MLGF (Malaga Financial) Dividend Payout Ratio: 0.44 (As of Dec. 2025) — Near Median


MLGF Malaga Financial Corp MLGF
55 GF Score
Price $21.47
GF Value $20.18
Valuation Fairly Valued
! 3 Warning Signs
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What is Malaga Financial Dividend Payout Ratio?

Malaga Financial MLGF -0.11% 55 Dividend Payout Ratio is 0.44 as of Dec. 2025, which is 7% above its 10-year median of 0.41. 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 1,169 Banks companies, Malaga Financial ranks worse than 68.86% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Malaga Financial's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.44.

The historical rank and industry rank for Malaga Financial's Dividend Payout Ratio or its related term are showing as below:

MLGF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.29   Med: 0.41   Max: 0.45
Current: 0.44

During the past 13 years, the highest Dividend Payout Ratio of Malaga Financial was 0.45. The lowest was 0.29. And the median was 0.41.

MLGF's Dividend Payout Ratio is ranked worse than
68.86% of 1169 companies
in the Banks industry
Industry Median: 0.32 vs MLGF: 0.44

As of today (2026-06-24), the Dividend Yield % of Malaga Financial is 4.61%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Malaga Financial was 5.51%. The lowest was 2.65%. And the median was 4.15%.

Malaga Financial's Dividends per Share for the months ended in Dec. 2025 was $0.96.

During the past 12 months, Malaga Financial's average Dividends Per Share Growth Rate was 5.00% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 5.00% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 5.00% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 18.00% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Malaga Financial was 114.10% per year. The lowest was 5.00% per year. And the median was 5.40% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Malaga Financial (OTCPK:MLGF) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Malaga Financial Dividend Payout Ratio Related Terms

Malaga Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Malaga Financial's Dividend Payout Ratio 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.

Malaga Financial Dividend Payout Ratio Chart

Malaga Financial Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.40 0.39 0.38 0.41 0.44

Malaga Financial Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.40 0.39 0.38 0.41 0.44

MLGF vs MRBK, EFSI, CBTN: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Malaga Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Malaga Financial's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Malaga Financial's Dividend Payout Ratio falls into.


MLGF
55GF Score
Malaga Financial Corp MLGF
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Malaga Financial Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Malaga Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.964/ 2.174
=0.44

Malaga Financial's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0.964/ 2.174
=0.44

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.44 mean?
Malaga Financial (MLGF) has a Dividend Payout Ratio of 0.44 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Malaga Financial and its competitors. This is near median its historical median of 0.41. Over the past decade, Malaga Financial's Dividend Payout Ratio has ranged from 0.29 to 0.45. According to the industry distribution chart, Malaga Financial ranks #805 out of 1169 companies in the Banks industry, placing it in the top 68.9%.
Is Malaga Financial's Dividend Payout Ratio too high?
Malaga Financial's current Dividend Payout Ratio of 0.44 is near median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 0.45. The Banks industry median Dividend Payout Ratio is 0.32. Malaga Financial's value of 0.44 is 37.5% above this industry median. Based on the distribution chart, Malaga Financial ranks #805 out of 1169 companies in the Banks industry, which is below the industry midpoint. 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 Dividend Payout Ratio compare to MRBK and EFSI?
According to the Banks industry distribution chart, Malaga Financial ranks #805 out of 1169 companies for Dividend Payout Ratio. This places Malaga Financial in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Malaga Financial's value of 0.44 is 37.5% above this benchmark. Historically, Malaga Financial's own Dividend Payout Ratio has ranged from 0.29 to 0.45 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current Dividend Payout Ratio of 0.44 is 37.5% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Malaga Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current Dividend Payout Ratio is 0.44, which is near median its own 10-year median of 0.41. 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 Dividend Payout Ratio is 0.44, which is near median its 10-year median of 0.41 and 37.5% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Dividend Payout Ratio is 0.44 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:

  • Dividend Payout Ratio: 0.44 (near median its 10-year median of 0.41)
  • GF Value™: $20.18 vs. price of $21.47 (6.4% above fair value)
  • GF Score™: 55/100 with 3 warning signs
  • Industry Position: 37.5% above the Banks median (#805 of 1169)

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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.47
Price
$20.18
GF Value