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Malaga Financial Corporation (MLGF)

USD21.90 +0.33 (+1.53%)
US OTC Financial Services Banks - Regional
Address 2514 Via Tejon 90274
Palos Verdes Estates, CA, US
CEO Randy C. Bowers
IPO 1996-02-28
ISIN US5610461031

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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, savings, NOW, and money market accounts, in addition to certificates of deposit and demand deposits. The institution also provides various lending solutions, such as commercial real estate, land acquisition, business financing, consumer, and personal loans, alongside single and multi-family residential mortgage options. Furthermore, Malaga Bank delivers numerous supplementary services, including coupon and U.S. savings bond redemption, direct deposit, overdraft lines of credit, telephone transfers, and wire transfer capabilities. Customers can also access ATM and VISA debit cards, bank by mail, medallion signature guarantee, night depository services, notary publics, secure safe deposit boxes, and trust deed note collection. For digital convenience, the company offers comprehensive online banking, featuring bill payment, electronic statements, and mobile banking applications. As of December 31, 2021, Malaga Financial Corporation maintained five branch offices across 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.

News Sentiment (7d)
78 Positive

Based on only 1 article — low confidence

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD21.90 +0.33 (+1.53%)
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Volume Profile
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Liquidity & share structure
Average Volume
2.6K
Beta
0.10
Float Shares
9.85M
Free Float %
99.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -1.36% +0.84% -1.45% +2.65% +0.84% +5.39% +4.03% +5.49% +4.58% +2,256.44%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
21.90
DCF (Unlevered) 35.64 +62.7%
DCF (Levered) 38.75 +77.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.30
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    -0.2% Q2'26: +5.2% (vs Q2'25)
  • EPS growth
    -9.5% Q2'26: -1.7% (vs Q2'25)
  • FCF margin
    Q2'26: +0.0% (vs Q2'25)
  • EBIT margin
    Q2'26: +67.5% (vs Q2'25)
  • ROIC
    Q2'26: +6.5% (vs Q2'25)
  • Share dilution
    +0.0% Q2'26: +43.2% (vs Q2'25)
  • Debt / EBITDA
    Q2'26: 8.62× (vs Q2'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.09) × ERP
WACC = 44% × Ke + 56% × Kd (9.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 35.64 Current price: 21.90
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-22 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-20 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-15 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-14 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-13 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-12 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-11 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-06 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-05 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-04 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-05-01 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-30 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-29 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-28 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-27 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-24 C 2/5 4/5 1/5 1/5 1/5 3/5 1/5
2026-04-23 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-22 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5
2026-04-21 A- 4/5 4/5 4/5 5/5 1/5 4/5 3/5
2026-04-20 A- 4/5 4/5 4/5 5/5 1/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.30M
OE per share TTM
0.14
Owner's Yield
0.60%
Maintenance CapEx ratio
1.02%
Maint CapEx / Avg PPE
26.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
435.6K
Shares Outstanding
9.89M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
David Iwasaka Vice President & Controller
Donald Lee Senior Vice President of Risk & BSA Officer
Jasna Penich Executive VP, CFO, COO & Director female
Jerry A. Donahue Corporate Secretary & Director male
Randy C. Bowers Chairman, President & Chief Executive Officer male
Sacha Duncan Senior Vice President of Retail Banking Manager female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits