MLGF (Malaga Financial) ROE % Adjusted to Book Value: 10.35% (As of Dec. 2025)


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 ROE % Adjusted to Book Value?

Malaga Financial MLGF -0.11% 55 ROE % Adjusted to Book Value is 10.35% as of Dec. 2025. 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.

Malaga Financial's ROE % for the quarter that ended in Dec. 2025 was 9.94%. Malaga Financial's PB Ratio for the quarter that ended in Dec. 2025 was 0.96. Malaga Financial's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 10.35%.

Malaga Financial ROE % Adjusted to Book Value Related Terms

Malaga Financial ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Malaga Financial's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Malaga Financial Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.64 11.25 11.52 11.11 10.35

Malaga Financial Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.64 11.25 11.52 11.11 10.35

MLGF vs MRBK, EFSI, CBTN: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Malaga Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Malaga Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Malaga Financial's ROE % Adjusted to Book Value falls into.


MLGF
55GF Score
Malaga Financial Corp MLGF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Malaga Financial ROE % Adjusted to Book Value Calculation

Malaga Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.94% / 0.96
=10.35%

Malaga Financial's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.94% / 0.96
=10.35%

* 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.

What does a ROE % Adjusted to Book Value of 10.35% mean?
Malaga Financial (MLGF) has a ROE % Adjusted to Book Value of 10.35% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Malaga Financial and its competitors.
Is Malaga Financial's ROE % Adjusted to Book Value too high?
Malaga Financial's current ROE % Adjusted to Book Value is 10.35%. 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 ROE % Adjusted to Book Value compare to MRBK and EFSI?
Malaga Financial's ROE % Adjusted to Book Value of 10.35% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Malaga Financial and its competitors. Malaga Financial's current ROE % Adjusted to Book Value is 10.35%. 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 ROE % Adjusted to Book Value is 10.35%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Malaga Financial (MLGF), the current ROE % Adjusted to Book Value is 10.35% 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:

  • ROE % Adjusted to Book Value: 10.35%
  • GF Value™: $20.18 vs. price of $21.47 (6.4% above fair value)
  • GF Score™: 55/100 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.
55GF Score

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

$21.47
Price
$20.18
GF Value