ISTR vs SAY

Comparison between Investar Holding Corp (ISTR, Company) and Saratoga Investment Corp (SAY, Company).

ISTR vs SAY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ISTR(COMPANY)	SAY(COMPANY)
Market Cap	$410M	$410M
Max Drawdown	68.64%	5.56%
Sharpe Ratio	1.96	1.02
5Y Beta	0.77	0.01
Industry	Banks - Regional	N/A
P/E Ratio	11.63	10.94
Forward P/E	9.84	N/A
PEG Ratio	0.75	0.37
Dividend Yield	1.47%	N/A
5Y Dividends CAGR	1.74%	N/A
5Y EPS CAGR	7.89%	N/A
Debt to Equity	0.00%	186.64%
Free Cash Flow Yield	5.77%	-21.49%
P/S Ratio	3.84	N/A
P/B Ratio	1.07	N/A

Market Cap

Winner

ISTR

$410M

SAY

$410M

Max Drawdown

ISTR

68.64%

Winner

SAY

5.56%

Sharpe Ratio

Winner

ISTR

1.96

SAY

1.02

5Y Beta

ISTR

0.77

Winner

SAY

0.01

Industry

ISTR

Banks - Regional

SAY

N/A

P/E Ratio

ISTR

11.63

Winner

SAY

10.94

Forward P/E

ISTR

9.84

SAY

N/A

PEG Ratio

ISTR

0.75

Winner

SAY

0.37

Dividend Yield

ISTR

1.47%

SAY

N/A

5Y Dividends CAGR

ISTR

1.74%

SAY

N/A

5Y EPS CAGR

ISTR

7.89%

SAY

N/A

Debt to Equity

Winner

ISTR

0.00%

SAY

186.64%

Free Cash Flow Yield

Winner

ISTR

5.77%

SAY

-21.49%

P/S Ratio

ISTR

3.84

SAY

N/A

P/B Ratio

ISTR

1.07

SAY

N/A

ISTR vs SAY - Historical Returns

Returns include dividend reinvestment.

Period	ISTR	SAY
1 month	+4.62%	+0.69%
3 months	+10.66%	+2.29%
6 months	+10.55%	+4.36%
1 year	+61.65%	+8.14%
5 years(CAGR)	+8.34%	N/A
10 years(CAGR)	+7.94%	N/A
Max(CAGR)	+7.88%	+8.99%

Winner

ISTR

+4.62%

SAY

+0.69%

Winner

ISTR

+10.66%

SAY

+2.29%

Winner

ISTR

+10.55%

SAY

+4.36%

Winner

ISTR

+61.65%

SAY

+8.14%

5Y(CAGR)

ISTR

+8.34%

SAY

N/A

10Y(CAGR)

ISTR

+7.94%

SAY

N/A

Max(CAGR)

ISTR

+7.88%

Winner

SAY

+8.99%

ISTR vs SAY - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	ISTR	SAY
2026	+14.46%	+4.19%
2025	+28.40%	+8.28%
2024	+50.78%	+9.25%
2023	-28.77%	+9.76%
2022	+20.41%	+0.77%
2021	+14.24%	N/A
2020	-30.20%	N/A
2019	-0.31%	N/A
2018	+5.99%	N/A
2017	+27.57%	N/A
2016	+7.22%	N/A
2015	+25.96%	N/A
2014	-2.37%	N/A

ISTR vs SAY Drawdown Comparison

The maximum drawdown for ISTR was -68.22%, occurring on Mar 23, 2020. Recovery took 1864 trading sessions.

The maximum drawdown for SAY was -2.96%, occurring on May 16, 2023. Recovery took 69 trading sessions.

The current ISTR drawdown is -0.90%. The current SAY drawdown is -0.33%.

Rank	ISTR	SAY
#1	-68.22% Jul 6, 2018 - Dec 4, 2025	-2.96% Mar 9, 2023 - Jun 16, 2023
#2	-22.12% Dec 14, 2015 - Nov 18, 2016	-1.30% Mar 19, 2026 - Apr 27, 2026
#3	-13.33% Mar 30, 2015 - Nov 25, 2015	-1.25% Jan 18, 2024 - Feb 14, 2024
#4	-11.92% Feb 6, 2026 - Jun 12, 2026	-1.19% Oct 10, 2023 - Nov 7, 2023
#5	-10.31% Feb 17, 2015 - Mar 9, 2015	-1.17% Aug 29, 2025 - Nov 3, 2025
#6	-9.92% Jul 16, 2014 - Dec 16, 2014	-1.16% Mar 21, 2025 - Apr 23, 2025
#7	-9.22% Dec 18, 2014 - Feb 17, 2015	-0.94% Sep 12, 2024 - Nov 12, 2024
#8	-8.56% Feb 1, 2018 - Mar 16, 2018	-0.84% Jan 28, 2026 - Mar 19, 2026
#9	-7.91% Jul 5, 2017 - Sep 26, 2017	-0.82% Apr 9, 2024 - May 2, 2024
#10	-6.45% Apr 24, 2018 - May 21, 2018	-0.79% Feb 27, 2024 - Apr 3, 2024
#11	-6.35% Oct 20, 2017 - Dec 18, 2017	-0.76% Aug 23, 2023 - Sep 11, 2023
#12	-6.15% Dec 16, 2016 - Dec 29, 2016	-0.75% Dec 27, 2023 - Jan 3, 2024
#13	-5.54% Jan 26, 2017 - Feb 9, 2017	-0.72% Jul 3, 2023 - Jul 24, 2023
#14	-5.29% Jan 17, 2018 - Feb 1, 2018	-0.71% May 16, 2025 - Jun 4, 2025
#15	-4.95% Mar 19, 2018 - Apr 18, 2018	-0.71% Nov 29, 2024 - Dec 20, 2024

Correlation

Correlation between ISTR and SAY is 0.85 which considered as a strong positive correlation - the stocks tend to move together.

0.85

-101

Dividend Comparison (2014 - 2026)

ISTR vs SAY dividend yield comparison.

Year	ISTR	SAY
2026	0.37%	4.01%
2025	1.63%	8.03%
2024	1.87%	8.03%
2023	2.65%	7.77%
2022	1.70%	0.00%
2021	2.66%	0.00%
2020	1.51%	0.00%
2019	0.95%	0.00%
2018	0.81%	0.00%
2017	0.30%	0.00%
2016	0.23%	0.00%
2015	0.18%	0.00%
2014	0.10%	0.00%