Malaga Financial (MLGF) AI Stock Analysis

• Market Cap: $198.66M
• Dividend Yield: 4.63%
• Average Volume (3M): 3.11K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 0.09
• Revenue Growth: -3.23%
• EPS Growth: -5.31%
• Country: US
• Employees: 70
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.59
• Shares Outstanding: 9,423,976
• 10 Day Avg. Volume: 2,306
• 30 Day Avg. Volume: 3,109
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.07
• Enterprise Value/Revenue: 4.57
• Enterprise Value/Gross Profit: 4.57
• Enterprise Value/Ebitda: 6.54
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: ―

Malaga Financial presents a solid investment opportunity with strong financial health, no debt, and attractive valuation. However, the recent decline in revenue and free cash flow poses potential challenges, which need monitoring. Technical indicators show mild bullish momentum, supporting a stable outlook.

Malaga Financial Business Overview & Revenue Model

Company Description

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. In addition, it offers coupon redemption, direct deposit, overdraft lines of credit, telephone transfers, U.S. savings bond redemption, and wire transfer services; and ATM and VISA debit cards, bank by mail, medallion signature guarantee, night depository, notary, safe deposit boxes, and trust deed note collection services. Further, the company provides online banking services, including bill payer, e-statements, and mobile banking services. As of December 31, 2021, it operated five branch offices in Palos Verdes Estates, Rolling Hills Estates, Torrance, and San Pedro, California. The company was founded in 2002 and is headquartered in Palos Verdes Estates, California.

How the Company Makes Money

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Malaga Financial Financial Statement Overview

Summary

Malaga Financial is in a solid financial position with strong profitability and no current debt. However, the recent decline in revenue and free cash flow suggests potential future challenges. Continued focus on revenue growth and cash flow management will be essential to maintain its robust financial health.

Income Statement

Malaga Financial shows a consistent revenue stream with a slight decrease over the last year, moving from $46.9M to $45.3M. The gross profit margin remains strong at 100% due to the nature of the financial industry. Net profit margin is robust at around 50%, reflecting efficient cost management. However, the declining EBIT suggests potential challenges in maintaining operational efficiency.

Balance Sheet

The company exhibits a strong equity base with a debt-to-equity ratio of 0, indicating no current debt. Return on Equity is high, around 10.74%, suggesting effective use of equity to generate profits. The equity ratio of 14.9% points to a healthy level of shareholder equity relative to total assets.

Cash Flow

Operating cash flow is stable, though free cash flow has seen a slight decline from $22.3M to $20.8M. The operating cash flow to net income ratio is approximately 0.99, demonstrating good cash generation relative to net earnings. However, the decline in free cash flow indicates potential pressures on liquidity.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	45.26M	46.91M	53.76M	49.20M	38.42M
Gross Profit	45.26M	46.91M	43.73M	40.31M	38.42M
EBITDA	32.62M	33.29M	31.10M	28.57M	0.00
Net Income	22.65M	22.98M	21.35M	19.60M	18.34M
Balance Sheet
Total Assets	1.41B	1.48B	1.51B	1.48B	1.31B
Cash, Cash Equivalents and Short-Term Investments	11.17M	173.42M	227.39M	200.21M	90.80M
Total Debt	0.00	337.00M	306.66M	281.41M	296.79M
Total Liabilities	1.20B	1.28B	1.33B	1.31B	1.16B
Stockholders Equity	210.74M	197.07M	182.64M	168.95M	156.38M
Cash Flow
Free Cash Flow	20.78M	22.33M	23.92M	21.41M	17.34M
Operating Cash Flow	22.48M	22.41M	27.26M	21.51M	17.41M
Investing Cash Flow	27.67M	-20.08M	-9.98M	-53.38M	-53.89M
Financing Cash Flow	-84.20M	-56.30M	9.90M	141.27M	48.12M

Malaga Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 21.08
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 21.08 is above the 20-day moving average (MA) of 20.34, above the 50-day MA of 20.41, and above the 200-day MA of 20.59, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 62.38 is Neutral, neither overbought nor oversold. The STOCH value of 92.06 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MLGF.

Malaga Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LCNB	77 Outperform	227.10M	10.72	5.33%	5.49%	14.84%	169.99%
PWOD	76 Outperform	228.43M	10.75	10.05%	4.27%	14.11%	29.41%
MBCN	76 Outperform	261.43M	14.42	7.37%	2.57%	7.42%	15.82%
MLGF	72 Outperform	$198.66M	9.21	14.89%	4.63%	-3.23%	-5.31%
PVBC	62 Neutral	227.28M	20.39	3.15%	―	-3.01%	48.26%
BPRN	57 Neutral	215.33M	33.86	2.61%	3.76%	16.39%	-72.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%