EFSI vs HERZ
Comparison between Eagle Financial Services Inc (EFSI, Company) and Herzfeld Credit Income Fund Inc Com (HERZ, Company).
Both EFSI and HERZ are from the Financial Services sector.
EFSI vs HERZ - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Market Cap
EFSI
$230M
Winner
HERZ
$230M
Max Drawdown
Winner
EFSI
39.79%
HERZ
46.61%
Sharpe Ratio
Winner
EFSI
1.58
HERZ
0.45
5Y Beta
EFSI
0.50
HERZ
N/A
Industry
EFSI
Banks - Regional
HERZ
Asset Management
P/E Ratio
EFSI
15.18
Winner
HERZ
-345.65
PEG Ratio
EFSI
0.13
HERZ
N/A
Dividend Yield
EFSI
2.90%
HERZ
N/A
5Y Dividends CAGR
EFSI
7.90%
HERZ
N/A
5Y EPS CAGR
EFSI
-2.58%
HERZ
N/A
Debt to Equity
EFSI
15.55%
HERZ
N/A
Free Cash Flow Yield
EFSI
10.09%
HERZ
N/A
P/S Ratio
Winner
EFSI
2.81
HERZ
203.38
P/B Ratio
Winner
EFSI
1.19
HERZ
5.13
EFSI vs HERZ - Historical Returns
Returns include dividend reinvestment.
1M
Winner
EFSI
+16.25%
HERZ
-4.36%
3M
Winner
EFSI
+34.17%
HERZ
+5.76%
6M
Winner
EFSI
+10.64%
HERZ
-12.65%
1Y
Winner
EFSI
+48.00%
HERZ
+14.11%
5Y(CAGR)
EFSI
+8.33%
HERZ
N/A
10Y(CAGR)
EFSI
+10.08%
HERZ
N/A
Max(CAGR)
EFSI
+9.91%
Winner
HERZ
+15.23%
EFSI vs HERZ - Annual Returns (2016 - 2026)
Returns include dividend reinvestment.
| Year | EFSI | HERZ |
|---|---|---|
| 2026 | +11.20% | -22.62% |
| 2025 | +13.43% | +49.49% |
| 2024 | +26.12% | N/A |
| 2023 | -13.43% | N/A |
| 2022 | +7.13% | N/A |
| 2021 | +20.68% | N/A |
| 2020 | -1.35% | N/A |
| 2019 | +5.10% | N/A |
| 2018 | -0.40% | N/A |
| 2017 | +29.33% | N/A |
| 2016 | +15.93% | N/A |
EFSI vs HERZ Drawdown Comparison
The maximum drawdown for EFSI was -36.45%, occurring on Mar 25, 2020. Recovery took 727 trading sessions.
The maximum drawdown for HERZ was -33.63%, occurring on Feb 27, 2026. This drawdown has not yet recovered.
The current HERZ drawdown is -23.67%.
| Rank | EFSI | HERZ |
|---|---|---|
| #1 | -36.45% Jul 24, 2018 - Jun 16, 2021 | -33.63% Dec 31, 2025 - Feb 27, 2026 |
| #2 | -23.07% Nov 14, 2022 - Nov 27, 2024 | -16.24% Jul 8, 2025 - Nov 21, 2025 |
| #3 | -21.24% Dec 18, 2025 - Jun 4, 2026 | -3.99% Dec 29, 2025 - Dec 31, 2025 |
| #4 | -19.17% Feb 3, 2025 - Aug 22, 2025 | -3.44% Dec 4, 2025 - Dec 26, 2025 |
| #5 | -12.14% Jun 19, 2017 - Feb 20, 2018 | -1.16% Nov 21, 2025 - Dec 2, 2025 |
| #6 | -11.78% Sep 23, 2025 - Dec 10, 2025 | N/A |
| #7 | -5.29% Aug 19, 2022 - Nov 14, 2022 | N/A |
| #8 | -4.85% Dec 7, 2016 - Jan 5, 2017 | N/A |
| #9 | -4.79% Jan 11, 2016 - Mar 14, 2016 | N/A |
| #10 | -4.77% Mar 14, 2016 - Aug 22, 2016 | N/A |
| #11 | -4.66% Aug 3, 2022 - Aug 9, 2022 | N/A |
| #12 | -3.92% Nov 30, 2021 - Feb 18, 2022 | N/A |
| #13 | -3.74% Jan 23, 2017 - Feb 3, 2017 | N/A |
| #14 | -3.44% Aug 24, 2021 - Oct 26, 2021 | N/A |
| #15 | -3.38% Jul 9, 2018 - Jul 24, 2018 | N/A |
Correlation
Correlation between EFSI and HERZ is 0.55 which considered as a moderate positive correlation - the stocks show some tendency to move together.
0.55
-101
Dividend Comparison (2016 - 2026)
EFSI vs HERZ dividend yield comparison.
| Year | EFSI | HERZ |
|---|---|---|
| 2026 | 1.44% | 2.05% |
| 2025 | 3.12% | 61.86% |
| 2024 | 3.32% | 0.00% |
| 2023 | 4.00% | 0.00% |
| 2022 | 3.20% | 0.00% |
| 2021 | 3.17% | 0.00% |
| 2020 | 3.53% | 0.00% |
| 2019 | 3.22% | 0.00% |
| 2018 | 3.03% | 0.00% |
| 2017 | 2.75% | 0.00% |
| 2016 | 3.18% | 0.00% |
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