Malaga FinancialMLGF +0.97%61 5-Year Yield-on-Cost % is 5.79 as of Jul. 09, 2026, which is 9% above its 10-year median of 5.31. GuruFocus rates MLGF with a GF Score™ of 61/100 and a GF Value™ of $20.19 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,254 Banks companies, Malaga Financial ranks better than 70.81% on this metric.
Malaga Financial's yield on cost for the quarter that ended in Dec. 2025 was 5.79.
The historical rank and industry rank for Malaga Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
MLGF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.38 Med: 5.31 Max: 7.03
Current: 5.79
During the past 13 years, Malaga Financial's highest Yield on Cost was 7.03. The lowest was 3.38. And the median was 5.31.
MLGF's 5-Year Yield-on-Cost % is ranked better than 70.81% of 1254
companies
in the Banks industry
Industry Median: 3.94
vs MLGF: 5.79
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Malaga Financial 5-Year Yield-on-Cost % Related Terms
MLGF vs OVBC, CBTN, QNBC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Malaga Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Malaga Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Malaga Financial (MLGF) has a 5-Year Yield-on-Cost % of 5.79 as of Jul. 09, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Malaga Financial and its competitors. This is near median its historical median of 5.31. Over the past decade, Malaga Financial's 5-Year Yield-on-Cost % has ranged from 3.38 to 7.03. According to the industry distribution chart, Malaga Financial ranks #366 out of 1254 companies in the Banks industry, placing it in the top 29.2%.
Is Malaga Financial's 5-Year Yield-on-Cost % too high?
Malaga Financial's current 5-Year Yield-on-Cost % of 5.79 is near median its 10-year median of 5.31. Over the past 10 years, this metric has ranged from a low of 3.38 to a high of 7.03. The Banks industry median 5-Year Yield-on-Cost % is 3.94. Malaga Financial's value of 5.79 is 47% above this industry median. Based on the distribution chart, Malaga Financial ranks #366 out of 1254 companies in the Banks industry, which is above the industry midpoint. 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 5-Year Yield-on-Cost % compare to OVBC and CBTN?
According to the Banks industry distribution chart, Malaga Financial ranks #366 out of 1254 companies for 5-Year Yield-on-Cost %. This puts Malaga Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. Malaga Financial's value of 5.79 is 47% above this benchmark. Historically, Malaga Financial's own 5-Year Yield-on-Cost % has ranged from 3.38 to 7.03 over the past decade. While the company's 10-year median is 5.31 vs. the industry median of 3.94, Malaga Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current 5-Year Yield-on-Cost % of 5.79 is 47% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Malaga Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current 5-Year Yield-on-Cost % is 5.79, which is near median its own 10-year median of 5.31. 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 5-Year Yield-on-Cost % is 5.79, which is near median its 10-year median of 5.31 and 47% above the Banks industry median of 3.94. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Malaga Financial (MLGF), the current 5-Year Yield-on-Cost % is 5.79 as of Jul. 09, 2026. 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:
5-Year Yield-on-Cost %: 5.79 (near median its 10-year median of 5.31)
GF Value™: $20.19 vs. price of $21.77 (7.8% above fair value)
Industry Position: 47% above the Banks median (#366 of 1254)
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
Get the complete analysis for MLGF
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MLGF has been successfully added to your 