Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Malaga FinancialMLGF -0.22%54 Cash-to-Debt is 0.04 as of Dec. 2025, which is at its 10-year median of 0.04. 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 1,487 Banks companies, Malaga Financial ranks worse than 97.04% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Malaga Financial's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.04.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Malaga Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Malaga Financial's Cash-to-Debt or its related term are showing as below:
MLGF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.04 Max: 0.18
Current: 0.04
During the past 13 years, Malaga Financial's highest Cash to Debt Ratio was 0.18. The lowest was 0.03. And the median was 0.04.
MLGF's Cash-to-Debt is ranked worse than 97.04% of 1487
companies
in the Banks industry
Industry Median: 1.4
vs MLGF: 0.04
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Malaga Financial Cash-to-Debt Related Terms
Malaga Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Malaga Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Malaga Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Malaga Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Malaga Financial (MLGF) has a Cash-to-Debt of 0.04 as of Dec. 2025. This is near median its historical median of 0.04. Over the past decade, Malaga Financial's Cash-to-Debt has ranged from 0.03 to 0.18. According to the industry distribution chart, Malaga Financial ranks #1443 out of 1487 companies in the Banks industry, placing it in the top 97%.
Is Malaga Financial's Cash-to-Debt too high?
Malaga Financial's current Cash-to-Debt of 0.04 is near median its 10-year median of 0.04. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.18. The Banks industry median Cash-to-Debt is 1.40. Malaga Financial's value of 0.04 is 97.1% below this industry median. Based on the distribution chart, Malaga Financial ranks #1443 out of 1487 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Cash-to-Debt compare to KISB and CMTV?
According to the Banks industry distribution chart, Malaga Financial ranks #1443 out of 1487 companies for Cash-to-Debt. This places Malaga Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Malaga Financial's value of 0.04 is 97.1% below this benchmark. Historically, Malaga Financial's own Cash-to-Debt has ranged from 0.03 to 0.18 over the past decade. While the company's 10-year median is 0.04 vs. the industry median of 1.40, 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current Cash-to-Debt of 0.04 is 97.1% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current Cash-to-Debt is 0.04, which is near median its own 10-year median of 0.04. 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 Cash-to-Debt is 0.04, which is near median its 10-year median of 0.04 and 97.1% below the Banks industry median of 1.40. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Cash-to-Debt is 0.04 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:
Cash-to-Debt: 0.04 (near median its 10-year median of 0.04)
GF Value™: $20.22 vs. price of $22.45 (11% above fair value)
Industry Position: 97.1% below the Banks median (#1443 of 1487)
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
Get the complete analysis for MLGF
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MLGF has been successfully added to your 
