Stock fact sheet · data as of
Malaga Financial Corporation (MLGF): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Yield Income
Is MLGF undervalued?
MLGF closed at 22.44 on 16 Oct 2026 against a GLS average fair value of 24.42 - 8.1% below fair value, which our screens read as "fairly priced". 5 of 9 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
The 9 models disagree widely: GLS Growth gives 2.93 while 10 Cap gives 49.38. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files MLGF under High Yield Income: a dividend yield above 4%.
Nine valuation models for MLGF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 30.75 | +37% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 25.02 | +12% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 27.18 | +21% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 6.74 | -70% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.93 | -87% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 49.38 | +120% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 44.33 | +98% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 14.71 | -34% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 18.72 | -17% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -121.50 | -641% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: MLGF passes 4 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 5.6 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are thin or negative - ROIC 4.4%, ROE 9.7%, ROA 1.5% - with debt at 1.18 times equity and negative free cash flow.
The dividend yield is high at 4.46% (payout ratio 0%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 4.4% |
|---|---|---|---|
| GLS Moat | 5.6 / 10 | ROE | 9.7% |
| Debt / equity | 1.18 | ROA | 1.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
MLGF has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 2k shares a day on a market cap of $222M, with a beta of 0.10 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 16 / 25 | 8% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 8 / 15 | moat 5.6/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 2k shares/day, $222M cap, beta 0.10 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for MLGF in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Malaga Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| OPBK OP Bancorp | 14.85 | 24.39 | +39% | 66Good | $222M |
| PBNC PB Financial Corporation | 73.00 | 227.64 | +68% | 39No options | $221M |
| LYBC Lyons Bancorp Inc. | 66.00 | 109.45 | +40% | 39No options | $224M |
| MRBK Meridian Corporation | 18.41 | 40.56 | +55% | 39No options | $220M |
| INBKZ First Internet Bancorp - Fixed- | 25.25 | 169.58 | +85% | 39No options | $225M |
| INBK First Internet Bancorp | 25.94 | 169.14 | +85% | 45Weak | $227M |
| OVBC Ohio Valley Banc Corp. | 46.11 | 51.63 | +11% | 39No options | $217M |
| CFBK CF Bankshares Inc. | 33.56 | 51.51 | +35% | 39No options | $215M |
| SOME Somerset Trust Holding Company | 85.00 | 141.60 | +40% | 39No options | $214M |
| FOTB First Ottawa Bancshares, Inc. | 239.00 | 793.09 | +70% | 39No options | $231M |
| FXLG FS Bancorp | 52.05 | 104.29 | +50% | 39No options | $213M |
| KISB Kish Bancorp, Inc. | 69.50 | 113.52 | +39% | 39No options | $211M |
⚖ Compare MLGF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about MLGF
Is MLGF undervalued right now?
Not meaningfully: at 22.44 the stock trades within a few percent of the GLS average fair value of 24.42 (8.1% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of MLGF and what does it mean?
MLGF has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for MLGF?
24.42 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Malaga Financial Corporation report earnings next?
No upcoming earnings date is recorded for MLGF in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does MLGF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on MLGF, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.