MLGF (Malaga Financial) Margin of Safety % (DCF FCF Based): 24.17% (As of Jun. 24, 2026)


MLGF Malaga Financial Corp MLGF
55 GF Score
Price $21.47
GF Value $20.18
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Malaga Financial Margin of Safety % (DCF FCF Based)?

Malaga Financial MLGF -0.11% 55 Margin of Safety % (DCF FCF Based) is 24.17% as of Jun. 24, 2026. 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), Malaga Financial's Predictability Rank is 2.5-Stars. Malaga Financial's intrinsic value calculated from the Discounted FCF model is $48.25 and current share price is $21.468289. Consequently,

Malaga Financial's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 24.17%.

MLGF vs MRBK, EFSI, CBTN: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Malaga Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Malaga Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Malaga Financial's Margin of Safety % (DCF FCF Based) falls into.


MLGF
55GF Score
Malaga Financial Corp MLGF
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Malaga Financial Margin of Safety % (DCF FCF Based) Calculation

Malaga Financial's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(28.31-21.468289)/28.31
=24.17 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 24.17% mean?
Malaga Financial (MLGF) has a Margin of Safety % (DCF FCF Based) of 24.17% as of Jun. 24, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Malaga Financial.
Is Malaga Financial's Margin of Safety % (DCF FCF Based) too high?
Malaga Financial's current Margin of Safety % (DCF FCF Based) is 24.17%. 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 Margin of Safety % (DCF FCF Based) compare to MRBK and EFSI?
Malaga Financial's Margin of Safety % (DCF FCF Based) of 24.17% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Malaga Financial. Malaga Financial's current Margin of Safety % (DCF FCF Based) is 24.17%. 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 Margin of Safety % (DCF FCF Based) is 24.17%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Margin of Safety % (DCF FCF Based) is 24.17% as of Jun. 24, 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 $21.47 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:

  • Margin of Safety % (DCF FCF Based): 24.17%
  • GF Value™: $20.18 vs. price of $21.47 (6.4% above fair value)
  • GF Score™: 55/100 with 3 warning signs

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 Business Description

Address 2514 Via Tejon, Palos Verdes Estates, CA, USA, 90274
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

Get the complete analysis for MLGF

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.47
Price
$20.18
GF Value