MMD

BEARISH

$14.88 Live

NYLI MacKay DefinedTerm Muni Opportunities Fund · NYSE

$14.37 52W Range $15.82

MMD NYLI MacKay DefinedTerm Muni Opportunities Fund - Fundamental Analysis

BEARISH

Console Chart News

MMD Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Asset Management

Current Price Live

$14.88

52W High

$15.82

52W Low

$14.37

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

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 30, 2026

Market cap

$279.44M

P/E

148.8

ROE

0.6%

Profit margin

8.2%

Debt/Equity

0.52

Dividend yield

5.44%

AI Analysis

AI-powered fundamental assessment

Confidence

90%

MMD presents a high-risk profile characterized by a stable Piotroski F-Score of 5/9 but severe valuation disconnects. The current price of $14.88 trades at a massive premium to both the Graham Number ($6.08) and the Intrinsic Value ($1.51). Financial stability is undermined by a catastrophic dividend payout ratio of 720%, indicating that distributions are not supported by earnings. Combined with negative revenue growth (-15%) and a bearish technical trend (0/100), the fund appears fundamentally overvalued.

Key Strengths

Price-to-Book ratio of 0.91 suggests the asset is trading near its accounting value

Current and Quick ratios of 2.15 indicate strong short-term liquidity

Piotroski F-Score of 5/9 indicates stable financial health

Moderate Debt/Equity ratio of 0.52 compared to sector average

Positive earnings growth of 5.40% despite revenue declines

Key Risks

Extreme overvaluation relative to Graham Number and Intrinsic Value

Unsustainable dividend payout ratio of 720%

Significant revenue contraction of -15.00% YoY

Bearish technical trend (0/100) and negative 5-year price performance

Bearish insider sentiment with net selling activity

AI Fair Value Estimate

Based on comprehensive analysis

$6.08

-59.1% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Overvalued / High Risk

Key drivers: Unsustainable payout ratio, Severe valuation gap, Negative revenue growth, Bearish technicals

Confidence

90%

Value

15/100

Ref P/E 148.80, Graham Number $6.08

Positives

P/B ratio below 1.0

Watchpoints

P/E ratio of 148.80 is extreme
Price is >2x the Graham Number
Price is >9x the Intrinsic Value

Future

30/100

Ref Revenue Growth -15.00%

Positives

Slight positive earnings growth

Watchpoints

Revenue growth is -15%
Lack of analyst coverage/targets

Past

40/100

Ref Historical price trends

Positives

1Y change is positive (+7.3%)

Watchpoints

5Y change is negative (-14.1%)
Technical trend is 0/100

Health

65/100

Ref Piotroski F-Score 5/9

Positives

Piotroski F-Score 5/9 (Stable)
Strong Current Ratio (2.15)

Watchpoints

Low ROE (0.59%)

Dividend

10/100

Ref Payout Ratio 720%

Positives

Yield of 5.44% is attractive on surface

Watchpoints

Payout ratio of 720% is fundamentally unsustainable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$14.88

Multi-Horizon Performance vs Peers

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

Updated 2026-04-29

Company	5Y	3Y	1Y	6M	1M	1W
MMD NYLI MacKay DefinedTerm Muni Opportunities Fund Primary	-14.1%	-0.1%	+7.3%	+0.8%	+2.9%	-1.9%
XCBE X3 Acquisition Corp. Ltd. Peer	0.0%	0.0%	0.0%	0.0%	+0.6%	+0.3%
FVCB FVCBankcorp, Inc. Peer	+6.3%	+65.5%	+58.5%	+30.1%	+6.5%	+0.8%
DBL DoubleLine Opportunistic Credit Fund Peer	+10.1%	+28.6%	+1.0%	-4.3%	+0.6%	-1.0%
MIN MFS Intermediate Income Trust Peer	+4.4%	+17.1%	+1.1%	-0.3%	+1.6%	-1.2%

MMD

NYLI MacKay DefinedTerm Muni Opportunities Fund

Primary

-14.1%

-0.1%

+7.3%

+0.8%

+2.9%

-1.9%

XCB

X3 Acquisition Corp. Ltd.

Peer

0.0%

+0.6%

+0.3%

FVC

FVCBankcorp, Inc.

