MFM

BEARISH

$5.35 Live

MFS Municipal Income Trust · NYSE

$5.03 52W Range $5.67

MFM MFS Municipal Income Trust - Fundamental Analysis

BEARISH

Console Chart News

MFM Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Asset Management

Current Price Live

$5.35

52W High

$5.67

52W Low

$5.03

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

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 30, 2026

Market cap

$220.35M

P/E

41.15

ROE

2.3%

Profit margin

32.7%

Debt/Equity

0.46

Dividend yield

5.35%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

MFM exhibits a stable Piotroski F-Score of 6/9, but this operational stability is overshadowed by severe valuation and sustainability concerns. The current price of $5.35 trades at a significant premium to both the Graham Number ($4.20) and the Intrinsic Value ($0.91). Most critically, the dividend payout ratio of 210.38% indicates that the current yield is unsustainable and not supported by earnings, which have declined by 14.60% YoY. Combined with a bearish technical trend and a high P/E of 41.15, the asset appears overvalued relative to its fundamental growth profile.

Key Strengths

Stable Piotroski F-Score (6/9)

Trading at a discount to book value (P/B 0.89)

Strong operating margins (85.60%)

Manageable Debt/Equity ratio (0.46)

Positive 1-year price performance (+9.6%)

Key Risks

Unsustainable dividend payout ratio (210.38%)

Negative earnings growth (-14.60% YoY)

Significant overvaluation relative to Intrinsic Value ($0.91)

Extremely low liquidity indicated by Current Ratio (0.05)

Bearish technical trend (0/100)

AI Fair Value Estimate

Based on comprehensive analysis

$3.85

-28.0% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Overvalued with unsustainable yield

Key drivers: Dividend payout ratio > 200%, Price vs Intrinsic Value gap, Negative earnings growth

Confidence

90%

Value

30/100

Ref P/E, Graham Number, and Intrinsic Value

Positives

P/B ratio below 1.0

Watchpoints

P/E ratio (41.15) is high for the sector
Price exceeds Graham Number ($4.20)

Future

20/100

Ref Growth rates and Technical Trend

Positives

Slight revenue growth (1.40%)

Watchpoints

Earnings growth is sharply negative (-14.60%)
Technical trend is completely bearish

Past

50/100

Ref Historical price performance

Positives

Positive 1Y and 3Y returns

Watchpoints

Negative 5Y change (-2.0%)

Health

60/100

Ref Piotroski F-Score and Current Ratio

Positives

Piotroski F-Score of 6/9 indicates stability

Watchpoints

Current ratio of 0.05 is critically low

Dividend

15/100

Ref Yield and Payout Ratio

Positives

Yield of 5.35% is attractive on surface

Watchpoints

Payout ratio of 210.38% is a major red flag for sustainability

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$5.35

Multi-Horizon Performance vs Peers

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

Updated 2026-04-29

Company	5Y	3Y	1Y	6M	1M	1W
MFM MFS Municipal Income Trust Primary	-2.0%	+20.9%	+9.6%	+1.4%	+2.9%	-1.3%
MFIN Medallion Financial Corp. Peer	+35.2%	+83.1%	+13.0%	-0.7%	+11.2%	-0.1%
KINS Kingstone Companies, Inc. Peer	+94.8%	+1089.7%	-7.4%	+5.8%	-0.3%	+3.7%
PEBK Peoples Bancorp of North Carolina, Inc. Peer	+110.8%	+57.0%	+67.5%	+41.6%	+12.8%	+0.3%
ATLO Ames National Corporation Peer	+26.8%	+16.5%	+43.4%	+34.4%	+5.2%	+3.1%

MFM

MFS Municipal Income Trust

Primary

-2.0%

+20.9%

+9.6%

+1.4%

+2.9%

-1.3%

MFI

Medallion Financial Corp.

Peer

+35.2%

+83.1%

+13.0%

-0.7%

+11.2%

-0.1%

KIN

Kingstone Companies, Inc.

Peer

+94.8%

+1089.7%

-7.4%

+5.8%

-0.3%

+3.7%

PEB

Peoples Bancorp of North Carolina, Inc.

Peer

+110.8%

+57.0%

+67.5%

+41.6%

+12.8%

+0.3%

ATL

Ames National Corporation

Peer

+26.8%

+16.5%

+43.4%

+34.4%

+5.2%

+3.1%

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

41.15

N/A

0.89

12.7

N/A

$220.35M

Profitability

Profit margins and return metrics

Profit Margin 32.66%

Operating Margin 85.6%

Gross Margin 100.0%

ROE 2.26%

ROA 2.53%

Growth

Revenue and earnings growth rates

Revenue Growth +1.4%

Earnings Growth -14.6%

Q/Q Revenue Growth N/A

Q/Q Earnings Growth -14.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.46

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

$0.4B

Liabilities

$0.1B

Equity

$0.2B

Debt/Equity

0.46x

Financial Services Sector Comparison

Comparing MFM against 900 companies in the Financial Services sector (146 bullish, 386 neutral, 368 bearish)

P/E Ratio

41.15

This Stock

34.62

Sector Avg

+18.9% (Premium)

Return on Equity (ROE)

2.26%

This Stock

0.0%

Sector Avg

+79079.3% (Excellent)

Profit Margin

32.66%

This Stock

91.87%

Sector Avg

-64.4% (Weaker)

Debt to Equity

0.46

This Stock

1.3

Sector Avg

-64.8% (Less Debt)

Revenue Growth

1.4%

This Stock

34.34%

Sector Avg

-95.9% (Slower)

Current Ratio

0.05

This Stock

3.02

Sector Avg

-98.3% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
MFM MFS Municipal Income Trust	BEARISH	$220.35M	41.15	2.3%	32.7%	$5.35
MFIN Medallion Financial Corp.	BULLISH	$221.42M	5.32	11.7%	12.2%	$9.41	Compare
KINS Kingstone Companies, Inc.	BULLISH	$218.31M	5.24	43.0%	19.1%	$15.08	Compare
PEBK Peoples Bancorp of North...	NEUTRAL	$222.65M	11.55	13.8%	22.3%	$41.92	Compare
ATLO Ames National Corporation	NEUTRAL	$215.81M	13.56	8.3%	26.5%	$24.27	Compare

MFM MFS Municipal...

BEARISH

Mkt Cap

$220M

P/E

41.2

ROE

2.3%

Price

$5.35

Compare with MFM

Compare with MFM

Compare with MFM

ATLO Ames National...

Compare with MFM

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-02-02

MFM filed a definitive proxy statement (DEF 14A) on February 2, 2026, providing shareholders with necessary information to vote on corporate matters.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning MFM from our newsroom.

Newest → oldest

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MFM

MFM MFS Municipal Income Trust - 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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