MLGF (Malaga Financial) ROC %: % (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
59 GF Score
Price $21.86
GF Value $20.21
Valuation Fairly Valued
! 3 Warning Signs
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What is Malaga Financial ROC %?

Malaga Financial MLGF -0.14% 59 ROC % is % as of Dec. 2025. GuruFocus rates MLGF with a GF Score™ of 59/100 and a GF Value™ of $20.21 (Fairly Valued). The stock has 3 warning signs investors should review.

ROC %does not apply to banks.

MLGF
59GF Score
Malaga Financial Corp MLGF
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Malaga Financial (MLGF) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Malaga Financial and its competitors.
Is Malaga Financial's ROC % too high?
Malaga Financial's current ROC % is %. Overall, Malaga Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Malaga Financial's ROC % compare to KISB and CMTV?
Malaga Financial's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.76, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Malaga Financial and its competitors. For the Banks industry, the median ROC % is 1.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current ROC % 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 Fairly Valued. The stock's GF Value™ is $20.21, compared to a current price of $21.86 — trading 8.2% above its estimated fair value. The current ROC % is %. Malaga Financial's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Malaga Financial (MLGF), the current ROC % 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 $21.86 is trading 8.2% above its estimated GF Value™ of $20.21. GuruFocus considers Malaga Financial to be Fairly Valued.

Key valuation signals for MLGF:

  • ROC %: %
  • GF Value™: $20.21 vs. price of $21.86 (8.2% above fair value)
  • GF Score™: 59/100 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.
59GF Score

Get the complete analysis for MLGF

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

$21.86
Price
$20.21
GF Value