MLGF (Malaga Financial) Scaled Net Operating Assets: 0.34 (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 Scaled Net Operating Assets?

Malaga Financial MLGF -0.11% 55 Scaled Net Operating Assets is 0.34 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Malaga Financial's operating assets for the quarter that ended in Dec. 2025 was $1,425.15 Mil. Malaga Financial's operating liabilities for the quarter that ended in Dec. 2025 was $948.71 Mil. Malaga Financial's Total Assets for the quarter that ended in Dec. 2024 was $1,413.04 Mil. Therefore, Malaga Financial's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.34.

MLGF
55GF Score
Malaga Financial Corp MLGF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Malaga Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Malaga Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1425.154-948.705)/1413.041
=0.34

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1434.975 - 9.821
=1425.154

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1212.109 - 263.404 - 0
=948.705

Malaga Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(1425.154-948.705)/1413.041
=0.34

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1434.975 - 9.821
=1425.154

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1212.109 - 263.404 - 0
=948.705

* 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 Scaled Net Operating Assets of 0.34 mean?
Malaga Financial (MLGF) has a Scaled Net Operating Assets of 0.34 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Malaga Financial and its competitors.
Is Malaga Financial's Scaled Net Operating Assets too high?
Malaga Financial's current Scaled Net Operating Assets is 0.34. 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 Scaled Net Operating Assets compare to MRBK and EFSI?
Malaga Financial's Scaled Net Operating Assets of 0.34 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Malaga Financial and its competitors. Malaga Financial's current Scaled Net Operating Assets is 0.34. 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 Scaled Net Operating Assets is 0.34. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Scaled Net Operating Assets is 0.34 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:

  • Scaled Net Operating Assets: 0.34
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.47
Price
$20.18
GF Value