Blackrock MuniHoldings New Jersey Quality Fund Inc. Common Stock (MUJ)

FairStock Score: 46/100 — MIXED

Key Financials

AI Analysis

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

I look at this not as an operating business but as a closed-end bond fund. It invests in long-term, investment-grade New Jersey municipal obligations exempt from federal and New Jersey personal income taxes. That tax-exempt income stream is the product; there is no real competitive moat beyond BlackRock's management scale and the fund's mandate. The numbers tell a mixed story. At the 2026-10-13 close of $11.38, FairStock's P/E is 24.74 and P/B is 0.90, so the market price is below book value. FairStock's Graham Number is $11.43, leaving only 0.44% margin of safety. The dividend yield is 5.56%, and beta is 0.57. Profitability is modest: ROE is 3.65% and ROCE is 2.23%. Leverage shows D/E at 0.65. The financial-health scores are weak: Piotroski F-Score 1/9 and Altman Z-Score 0.78; FairStock Score is 46/100. Growth trajectory is unclear because revenue and profit growth are N/A, and the Lynch category is none because there are only 0 years of filed results, versus the 3 needed. The 52-week range is $11.01 to $12.68. For a Graham-style investor, the discount to book is the main attraction, but the tiny margin of safety versus the Graham Number and poor quality scores argue for caution. A tax-free 5.56% yield may be attractive, but it must be weighed against weak profitability and leverage. I would want more filed history and stronger balance-sheet signals before calling this a bargain.

In plain English: BlackRock MuniHoldings New Jersey Quality Fund is a fund that owns New Jersey municipal bonds, aiming to pay income free from federal and New Jersey personal income taxes. Its profits have been modest, and some financial health signs look weak, but the shares are priced close to the value of the fund's assets and offer a 5.56% dividend yield. Based on the numbers provided, the price looks roughly fair rather than clearly cheap or expensive.

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