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Malaga FinancialMLGF +3.41%56 Equity-to-Asset is 0.16 as of Dec. 2025, which is 33% above its 10-year median of 0.12. GuruFocus rates MLGF with a GF Score™ of 56/100 and a GF Value™ of $20.20 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Malaga Financial ranks better than 89.25% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Malaga Financial's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $222.87 Mil. Malaga Financial's Total Assets for the quarter that ended in Dec. 2025 was $1,434.98 Mil.
Therefore, Malaga Financial's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.16.
The historical rank and industry rank for Malaga Financial's Equity-to-Asset or its related term are showing as below:
MLGF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.12 Max: 0.16
Current: 0.16
During the past 13 years, the highest Equity to Asset Ratio of Malaga Financial was 0.16. The lowest was 0.12. And the median was 0.12.
MLGF's Equity-to-Asset is ranked better than 89.25% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs MLGF: 0.16
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Malaga Financial Equity-to-Asset Related Terms
Malaga Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Malaga Financial's Equity-to-Asset 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.
MLGF vs OVBC, CBTN, QNBC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Malaga Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Malaga Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Malaga Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.16 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Malaga Financial and its competitors. This is 33% above median its historical median of 0.12. Over the past decade, Malaga Financial's Equity-to-Asset has ranged from 0.12 to 0.16. According to the industry distribution chart, Malaga Financial ranks #164 out of 1526 companies in the Banks industry, placing it in the top 10.7%.
Is Malaga Financial's Equity-to-Asset too high?
Malaga Financial's current Equity-to-Asset of 0.16 is 33% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. Malaga Financial's value of 0.16 is 60% above this industry median. Based on the distribution chart, Malaga Financial ranks #164 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Malaga Financial has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Malaga Financial's Equity-to-Asset compare to OVBC and CBTN?
According to the Banks industry distribution chart, Malaga Financial ranks #164 out of 1526 companies for Equity-to-Asset. This places Malaga Financial in the top 11% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Malaga Financial's value of 0.16 is 60% above this benchmark. Historically, Malaga Financial's own Equity-to-Asset has ranged from 0.12 to 0.16 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, Malaga Financial has consistently been above 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current Equity-to-Asset of 0.16 is 60% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Malaga Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current Equity-to-Asset is 0.16, which is 33% above median its own 10-year median of 0.12. 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 $20.20, compared to a current price of $22.75 — trading 12.6% above its estimated fair value. The current Equity-to-Asset is 0.16, which is 33% above median its 10-year median of 0.12 and 60% above the Banks industry median of 0.10. Malaga Financial's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Equity-to-Asset is 0.16 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 $22.75 is trading 12.6% above its estimated GF Value™ of $20.20.
GuruFocus considers Malaga Financial to be Modestly Overvalued.
Key valuation signals for MLGF:
Equity-to-Asset: 0.16 (33% above median its 10-year median of 0.12)
GF Value™: $20.20 vs. price of $22.75 (12.6% above fair value)
Industry Position: 60% above the Banks median (#164 of 1526)
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.
56GF Score
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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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