Herzfeld Credit Income Fund Inc. Common Stock (HERZ)

FairStock Score: 24/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Herzfeld Credit Income Fund as a tiny closed-end fund, not an operating business. It has a $33.6 million market cap and closed at $15.00 on 2026-10-13. The fund invests in Caribbean Basin equities, so its fate rests on a narrow, politically and economically sensitive region and on manager judgment. That is not a durable moat in the Graham sense; a fund's 'moat' is its manager, fee structure, and discount control. The given numbers are mixed. It trades at a FairStock P/B of 0.77, so the market values it below accounting book, and the dividend yield is 13.51%. Beta is 0.77, suggesting less market sensitivity than the average stock. But the FairStock P/E is -107.14, ROE is -0.66%, and Piotroski F-Score is 0/9, which point to losses and poor financial momentum. ROCE is 2.32%, barely positive. The Altman Z-Score of 79.38 looks high, but for a closed-end fund that metric is less meaningful than for a manufacturer. Growth data is unavailable, and the Lynch category is 'none' because only zero years of filed results exist when three are needed. The FairStock Score is 24/100. The 52-week range of $13.71 to $28.30 shows the shares have fallen hard; at $15.00 they sit near the low. A high yield and sub-book price can be attractive, but without positive earnings or a multi-year record, I would treat the discount as a question mark, not a bargain. Price is low versus book, but quality and trajectory are not yet proven.

In plain English: It is a small closed-end fund that invests in stocks from the Caribbean Basin. The business looks weak right now: it is losing money, has no multi-year record shown, and gets a low score. The price is below its accounting value, but that may just reflect the losses and the risky, high dividend.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer