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Malaga FinancialMLGF -0.22%54 3-Year Book Growth Rate is 6.90% as of Dec. 2025, which is 14% below its 10-year median of 8.00. GuruFocus rates MLGF with a GF Score™ of 54/100 and a GF Value™ of $20.22 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,492 Banks companies, Malaga Financial ranks worse than 61.53% on this metric.
During the past 12 months, Malaga Financial's average Book Value per Share Growth Rate was 5.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 14.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Malaga Financial was 42.50% per year. The lowest was 6.90% per year. And the median was 8.00% per year.
Malaga Financial (OTCPK:MLGF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Malaga Financial 3-Year Book Growth Rate Related Terms
MLGF vs KISB, CMTV, CZWI: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Malaga Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Malaga Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Malaga Financial's 3-Year Book Growth Rate falls into.
Malaga Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 6.90% mean?
Malaga Financial (MLGF) has a 3-Year Book Growth Rate of 6.90% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Malaga Financial and its competitors. This is 14% below median its historical median of 8.00. Over the past decade, Malaga Financial's 3-Year Book Growth Rate has ranged from 6.90 to 42.50. According to the industry distribution chart, Malaga Financial ranks #918 out of 1492 companies in the Banks industry, placing it in the top 61.5%.
Is Malaga Financial's 3-Year Book Growth Rate too high?
Malaga Financial's current 3-Year Book Growth Rate of 6.90% is 14% below median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 6.90 to a high of 42.50. The Banks industry median 3-Year Book Growth Rate is 8.80. Malaga Financial's value of 6.90% is 21.6% below this industry median. Based on the distribution chart, Malaga Financial ranks #918 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, Malaga Financial has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Malaga Financial's 3-Year Book Growth Rate compare to KISB and CMTV?
According to the Banks industry distribution chart, Malaga Financial ranks #918 out of 1492 companies for 3-Year Book Growth Rate. This places Malaga Financial in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Malaga Financial's value of 6.90% is 21.6% below this benchmark. Historically, Malaga Financial's own 3-Year Book Growth Rate has ranged from 6.90 to 42.50 over the past decade. While the company's 10-year median is 8.00 vs. the industry median of 8.80, Malaga Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current 3-Year Book Growth Rate of 6.90% is 21.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Malaga Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current 3-Year Book Growth Rate is 6.90%, which is 14% below median its own 10-year median of 8.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Malaga Financial stock overvalued right now?
Based on GuruFocus' analysis, Malaga Financial (MLGF) is currently considered Modestly Overvalued. The stock's GF Value™ is $20.22, compared to a current price of $22.45 — trading 11% above its estimated fair value. The current 3-Year Book Growth Rate is 6.90%, which is 14% below median its 10-year median of 8.00 and 21.6% below the Banks industry median of 8.80. Malaga Financial's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Malaga Financial (MLGF), the current 3-Year Book Growth Rate is 6.90% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Malaga Financial (MLGF) Overvalued in 2026?
Based on GuruFocus' analysis, Malaga Financial stock appears to be overvalued.
The current stock price of $22.45 is trading 11% above its estimated GF Value™ of $20.22.
GuruFocus considers Malaga Financial to be Modestly Overvalued.
Key valuation signals for MLGF:
3-Year Book Growth Rate: 6.90% (14% below median its 10-year median of 8.00)
GF Value™: $20.22 vs. price of $22.45 (11% above fair value)
Industry Position: 21.6% below the Banks median (#918 of 1492)
No single metric tells the full story. See the MLGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Malaga Financial Corp is a full-service community bank. The bank is a real estate lender concentrating on financing apartments, construction projects, and single-family residences. Its operations are related to traditional banking activities, including the acceptance of deposits and the lending and investing of money. Its customers consist of individuals and small-to-midsize businesses located in the Palos Verdes Peninsula and adjoining areas of Los Angeles and Orange Counties, California.
54GF Score
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