CIF

NEUTRAL

$1.63 Live

MFS Intermediate High Income Fund · NYSE

$1.57 52W Range $1.82

CIF MFS Intermediate High Income Fund - Fundamental Analysis

NEUTRAL

Console Chart News

CIF Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Asset Management

Current Price Live

$1.63

52W High

$1.82

52W Low

$1.57

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026

Market cap

$29.18M

P/E

11.64

ROE

7.7%

Profit margin

78.2%

Debt/Equity

0.45

Dividend yield

10.67%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

CIF exhibits a stable financial health profile with a Piotroski F-Score of 6/9, though it is caught between a defensive Graham Number of $2.41 and a lower growth-based intrinsic value of $0.98. While the fund trades at a discount to book value (P/B 0.88), it faces significant fundamental headwinds including negative earnings growth (-10.20%) and a highly unsustainable dividend payout ratio of 124.67%. The technical trend is currently bearish (0/100), suggesting that the attractive yield is likely a 'dividend trap' given the lack of earnings coverage.

Key Strengths

Stable Piotroski F-Score (6/9)

Trading below book value (P/B 0.88)

Strong profit margins (78.24%)

Low Debt/Equity ratio (0.45) relative to sector average

High current dividend yield (10.67%)

Key Risks

Unsustainable payout ratio (124.67%) exceeding earnings

Negative YoY earnings growth (-10.20%)

Bearish technical trend (0/100)

Extremely low current ratio (0.05) indicating liquidity constraints

Micro-cap size ($0.03B) leading to potential volatility and liquidity risk

AI Fair Value Estimate

Based on comprehensive analysis

$1.6

-1.8% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Underperforming Value Trap

Key drivers: Dividend payout exceeds earnings, Negative earnings growth, Discount to book value

Confidence

90%

Value

70/100

Ref P/E 11.64, P/B 0.88, Graham Number $2.41

Positives

P/B below 1.0
Price below Graham Number

Watchpoints

Price above growth-based intrinsic value

Future

20/100

Ref Earnings Growth -10.20%

Positives

Marginal revenue growth (0.70%)

Watchpoints

Double-digit earnings decline
Bearish technicals

Past

50/100

Ref Historical price changes

Positives

Positive 1Y return (+8.2%)

Watchpoints

Flat 5Y performance (-0.7%)

Health

60/100

Ref Piotroski F-Score, Current Ratio

Positives

Piotroski F-Score 6/9 (Stable)

Watchpoints

Critical current ratio (0.05)

Dividend

30/100

Ref Payout Ratio 124.67%

Positives

High nominal yield (10.67%)

Watchpoints

Payout ratio > 100% indicates capital erosion

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$1.63

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for CIF and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
CIF MFS Intermediate High Income Fund Primary	-0.7%	+34.8%	+8.2%	-0.1%	+0.9%	-1.2%
GOCO GoHealth, Inc. Peer	-99.4%	-92.5%	-89.7%	-76.4%	-49.3%	-17.6%
BAFN BayFirst Financial Corp. Peer	-54.2%	-61.2%	-55.8%	-53.8%	-14.2%	+11.1%
HERZ Herzfeld Credit Income Fund, Inc. Peer	-1.1%	+15.1%	+35.1%	+21.4%	-6.3%	+2.7%
MIGI Mawson Infrastructure Group Inc. Peer	-99.5%	-92.5%	-43.0%	-72.2%	+94.4%	+89.2%

CIF

MFS Intermediate High Income Fund

Primary

-0.7%

+34.8%

+8.2%

-0.1%

+0.9%

-1.2%

GOC

GoHealth, Inc.

Peer

-99.4%

-92.5%

-89.7%

-76.4%

-49.3%

-17.6%

BAF

BayFirst Financial Corp.

Peer

-54.2%

-61.2%

-55.8%

-53.8%

-14.2%

+11.1%

HER

Herzfeld Credit Income Fund, Inc.

Peer

-1.1%

+15.1%

+35.1%

+21.4%

-6.3%

+2.7%

MIG

Mawson Infrastructure Group Inc.

Peer

-99.5%

-92.5%

-43.0%

-72.2%

+94.4%

+89.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

11.64

N/A

0.88

8.83

N/A

$29.18M

Profitability

Profit margins and return metrics

Profit Margin 78.24%

Operating Margin 86.63%

Gross Margin 100.0%

ROE 7.75%

ROA 3.68%

Growth

Revenue and earnings growth rates

Revenue Growth +0.7%

Earnings Growth -10.2%

Q/Q Revenue Growth N/A

Q/Q Earnings Growth -10.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.45

Low debt

Current Ratio

0.05

Weak

Quick Ratio

0.05

Poor

Cash/Share

$N/A

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Total Assets

$0.0B

Liabilities

$0.0B

Equity

$0.0B

Debt/Equity

0.46x

Financial Services Sector Comparison

Comparing CIF against 653 companies in the Financial Services sector (117 bullish, 269 neutral, 267 bearish)

P/E Ratio

11.64

This Stock

38.75

Sector Avg

-70.0% (Discount)

Return on Equity (ROE)

7.75%

This Stock

-0.94%

Sector Avg

-927.2% (Below Avg)

Profit Margin

78.24%

This Stock

58.65%

Sector Avg

+33.4% (Superior)

Debt to Equity

0.45

This Stock

1.52

Sector Avg

-70.0% (Less Debt)

Revenue Growth

0.7%

This Stock

42.21%

Sector Avg

-98.3% (Slower)

Current Ratio

0.05

This Stock

3.58

Sector Avg

-98.5% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
CIF MFS Intermediate High Income Fund	NEUTRAL	$29.18M	11.64	7.7%	78.2%	$1.63
GOCO GoHealth, Inc.	BEARISH	$30.29M	-	-219.7%	-71.1%	$1.05	Compare
BAFN BayFirst Financial Corp.	BEARISH	$27.7M	-	-11.1%	-18.2%	$6.7	Compare
HERZ Herzfeld Credit Income Fund, Inc.	BEARISH	$31.41M	80.6	-3.2%	-80.7%	$16.12	Compare
MIGI Mawson Infrastructure Group Inc.	BEARISH	$26.88M	-	-%	-59.5%	$4.9	Compare

CIF MFS Intermediate...

NEUTRAL

Mkt Cap

$29M

P/E

11.6

ROE

7.7%

Price

$1.63

Compare with CIF

Compare with CIF

Compare with CIF

Compare with CIF

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2025-08-22

CIF filed a definitive proxy statement (DEF 14A) on August 22, 2025, providing shareholders with information and voting materials for an upcoming meeting.

DEF 14A

2024-08-23

CIF filed a definitive proxy statement (DEF 14A) on August 23, 2024, providing shareholders with necessary information and voting materials for an upcoming meeting.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning CIF from our newsroom.

Newest → oldest

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CIF

CIF MFS Intermediate High Income Fund - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Financial Services Sector Comparison

Similar Companies

SEC Filings

Past News Coverage

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