Malaga FinancialMLGF -0.11%55 Net Margin % is 47.63% as of Dec. 2025, which is 0% below its 10-year median of 47.68. 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 1,527 Banks companies, Malaga Financial ranks better than 92.14% on this metric.
The historical rank and industry rank for Malaga Financial's Net Margin % or its related term are showing as below:
MLGF'
s Net Margin % Range Over the Past 10 Years
Min: 34.15 Med: 47.68 Max: 50.04
Current: 47.63
MLGF's Net Margin % is ranked better than 92.14% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs MLGF: 47.63
Malaga Financial (OTCPK:MLGF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Malaga Financial Net Margin % Related Terms
Malaga Financial Net Margin % Historical Data
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The historical data trend for Malaga Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Malaga Financial's Net 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 Net Margin % of 47.63% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Malaga Financial and its competitors. This is near median its historical median of 47.68. Over the past decade, Malaga Financial's Net Margin % has ranged from 34.15 to 50.04. According to the industry distribution chart, Malaga Financial ranks #120 out of 1527 companies in the Banks industry, placing it in the top 7.9%.
Is Malaga Financial's Net Margin % too high?
Malaga Financial's current Net Margin % of 47.63% is near median its 10-year median of 47.68. Over the past 10 years, this metric has ranged from a low of 34.15 to a high of 50.04. The Banks industry median Net Margin % is 26.95. Malaga Financial's value of 47.63% is 76.7% above this industry median. Based on the distribution chart, Malaga Financial ranks #120 out of 1527 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 Net Margin % compare to MRBK and EFSI?
According to the Banks industry distribution chart, Malaga Financial ranks #120 out of 1527 companies for Net Margin %. This places Malaga Financial in the top 8% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Malaga Financial's value of 47.63% is 76.7% above this benchmark. Historically, Malaga Financial's own Net Margin % has ranged from 34.15 to 50.04 over the past decade. While the company's 10-year median is 47.68 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current Net Margin % of 47.63% is 76.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Malaga Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current Net Margin % is 47.63%, which is near median its own 10-year median of 47.68. 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 Net Margin % is 47.63%, which is near median its 10-year median of 47.68 and 76.7% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Net Margin % is 47.63% 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:
Net Margin %: 47.63% (near median its 10-year median of 47.68)
GF Value™: $20.18 vs. price of $21.47 (6.4% above fair value)
Industry Position: 76.7% above the Banks median (#120 of 1527)
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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