Malaga Financial Corporation (MLGF)
OTHER OTC:MLGF
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Malaga Financial
(OTC:MLGF)
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Rating:75Outperform
Price Target:
$26.00
â–²(17.12% Upside)
Action:ReiteratedDate:12/30/25
The score is driven primarily by solid fundamentals (strong profitability and improved leverage) and attractive valuation (low P/E and strong dividend yield). Technicals add support due to positive trend signals, but the very high RSI and the recent slowdown in revenue and free cash flow growth meaningfully limit the upside in the near term.
Positive Factors
Strong Profit Margins
High profit margins indicate efficient operations and pricing power, supporting long-term profitability and competitive positioning.
Negative Factors
High Leverage
High leverage can increase financial risk and limit strategic flexibility, potentially impacting long-term sustainability.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profit Margins
High profit margins indicate efficient operations and pricing power, supporting long-term profitability and competitive positioning.
Read all positive factors
Malaga Financial (MLGF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$214.69M
Dividend Yield4.61%
Average Volume (3M)5.02K
Price to Earnings (P/E)6.9
Beta (1Y)0.08
Revenue Growth-2.21%
EPS Growth-2.69%
CountryUS
Employees70
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.44
Shares Outstanding9,894,988
10 Day Avg. Volume5,684
30 Day Avg. Volume5,022
Financial Highlights & Ratios
PEG Ratio-7.58
Price to Book (P/B)1.00
Price to Sales (P/S)3.03
P/FCF Ratio10.16
Enterprise Value/Market Cap2.21
Enterprise Value/Revenue10.24
Enterprise Value/Gross Profit10.24
Enterprise Value/Ebitda14.57
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 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, certificate...
How the Company Makes Money
Malaga Financial generates revenue primarily through interest income from its lending activities, which includes residential and commercial mortgages. The company earns fees from loan origination, servicing, and processing, contributing to its ove...
Malaga Financial Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
71
Positive
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 46.35M | 69.62M | 68.75M | 53.76M | 49.20M | 49.09M |
| Gross Profit | 46.35M | 45.26M | 46.91M | 43.73M | 40.42M | 38.42M |
| EBITDA | 32.57M | 32.62M | 33.29M | 31.10M | 28.57M | 26.33M |
| Net Income | 32.35M | 22.65M | 22.98M | 21.35M | 19.60M | 18.34M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 1.41B | 1.48B | 1.51B | 1.47B | 1.31B |
| Cash, Cash Equivalents and Short-Term Investments | -330.00M | 11.17M | 173.42M | 227.39M | 9.90M | 11.68M |
| Total Debt | 330.00M | 271.06M | 337.00M | 303.40M | 278.40M | 293.40M |
| Total Liabilities | 330.00M | 1.20B | 1.28B | 1.33B | 1.30B | 1.16B |
| Stockholders Equity | 0.00 | 210.74M | 197.07M | 182.64M | 168.95M | 156.38M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 20.78M | 22.33M | 23.92M | 21.41M | 17.34M |
| Operating Cash Flow | 0.00 | 22.48M | 22.41M | 27.26M | 21.51M | 17.41M |
| Investing Cash Flow | 0.00 | 27.67M | -20.08M | -9.98M | -53.38M | -53.89M |
| Financing Cash Flow | 0.00 | -84.20M | -56.30M | 9.90M | 141.27M | 48.12M |
Malaga Financial Technical Analysis
Positive
22.20
Price Trends
21.51
Positive
21.29
Positive
20.24
Positive
Market Momentum
-0.01
Negative
56.12
Neutral
45.95
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 22.2 is above the 20-day moving average (MA) of 21.44, above the 50-day MA of 21.51, and above the 200-day MA of 20.24, indicating a bullish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 56.12 is Neutral, neither overbought nor oversold. The STOCH value of 45.95 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $214.69M | 6.89 | 13.97% | 4.61% | -2.21% | -2.69% | |
73 Outperform | $255.30M | 10.64 | 9.91% | 2.51% | 12.06% | 10.38% | |
69 Neutral | $210.85M | 8.19 | 11.75% | 3.32% | 9.10% | 12.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $262.73M | 12.82 | 9.98% | 2.49% | 48.94% | 11.61% | |
58 Neutral | $209.78M | 26.01 | 6.63% | 3.11% | -1.45% | -31.32% | |
48 Neutral | $205.63M | -5.18 | -9.44% | 1.07% | 2.49% | -248.43% |
* Financial Sector Average
MLGF
Malaga Financial
21.70
2.98
15.92%
INBK
First Internet Bancorp
23.59
1.51
6.83%
OPBK
OP Bancorp
14.16
3.77
36.22%
FXNC
First National
29.06
10.36
55.40%
FRAF
Franklin Financial Services
56.95
23.61
70.82%
EFSI
Eagle Financial Services
38.76
9.49
32.44%
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.