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Malaga FinancialMLGF -3.13%60 EV-to-FCF is 19.29 as of Jul. 30, 2026, which is 13% below its 10-year median of 22.19. GuruFocus rates MLGF with a GF Score™ of 60/100 and a GF Value™ of $20.20 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,191 Banks companies, Malaga Financial ranks worse than 80.94% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Malaga Financial's Enterprise Value is $468.30 Mil.
Malaga Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $24.27 Mil. Therefore, Malaga Financial's EV-to-FCF for today is 19.29.
The historical rank and industry rank for Malaga Financial's EV-to-FCF or its related term are showing as below:
MLGF'
s EV-to-FCF Range Over the Past 10 Years
Min: 19.13 Med: 22.19 Max: 41.86
Current: 19.29
During the past 13 years, the highest EV-to-FCF of Malaga Financial was 41.86. The lowest was 19.13. And the median was 22.19.
MLGF's EV-to-FCF is ranked worse than 80.94% of 1191
companies
in the Banks industry
Industry Median: 7.24
vs MLGF: 19.29
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Malaga Financial's PE Ratio (TTM) for today is calculated as:
Malaga Financial's share price for today is $21.70.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Malaga Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.180.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Malaga Financial EV-to-FCF Related Terms
Malaga Financial EV-to-FCF Historical Data
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The historical data trend for Malaga Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, Malaga Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Malaga Financial's EV-to-FCF falls into.
Malaga Financial's current Enterprise Value is $468.30 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Malaga Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $24.27 Mil.
* 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 EV-to-FCF of 19.29 as of Jul. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Malaga Financial and its competitors. This is 13% below median its historical median of 22.19. Over the past decade, Malaga Financial's EV-to-FCF has ranged from 19.13 to 41.86. According to the industry distribution chart, Malaga Financial ranks #964 out of 1191 companies in the Banks industry, placing it in the top 80.9%.
Is Malaga Financial's EV-to-FCF too high?
Malaga Financial's current EV-to-FCF of 19.29 is 13% below median its 10-year median of 22.19. Over the past 10 years, this metric has ranged from a low of 19.13 to a high of 41.86. The Banks industry median EV-to-FCF is 7.24. Malaga Financial's value of 19.29 is 166.4% above this industry median. Based on the distribution chart, Malaga Financial ranks #964 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Malaga Financial has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Malaga Financial's EV-to-FCF compare to KISB and CMTV?
According to the Banks industry distribution chart, Malaga Financial ranks #964 out of 1191 companies for EV-to-FCF. This places Malaga Financial in the lower half of its industry. The industry median EV-to-FCF is 7.24. Malaga Financial's value of 19.29 is 166.4% above this benchmark. Historically, Malaga Financial's own EV-to-FCF has ranged from 19.13 to 41.86 over the past decade. While the company's 10-year median is 22.19 vs. the industry median of 7.24, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.24, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current EV-to-FCF of 19.29 is 166.4% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Malaga Financial and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current EV-to-FCF is 19.29, which is 13% below median its own 10-year median of 22.19. 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 Fairly Valued. The stock's GF Value™ is $20.20, compared to a current price of $21.70 — trading 7.4% above its estimated fair value. The current EV-to-FCF is 19.29, which is 13% below median its 10-year median of 22.19 and 166.4% above the Banks industry median of 7.24. Malaga Financial's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Malaga Financial (MLGF), the current EV-to-FCF is 19.29 as of Jul. 30, 2026. 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 $21.70 is trading 7.4% above its estimated GF Value™ of $20.20.
GuruFocus considers Malaga Financial to be Fairly Valued.
Key valuation signals for MLGF:
EV-to-FCF: 19.29 (13% below median its 10-year median of 22.19)
GF Value™: $20.20 vs. price of $21.70 (7.4% above fair value)
Industry Position: 166.4% above the Banks median (#964 of 1191)
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.
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