MLGF (Malaga Financial) Retained Earnings: $114.17 Mil (As of Dec. 2025)


MLGF Malaga Financial Corp MLGF
61 GF Score
Price $21.77
GF Value $20.19
Valuation Fairly Valued
! 3 Warning Signs
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What is Malaga Financial Retained Earnings?

Malaga Financial MLGF +0.97% 61 Retained Earnings is $114.17 Mil as of Dec. 2025. GuruFocus rates MLGF with a GF Score™ of 61/100 and a GF Value™ of $20.19 (Fairly Valued). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Malaga Financial's retained earnings for the quarter that ended in Dec. 2025 was $114.17 Mil.

Malaga Financial's quarterly retained earnings increased from Dec. 2023 ($108.44 Mil) to Dec. 2024 ($112.02 Mil) and increased from Dec. 2024 ($112.02 Mil) to Dec. 2025 ($114.17 Mil).

Malaga Financial's annual retained earnings increased from Dec. 2023 ($108.44 Mil) to Dec. 2024 ($112.02 Mil) and increased from Dec. 2024 ($112.02 Mil) to Dec. 2025 ($114.17 Mil).


Malaga Financial  (OTCPK:MLGF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Malaga Financial Retained Earnings Historical Data

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The historical data trend for Malaga Financial's Retained Earnings 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 Retained Earnings Chart

Malaga Financial Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 100.61 104.05 108.44 112.02 114.17

Malaga Financial Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 100.61 104.05 108.44 112.02 114.17
MLGF
61GF Score
Malaga Financial Corp MLGF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Malaga Financial Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $114.17 Mil mean?
Malaga Financial (MLGF) has a Retained Earnings of $114.17 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Malaga Financial and its competitors.
Is Malaga Financial's Retained Earnings too high?
Malaga Financial's current Retained Earnings is $114.17 Mil. Overall, Malaga Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Malaga Financial's Retained Earnings compare to OVBC and CBTN?
Malaga Financial's Retained Earnings of $114.17 Mil 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 Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Malaga Financial and its competitors. Malaga Financial's current Retained Earnings is $114.17 Mil. 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 $20.19, compared to a current price of $21.77 — trading 7.8% above its estimated fair value. The current Retained Earnings is $114.17 Mil. Malaga Financial's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Retained Earnings is $114.17 Mil 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 $21.77 is trading 7.8% above its estimated GF Value™ of $20.19. GuruFocus considers Malaga Financial to be Fairly Valued.

Key valuation signals for MLGF:

  • Retained Earnings: $114.17 Mil
  • GF Value™: $20.19 vs. price of $21.77 (7.8% above fair value)
  • GF Score™: 61/100 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.
61GF Score

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

$21.77
Price
$20.19
GF Value