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Malaga FinancialMLGF -0.22%54 Intrinsic Value: Projected FCF is $41.07 as of Aug. 30, 2026. 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 1,306 Banks companies, Malaga Financial ranks better than 56.89% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-30), Malaga Financial's Intrinsic Value: Projected FCF is $41.07. The stock price of Malaga Financial is $22.45. Therefore, Malaga Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.6.
The historical rank and industry rank for Malaga Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
MLGF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.52 Med: 0.63 Max: 1.02
Current: 0.55
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Malaga Financial was 1.02. The lowest was 0.52. And the median was 0.63.
MLGF's Price-to-Projected-FCF is ranked better than 56.89% of 1306
companies
in the Banks industry
Industry Median: 0.6
vs MLGF: 0.55
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Malaga Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
22.45
/
=
* 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 Intrinsic Value: Projected FCF Related Terms
Malaga Financial Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Malaga Financial's Intrinsic Value: Projected 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.
MLGF vs KISB, CMTV, CZWI: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Malaga Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Malaga Financial's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
What does a Intrinsic Value: Projected FCF of $41.07 mean?
Malaga Financial (MLGF) has a Intrinsic Value: Projected FCF of $41.07 as of Aug. 30, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Malaga Financial and its competitors. According to the industry distribution chart, Malaga Financial ranks #563 out of 1306 companies in the Banks industry, placing it in the top 43.1%.
Is Malaga Financial's Intrinsic Value: Projected FCF too high?
Malaga Financial's current Intrinsic Value: Projected FCF is $41.07. The Banks industry median Intrinsic Value: Projected FCF is 0.60. Malaga Financial's value of $41.07 is 6745% above this industry median. Based on the distribution chart, Malaga Financial ranks #563 out of 1306 companies in the Banks industry, which is above the industry midpoint. 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 Intrinsic Value: Projected FCF compare to KISB and CMTV?
According to the Banks industry distribution chart, Malaga Financial ranks #563 out of 1306 companies for Intrinsic Value: Projected FCF. This puts Malaga Financial in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. Malaga Financial's value of $41.07 is 6745% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,306 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current Intrinsic Value: Projected FCF of $41.07 is 6745% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Malaga Financial and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current Intrinsic Value: Projected FCF is $41.07. 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 Intrinsic Value: Projected FCF is $41.07 and 6745% above the Banks industry median of 0.60. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Intrinsic Value: Projected FCF is $41.07 as of Aug. 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 $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:
Intrinsic Value: Projected FCF: $41.07
GF Value™: $20.22 vs. price of $22.45 (11% above fair value)
Industry Position: 6745% above the Banks median (#563 of 1306)
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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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