Hank's Small Banks

[10 bagger]

MALAGA FINL CORP COM MLGF: OTC Bulletin Board Market

SOLVENCY RATIOS

SHORT-TERM SOLVENCY RATIOS (LIQUIDITY)
Free Cash Flow Margin 0.00
Free Cash Flow Margin 5YEAR AVG 8.44
Cash-Flow pS 0.00
Free Cash-Flow pS 0.00
FINANCIAL STRUCTURE RATIOS
Financial Leverage Ratio (Assets/Equity) 13.20
Debt Ratio 92.42
Total Debt/Equity (Gearing Ratio) 4.95
LT Debt/Equity 4.95
LT Debt/Capital Invested 83.18
LT Debt/Total Liabilities 40.56


VALUATION RATIOS
MULTIPLES
PQ Ratio 2.14
Tobin's Q Ratio 0.06
Current P/E Ratio - LTM 6.30
Enterprise Value (EV)/EBITDA 0.01
Enterprise Value (EV)/Free Cash Flow 0.00
Dividend Yield 2.9
Price/Tangible Book Ratio - LTM 0.63
Price/Book Ratio - LTM 0.63
Price/Cash Flow Ratio 5.7
Price/Free Cash Flow Ratio - LTM 0.0
P/E Ratio (1 month ago) - LTM 5.5
P/E Ratio (26 weeks ago) - LTM 9.8
P/E Ratio (52 weeks ago) - LTM 12.2
5-Y High P/E Ratio 21.6
5-Y Low P/E Ratio 8.2
5-Y Average P/E Ratio 12.8
Current P/E Ratio as % of 5-Y Average P/E 49
P/E as % of Industry Group 48.0
P/E as % of Sector Segment 22.0
Current 12 Month Normalized P/E Ratio - LTM 6.4
PER SHARE FIGURES
Tangible Book Value pS - LTM 17.53
Book Value pS - LTM 17.53
Capital Invested pS 95.26
Cash Flow pS - LTM 1.93
Free Cash Flow pS - LTM 0.00
Earnings pS (EPS) 1.00


OPERATING RATIOS
PROFITABILITY
Return on Equity (ROE) 10.99
Return on Equity (ROE) - 5YEAR AVRG. 12.7
Return on Capital Invested (ROCI) 1.85
Return on Capital Invested (ROCI) - 5YEAR AVRG. 2.3
Return on Assets (ROA) 0.83
Return on Assets (ROA) - 5YEAR AVRG. 1.0
EBIT Margin - LTM 82.8
EBITDA Margin - LTM 82.8
Pre-Tax Profit Margin 58.42
Pre-Tax Profit Margin - 5YEAR AVRG. 62.09
Net Profit Margin 34.84
Net Profit Margin - 5YEAR AVRG. 36.80
Effective Tax Rate 40.36
Effective Tax Rate - 5YEAR AVRG. 40.68
EFFICIENCY RATIOS
Revenue per Employee - LTM 850,906
Net Income per Employee - LTM 115,075
Assets/Revenue - LTM 1,000.00
Assets/Revenue - 5YEAR AVRG. 3,748.45