MLGF (Malaga Financial) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MLGF Malaga Financial Corp MLGF
54 GF Score
Price $23.45
GF Value $20.22
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Malaga Financial ROC (Joel Greenblatt) %?

Malaga Financial MLGF +4.14% 54 ROC (Joel Greenblatt) % is % as of Dec. 2025. 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 47 Banks companies, Malaga Financial ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

MLGF
54GF Score
Malaga Financial Corp MLGF
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Malaga Financial (MLGF) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Malaga Financial and its competitors. According to the industry distribution chart, Malaga Financial ranks #999999 out of 47 companies in the Banks industry.
Is Malaga Financial's ROC (Joel Greenblatt) % too high?
Malaga Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Malaga Financial ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to KISB and CMTV?
According to the Banks industry distribution chart, Malaga Financial ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places Malaga Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 50.71. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 50.71, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Malaga Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 50.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current ROC (Joel Greenblatt) % is %. 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 $23.45 — trading 16% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Malaga Financial (MLGF), the current ROC (Joel Greenblatt) % is % 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 $23.45 is trading 16% above its estimated GF Value™ of $20.22. GuruFocus considers Malaga Financial to be Modestly Overvalued.

Key valuation signals for MLGF:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $20.22 vs. price of $23.45 (16% above fair value)
  • GF Score™: 54/100 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.
54GF Score

Get the complete analysis for MLGF

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.45
Price
$20.22
GF Value