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