Malaga Financial AI Stock Analysis
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Malaga Financial (MLGF) AI Stock Analysis
Malaga Financial
(Other OTC:MLGF)
The score is driven primarily by solid financial quality (strong profitability and good cash conversion) but held back by the sharp 2025 revenue decline and some softening in ROE. Valuation is a clear positive (low P/E and ~4.45% yield), while technicals are modestly supportive with a mild uptrend and neutral momentum.
Malaga Financial (MLGF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $226.30M
- Dividend Yield
- 4.30%
- Average Volume (3M)
- 2,378
- Price to Earnings (P/E)
- 9.8
- Beta (1Y)
- 0.06
- Revenue Growth
- 7.35%
- EPS Growth
- 6.48%
- Country
- US
- Employees
- 74
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 checking...
Malaga Financial Financial Statement Overview
Summary
Strong profitability and good cash conversion support the score, with free cash flow closely tracking net income and generally healthy margins. Offsetting this, revenue fell sharply in 2025 (-36.4% YoY), creating meaningful near-term uncertainty, and ROE has softened recently while leverage remains above 1x despite improvement.
Income Statement
63PositiveBalance Sheet
58NeutralCash Flow
70Positive| 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 | 222.87M | 210.74M | 197.07M | 182.64M | 168.95M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 24.27M | 20.78M | 22.33M | 23.92M | 21.41M |
| Operating Cash Flow | 0 | 24.79M | 22.48M | 22.41M | 27.26M | 21.51M |
| Investing Cash Flow | 0 | 376.00K | 27.67M | -20.08M | -9.98M | -53.38M |
| Financing Cash Flow | 0 | 226.00K | -84.20M | -56.30M | 9.90M | 141.27M |
Malaga Financial Technical Analysis
Price Trends
Market Momentum
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 23.23 is above the 20-day moving average (MA) of 22.53, above the 50-day MA of 22.28, and above the 200-day MA of 21.60, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 63.09 is Neutral, neither overbought nor oversold. The STOCH value of 88.25 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
Overall Rating
FRAF79Outperform
EFSI76Outperform
OPBK70Outperform
FXNC69Neutral- MLGF68Neutral
INBK66Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FRAF | 79Outperform | $314.06M | 11.24 | 15.56% | 1.94% | 7.25% | 76.40% |
| EFSI | 76Outperform | $249.01M | 13.94 | 9.27% | 2.70% | 17.02% | 47.37% |
| OPBK | 70Outperform | $223.39M | 7.41 | 12.79% | 3.61% | 7.48% | 28.18% |
| FXNC | 69Neutral | $274.16M | 11.77 | 12.06% | 2.27% | 0.88% | 103.52% |
| MLGF | 68Neutral | $226.30M | 9.77 | 10.75% | 4.30% | 7.35% | 6.48% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| INBK | 66Neutral | $221.83M | 14.75 | 4.17% | 0.95% | 7.39% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| MLGF | Malaga Financial Corporation | 23.23 | 3.26 | 16.31% | |
| INBK | First Internet Bancorp | 25.36 | 8.28 | 48.50% | |
| OPBK | Op Bancorp | 14.97 | 2.77 | 22.68% | |
| FXNC | First National Corp | 30.02 | 7.10 | 30.95% | |
| FRAF | Franklin Financial Services | 69.69 | 22.82 | 48.68% | |
| EFSI | Eagle Financial Services | 46.01 | 12.20 | 36.08% |
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.
Date of analysis: Nov 04, 2026