Malaga Financial Corporation (MLGF) Fair Value & Analysis

Financial Services · US · Market cap $216M

A solid business, screening 30% undervalued on our models.

What matters now

• Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $9.81 – $22.75 · fair‑value band $21.24 – $35.40 · the $21.86 price screens below the $28.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

Full chart & analysis →

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Analysis

Malaga Financial Corporation (MLGF) currently trades at $21.86, while our model-based Fair Value estimate is $28.32, implying the stock looks roughly 29.6% undervalued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Malaga Financial Corporation generated revenue of $45.2M at a net margin of 47.7%. Revenue declined 1.8% year over year. It earns a return on equity of 9.9%. Net debt stands at $254M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $21.24 (bear case) to $35.40 (bull case); at $21.86, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 5% below its 52-week high and 19% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 30%, MLGF screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($28.32) versus Dividend Discount ($9.63). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Malaga Financial Corporation operates as the holding company for Malaga Bank that provides various community banking products and services to personal and business customers in the United States. It offers checking, savings, and money market accounts; certificates of deposit, as well as digital wallet services.

Full 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 in the United States. It offers checking, savings, and money market accounts; certificates of deposit, as well as digital wallet services. The company also provides business loans comprising loans and lines of credit, revolving lines of credit, term loans, equity lines of credit, income property loans, and specialty lending; multifamily, 1"4-unit investment property, and commercial real estate loans; and home equity lines of credit. In addition, it offers online banking, mobile banking, bill pay, e-statements, Malaga mobile app, mobile deposit, person 2 person, e-ACH, Positive Pay fraud mitigation tool, and electronic deposit services for businesses; and banking services, including ATM and chip enabled debit cards, bank by mail, medallion signature guarantee, night depository, notary service, safe deposit boxes, and trust deed note collection. The company was founded in 1985 and is headquartered in Palos Verdes Estates, California.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Malaga Financial Corporation reported revenue of $69.5M in FY2025 versus $49.2M in FY2021, a compound +9.0%/yr. Reported net income was $21.6M in FY2025, compounding +2.4%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Insider activity: 38/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.