Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Malaga Financial's 10-Year RORE % for the quarter that ended in Dec. 2025 was 0.00%.
The industry rank for Malaga Financial's 10-Year RORE % or its related term are showing as below:
MLGF's 10-Year RORE % is not ranked *
in the Banks industry.
Industry Median: 10.205 * Ranked among companies with meaningful 10-Year RORE % only.
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Malaga Financial 10-Year RORE % Related Terms
Malaga Financial 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Malaga Financial's 10-Year RORE % 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.
MLGF vs OVBC, CBTN, QNBC: 10-Year RORE % Comparison
For the Banks - Regional subindustry, Malaga Financial's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Malaga Financial's 10-Year RORE % falls into.
* 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.
In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 10-year before.
Malaga Financial (MLGF) has a 10-Year RORE % of 0.00 as of Dec. 2025. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Malaga Financial and its competitors. According to the industry distribution chart, Malaga Financial ranks #999999 out of 1090 companies in the Banks industry.
Is Malaga Financial's 10-Year RORE % too high?
Malaga Financial's current 10-Year RORE % is 0.00. Based on the distribution chart, Malaga Financial ranks #999999 out of 1090 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 10-Year RORE % compare to OVBC and CBTN?
According to the Banks industry distribution chart, Malaga Financial ranks #999999 out of 1090 companies for 10-Year RORE %. This places Malaga Financial in the lower half of its industry. The industry median 10-Year RORE % is 10.21. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.21, based on 1,090 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Malaga Financial and its competitors. For the Banks industry, the median 10-Year RORE % is 10.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current 10-Year RORE % is 0.00. 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 10-Year RORE % is 0.00. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Malaga Financial (MLGF), the current 10-Year RORE % is 0.00 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:
10-Year RORE %: 0.00
GF Value™: $20.19 vs. price of $21.77 (7.8% above fair value)
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 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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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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