Malaga FinancialMLGF -0.11%55 FCF Margin % is 53.64% as of Dec. 2025, which is 13% above its 10-year median of 47.60. GuruFocus rates MLGF with a GF Score™ of 55/100 and a GF Value™ of $20.18 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, Malaga Financial ranks better than 76.28% on this metric.
The historical rank and industry rank for Malaga Financial's FCF Margin % or its related term are showing as below:
MLGF'
s FCF Margin % Range Over the Past 10 Years
Min: 24.73 Med: 47.6 Max: 54.68
Current: 53.64
During the past 13 years, the highest FCF Margin % of Malaga Financial was 54.68%. The lowest was 24.73%. And the median was 47.60%.
MLGF's FCF Margin % is ranked better than 76.28% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs MLGF: 53.64
Malaga Financial FCF Margin % Related Terms
Malaga Financial FCF Margin % Historical Data
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The historical data trend for Malaga Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Malaga Financial's FCF Margin % 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 FCF Margin % of 53.64% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Malaga Financial and its competitors. This is 13% above median its historical median of 47.60. Over the past decade, Malaga Financial's FCF Margin % has ranged from 24.73 to 54.68. According to the industry distribution chart, Malaga Financial ranks #357 out of 1505 companies in the Banks industry, placing it in the top 23.7%.
Is Malaga Financial's FCF Margin % too high?
Malaga Financial's current FCF Margin % of 53.64% is 13% above median its 10-year median of 47.60. Over the past 10 years, this metric has ranged from a low of 24.73 to a high of 54.68. The Banks industry median FCF Margin % is 26.42. Malaga Financial's value of 53.64% is 103% above this industry median. Based on the distribution chart, Malaga Financial ranks #357 out of 1505 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 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Malaga Financial's FCF Margin % compare to MRBK and EFSI?
According to the Banks industry distribution chart, Malaga Financial ranks #357 out of 1505 companies for FCF Margin %. This places Malaga Financial in the top 24% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.42. Malaga Financial's value of 53.64% is 103% above this benchmark. Historically, Malaga Financial's own FCF Margin % has ranged from 24.73 to 54.68 over the past decade. While the company's 10-year median is 47.60 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current FCF Margin % of 53.64% is 103% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Malaga Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current FCF Margin % is 53.64%, which is 13% above median its own 10-year median of 47.60. 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 $20.18, compared to a current price of $21.47 — trading 6.4% above its estimated fair value. The current FCF Margin % is 53.64%, which is 13% above median its 10-year median of 47.60 and 103% above the Banks industry median of 26.42. Malaga Financial's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Malaga Financial (MLGF), the current FCF Margin % is 53.64% 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 $21.47 is trading 6.4% above its estimated GF Value™ of $20.18.
GuruFocus considers Malaga Financial to be Fairly Valued.
Key valuation signals for MLGF:
FCF Margin %: 53.64% (13% above median its 10-year median of 47.60)
GF Value™: $20.18 vs. price of $21.47 (6.4% above fair value)
Industry Position: 103% above the Banks median (#357 of 1505)
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.
55GF Score
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