Peer

+6.3%

+65.5%

+58.5%

+30.1%

+6.5%

+0.8%

DBL

DoubleLine Opportunistic Credit Fund

Peer

+10.1%

+28.6%

+1.0%

-4.3%

+0.6%

-1.0%

MIN

MFS Intermediate Income Trust

Peer

+4.4%

+17.1%

+1.1%

-0.3%

+1.6%

-1.2%

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

148.8

N/A

0.91

12.24

N/A

$279.44M

Profitability

Profit margins and return metrics

Profit Margin 8.17%

Operating Margin 85.8%

Gross Margin 100.0%

ROE 0.59%

ROA 2.48%

Growth

Revenue and earnings growth rates

Revenue Growth -15.0%

Earnings Growth +5.4%

Q/Q Revenue Growth N/A

Q/Q Earnings Growth +5.4%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.52

Moderate

Current Ratio

2.15

Strong

Quick Ratio

2.15

Excellent

Cash/Share

$N/A

Financial Statement Flow

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

Total Assets

$0.5B

Liabilities

$0.2B

Equity

$0.3B

Debt/Equity

0.53x

Financial Services Sector Comparison

Comparing MMD against 915 companies in the Financial Services sector (148 bullish, 394 neutral, 373 bearish)

P/E Ratio

148.8

This Stock

34.57

Sector Avg

+330.5% (Expensive)

Return on Equity (ROE)

0.59%

This Stock

0.12%

Sector Avg

+393.7% (Excellent)

Profit Margin

8.17%

This Stock

92.09%

Sector Avg

-91.1% (Weaker)

Debt to Equity

0.52

This Stock

1.29

Sector Avg

-59.6% (Less Debt)

Revenue Growth

-15.0%

This Stock

33.99%

Sector Avg

-144.1% (Slower)

Current Ratio

2.15

This Stock

3.02

Sector Avg

-29.1% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
MMD NYLI MacKay DefinedTerm...	BEARISH	$279.44M	148.8	0.6%	8.2%	$14.88
XCBE X3 Acquisition Corp. Ltd.	BEARISH	$278.44M	-	-%	-%	$9.9	Compare
FVCB FVCBankcorp, Inc.	BULLISH	$280.61M	12.9	9.0%	33.5%	$15.61	Compare
DBL DoubleLine Opportunistic...	BEARISH	$282.12M	13.21	-%	-%	$14.27	Compare
MIN MFS Intermediate Income Trust	BEARISH	$282.22M	15.5	5.8%	148.2%	$2.48	Compare

MMD NYLI MacKay...

BEARISH

Mkt Cap

$279M

P/E

148.8

ROE

0.6%

Price

$14.88

XCBE X3 Acquisition...

Compare with MMD

FVCB FVCBankcorp, Inc.

Compare with MMD

Compare with MMD

Compare with MMD

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2025-11-25	DIMELLA ROBERT A	Other Executive	Sale	-	$11
2025-11-20	DIMELLA ROBERT A	Other Executive	Sale	11,964	$177,556

DIMELLA ROBERT A

Other Executive

Sell

2025-11-25

$11

DIMELLA ROBERT A

Other Executive

Sell

2025-11-20

11,964 shares · $177,556

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

NYLI MACKAY DEFINEDTERM MUNICIPAL OPPORTUNITIES FUND

2025-07-21

NYLI Mackay DefinedTerm Municipal Opportunities Fund (MMD) filed a definitive proxy statement on July 21, 2025, to provide shareholders with information necessary to vote on fund-related matters.

8-K

NYLI MACKAY DEFINEDTERM MUNICIPAL OPPORTUNITIES FUND

2024-12-09

DEF 14A

MAINSTAY MACKAY DEFINEDTERM MUNICIPAL OPPORTUNITIES FUND

2024-07-25

MainStay Mackay DefinedTerm Municipal Opportunities Fund (MMD) filed a definitive proxy statement on July 25, 2024, to provide shareholders with information regarding matters to be voted upon.

8-K

MAINSTAY MACKAY DEFINEDTERM MUNICIPAL OPPORTUNITIES FUND

2024-07-25

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning MMD from our newsroom.

Newest → oldest

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MMD

MMD NYLI MacKay DefinedTerm Muni Opportunities 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

Recent Insider Trading

SEC Filings

Past News Coverage

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