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Malaga FinancialMLGF +4.14%54 3-Year EPS without NRI Growth Rate is 0.20% as of Dec. 2025, which is 98% below its 10-year median of 8.40. GuruFocus rates MLGF with a GF Scoreâ„¢ of 54/100 and a GF Valueâ„¢ of $20.22 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,412 Banks companies, Malaga Financial ranks worse than 71.6% on this metric.
During the past 12 months, Malaga Financial's average EPS without NRI Growth Rate was -3.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 0.20% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 3.50% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 14.90% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Malaga Financial was 51.30% per year. The lowest was -5.90% per year. And the median was 8.40% per year.
Malaga Financial (OTCPK:MLGF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Malaga Financial 3-Year EPS without NRI Growth Rate Related Terms
MLGF vs KISB, CMTV, CZWI: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Malaga Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Malaga Financial's 3-Year EPS without NRI Growth Rate falls into.
Malaga Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 0.20% mean?
Malaga Financial (MLGF) has a 3-Year EPS without NRI Growth Rate of 0.20% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Malaga Financial and its competitors. This is 98% below median its historical median of 8.40. According to the industry distribution chart, Malaga Financial ranks #1011 out of 1412 companies in the Banks industry, placing it in the top 71.6%.
Is Malaga Financial's 3-Year EPS without NRI Growth Rate too high?
Malaga Financial's current 3-Year EPS without NRI Growth Rate of 0.20% is 98% below median its 10-year median of 8.40. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Malaga Financial's value of 0.20% is 97.3% below this industry median. Based on the distribution chart, Malaga Financial ranks #1011 out of 1412 companies in the Banks industry, which is below the industry midpoint. Overall, Malaga Financial has a GF Scoreâ„¢ 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 EPS without NRI Growth Rate compare to KISB and CMTV?
According to the Banks industry distribution chart, Malaga Financial ranks #1011 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This places Malaga Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Malaga Financial's value of 0.20% is 97.3% below this benchmark. While the company's 10-year median is 8.40 vs. the industry median of 7.50, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 0.20% is 97.3% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Malaga Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current 3-Year EPS without NRI Growth Rate is 0.20%, which is 98% below median its own 10-year median of 8.40. 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 $23.45 — trading 16% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 0.20%, which is 98% below median its 10-year median of 8.40 and 97.3% below the Banks industry median of 7.50. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Malaga Financial (MLGF), the current 3-Year EPS without NRI Growth Rate is 0.20% 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 $23.45 is trading 16% above its estimated GF Value™ of $20.22.
GuruFocus considers Malaga Financial to be Modestly Overvalued.
Key valuation signals for MLGF:
3-Year EPS without NRI Growth Rate: 0.20% (98% below median its 10-year median of 8.40)
GF Value™: $20.22 vs. price of $23.45 (16% above fair value)
Industry Position: 97.3% below the Banks median (#1011 of 1412)
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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