Malaga Financial (MLGF) Stock Price, News & Analysis

Company Overview

Malaga Financial (OTCMKTS:MLGF) is a regional financial services company headquartered in San Diego, California. The firm provides a full suite of banking products and services tailored to both individual and business clients. Malaga Financial’s core offerings include deposit accounts, personal and commercial loans, mortgage financing, treasury management, and wealth advisory services. Through its network of branch locations and digital banking platform, the company strives to deliver personalized customer experiences while maintaining rigorous risk management and regulatory compliance standards.

The company’s deposit products feature checking, savings, and certificate of deposit accounts, designed to meet the varied liquidity and return needs of clients. On the lending side, Malaga Financial extends secured and unsecured credit facilities, including residential and commercial mortgages, lines of credit, and equipment financing. Its treasury and cash management solutions are built to support small to mid-sized enterprises with payroll processing, merchant services, and electronic funds transfers. Additionally, the firm’s wealth advisory division offers financial planning, investment management, and trust administration services aimed at high-net-worth individuals and families.

Founded in 1984, Malaga Financial has grown steadily through a combination of organic expansion and selective acquisitions of community banks in Southern California. The company is led by Chief Executive Officer Maria Lopez, a veteran banker with over 25 years of experience in commercial lending and financial operations. Under her leadership, Malaga Financial has prioritized digital innovation, launching mobile and online banking features to enhance customer convenience and operational efficiency.

While primarily serving the Southern California market, Malaga Financial has extended its reach through correspondent banking relationships and strategic partnerships across the western United States. The company emphasizes community involvement and local economic development, sponsoring programs in affordable housing and small business mentorship. With a commitment to sustainable growth and strong capital positioning, Malaga Financial aims to balance shareholder value creation with long-term customer and community engagement.

Key Stats

• Today's Range: $20.25 to $20.30
• 50-Day Range: $20.12 to $20.90
• 52-Week Range: $20.10 to $23.75
• Volume: 1,172 shs
• Average Volume: 2,486 shs
• Market Capitalization: $191.23 million
• P/E Ratio: 8.79
• Dividend Yield: 4.93%
• Price Target: N/A
• Consensus Rating: N/A

Malaga Financial Stock Analysis - MarketRank™

Malaga Financial scored higher than 29% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Malaga Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Malaga Financial is 8.79, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of Malaga Financial is 8.79, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of Malaga Financial has been sold short.

Short Interest Ratio / Days to Cover

Malaga Financial has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Malaga Financial is a leading dividend payer. It pays a dividend yield of 4.89%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Malaga Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Malaga Financial is 42.92%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the float of Malaga Financial has been sold short.

Short Interest Ratio / Days to Cover

Malaga Financial has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.68

News Sentiment

Malaga Financial has a news sentiment score of 0.68. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Malaga Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Malaga Financial insiders have not sold or bought any company stock.

Percentage Held by Institutions

Only 1.15% of the stock of Malaga Financial is held by institutions.

MLGF Stock Analysis - Frequently Asked Questions

How have MLGF shares performed this year?

Malaga Financial's stock was trading at $22.3975 at the beginning of the year. Since then, MLGF shares have decreased by 9.4% and is now trading at $20.30.

How were Malaga Financial's earnings last quarter?

Malaga Financial Corp. (OTCMKTS:MLGF) announced its quarterly earnings data on Wednesday, July, 16th. The company reported $0.59 earnings per share for the quarter.

How do I buy shares of Malaga Financial?

Shares of MLGF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Malaga Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Malaga Financial investors own include ABM Industries (ABM), Agree Realty (ADC), Acme United (ACU), Accenture (ACN), American Campus Communities (ACC), Abbott Laboratories (ABT) and Arbor Realty Trust (ABR).

Company Calendar

• Record date for 7/1 Dividend: 6/23/2025
• Dividend Payable: 7/01/2025
• Last Earnings: 7/16/2025
• Today: 7/18/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: N/A
• Current Symbol: OTCMKTS:MLGF
• Previous Symbol: NASDAQ:MLGF
• CIK: N/A
• Web: www.malagabank.com
• Phone: (310) 375-9000
• Fax: 310-373-3615
• Employees: 70
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 8.79
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: N/A
• Price / Sales: N/A
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 9,420,000
• Free Float: N/A
• Market Cap: $191.23 million
• Optionable: Not Optionable
• Beta: 0.15