full spectrum of community banking products and services tailored for both individual and business customers. Its diverse range of deposit options includes check...
How the Company Makes Money
MLGF makes money primarily through its banking subsidiary by earning interest income on loans and investment securities, funded by customer deposits and other borrowings. A key revenue stream is net interest income (the spread between interest ear...
Malaga Financial Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
58
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 46.35M | 69.46M | 69.62M | 68.75M | 53.76M | 49.20M |
| Gross Profit | 46.35M | 45.26M | 45.26M | 46.91M | 43.73M | 40.42M |
| EBITDA | 32.57M | 31.25M | 32.62M | 33.29M | 31.10M | 28.57M |
| Net Income | 32.35M | 21.55M | 22.65M | 22.98M | 21.35M | 19.60M |
Balance Sheet | ||||||
| Total Assets | 1.55B | 1.43B | 1.41B | 1.48B | 1.51B | 1.47B |
| Cash, Cash Equivalents and Short-Term Investments | -330.00M | 9.82M | 11.17M | 173.42M | 227.39M | 9.90M |
| Total Debt | 330.00M | 263.40M | 271.06M | 337.00M | 303.40M | 278.40M |
| Total Liabilities | 330.00M | 1.21B | 1.20B | 1.28B | 1.33B | 1.30B |
| Stockholders Equity | 0.00 | 222.87M | 210.74M | 197.07M | 182.64M | 168.95M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 24.27M | 20.78M | 22.33M | 23.92M | 21.41M |
| Operating Cash Flow | 0.00 | 24.79M | 22.48M | 22.41M | 27.26M | 21.51M |
| Investing Cash Flow | 0.00 | 376.00K | 27.67M | -20.08M | -9.98M | -53.38M |
| Financing Cash Flow | 0.00 | 226.00K | -84.20M | -56.30M | 9.90M | 141.27M |
Malaga Financial Technical Analysis
Positive
21.71
Price Trends
22.03
Positive
21.72
Positive
21.37
Positive
Market Momentum
0.19
Negative
52.66
Neutral
39.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MLGF, the sentiment is Positive. The current price of 21.71 is below the 20-day moving average (MA) of 22.27, below the 50-day MA of 22.03, and above the 200-day MA of 21.37, indicating a bullish trend. The MACD of 0.19 indicates Negative momentum. The RSI at 52.66 is Neutral, neither overbought nor oversold. The STOCH value of 39.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MLGF.
Malaga Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $281.23M | 12.87 | 11.51% | 2.49% | 7.47% | 141.95% | |
71 Outperform | $279.42M | 11.29 | 14.00% | 2.14% | 10.02% | 67.97% | |
71 Outperform | $228.10M | 12.08 | 9.83% | 3.06% | 20.33% | 59.91% | |
70 Outperform | $227.57M | 7.71 | 12.59% | 3.19% | 7.19% | 31.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $223.13M | 9.83 | 10.20% | 4.46% | 3.43% | 3.72% | |
59 Neutral | $248.95M | -7.64 | -8.75% | 0.91% | -9.20% | -302.27% |
* Financial Sector Average
MLGF
Malaga Financial
22.50
4.09
22.19%
INBK
First Internet Bancorp
27.41
2.39
9.55%
OPBK
OP Bancorp
15.03
1.41
10.33%
FXNC
First National
30.89
8.12
35.65%
FRAF
Franklin Financial Services
62.08
16.60
36.50%
EFSI
Eagle Financial Services
41.80
6.41
18.12%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.