KINS vs HERZ

Comparison between Kingstone Cos. Inc (KINS, Company) and Herzfeld Credit Income Fund Inc Com (HERZ, Company).

Both KINS and HERZ are from the Financial Services sector.

KINS vs HERZ - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	KINS(COMPANY)	HERZ(COMPANY)
Market Cap	$229M	$230M
Max Drawdown	99.52%	46.61%
Sharpe Ratio	0.32	0.45
5Y Beta	0.96	N/A
Industry	Insurance - Property & Casualty	Asset Management
P/E Ratio	7.24	-345.65
Forward P/E	7.47	N/A
PEG Ratio	0.24	N/A
Dividend Yield	0.94%	N/A
5Y Dividends CAGR	4.56%	N/A
5Y EPS CAGR	30.71%	N/A
Debt to Equity	3.60%	N/A
Free Cash Flow Yield	27.87%	N/A
P/S Ratio	1.02	203.38
P/B Ratio	1.95	5.13

Market Cap

KINS

$229M

Winner

HERZ

$230M

Max Drawdown

KINS

99.52%

Winner

HERZ

46.61%

Sharpe Ratio

KINS

0.32

Winner

HERZ

0.45

5Y Beta

KINS

0.96

HERZ

N/A

Industry

KINS

Insurance - Property & Casualty

HERZ

Asset Management

P/E Ratio

KINS

7.24

Winner

HERZ

-345.65

Forward P/E

KINS

7.47

HERZ

N/A

PEG Ratio

KINS

0.24

HERZ

N/A

Dividend Yield

KINS

0.94%

HERZ

N/A

5Y Dividends CAGR

KINS

4.56%

HERZ

N/A

5Y EPS CAGR

KINS

30.71%

HERZ

N/A

Debt to Equity

KINS

3.60%

HERZ

N/A

Free Cash Flow Yield

KINS

27.87%

HERZ

N/A

P/S Ratio

Winner

KINS

1.02

HERZ

203.38

P/B Ratio

Winner

KINS

1.95

HERZ

5.13

KINS vs HERZ - Historical Returns

Returns include dividend reinvestment.

Period	KINS	HERZ
1 month	+10.56%	-4.36%
3 months	+7.79%	+5.76%
6 months	+2.31%	-12.65%
1 year	+8.76%	+14.11%
5 years(CAGR)	+15.69%	N/A
10 years(CAGR)	+8.19%	N/A
Max(CAGR)	+5.94%	+15.23%

Winner

KINS

+10.56%

HERZ

-4.36%

Winner

KINS

+7.79%

HERZ

+5.76%

Winner

KINS

+2.31%

HERZ

-12.65%

KINS

+8.76%

Winner

HERZ

+14.11%

5Y(CAGR)

KINS

+15.69%

HERZ

N/A

10Y(CAGR)

KINS

+8.19%

HERZ

N/A

Max(CAGR)

KINS

+5.94%

Winner

HERZ

+15.23%

KINS vs HERZ - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	KINS	HERZ
2026	+0.48%	-22.62%
2025	+12.70%	+49.49%
2024	+655.72%	N/A
2023	+50.00%	N/A
2022	-74.17%	N/A
2021	-21.17%	N/A
2020	-13.59%	N/A
2019	-54.93%	N/A
2018	-6.05%	N/A
2017	+40.40%	N/A
2016	+61.15%	N/A
2015	+15.12%	N/A
2014	+16.85%	N/A
2013	+54.91%	N/A
2012	+48.19%	N/A
2011	-6.15%	N/A
2010	+33.08%	N/A
2009	+418.75%	N/A
2008	-72.41%	N/A
2007	-45.07%	N/A
2006	+5.88%	N/A
2005	-66.71%	N/A
2004	+63.16%	N/A
2003	+143.59%	N/A
2002	+21.87%	N/A
2001	+14.29%	N/A
2000	-70.21%	N/A
1999	-3.09%	N/A

KINS vs HERZ Drawdown Comparison

The maximum drawdown for KINS was -99.52%, occurring on Mar 18, 2009. Recovery took 2301 trading sessions.

The maximum drawdown for HERZ was -33.63%, occurring on Feb 27, 2026. This drawdown has not yet recovered.

The current KINS drawdown is -24.12%. The current HERZ drawdown is -23.67%.

Rank	KINS	HERZ
#1	-99.52% Nov 29, 2004 - Jan 21, 2014	-33.63% Dec 31, 2025 - Feb 27, 2026
#2	-96.20% Jan 23, 2018 - Apr 29, 2025	-16.24% Jul 8, 2025 - Nov 21, 2025
#3	-79.65% Dec 1, 1999 - Aug 5, 2003	-3.99% Dec 29, 2025 - Dec 31, 2025
#4	-38.85% May 9, 2025 - Sep 9, 2025	-3.44% Dec 4, 2025 - Dec 26, 2025
#5	-38.78% Mar 9, 2004 - Oct 6, 2004	-1.16% Nov 21, 2025 - Dec 2, 2025
#6	-29.57% Aug 5, 2003 - Jan 20, 2004	N/A
#7	-26.33% Nov 27, 2015 - Oct 10, 2016	N/A
#8	-24.91% Jan 21, 2014 - Sep 4, 2014	N/A
#9	-22.68% Nov 1, 1999 - Nov 16, 1999	N/A
#10	-22.50% Oct 6, 2004 - Nov 29, 2004	N/A
#11	-21.49% Jan 26, 2004 - Feb 19, 2004	N/A
#12	-19.80% Nov 18, 1999 - Nov 29, 1999	N/A
#13	-17.10% Nov 28, 2014 - Aug 19, 2015	N/A
#14	-15.51% Apr 29, 2025 - May 9, 2025	N/A
#15	-14.39% Jul 31, 2017 - Oct 2, 2017	N/A

Correlation

Correlation between KINS and HERZ is 0.39 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.39

-101

Dividend Comparison (2011 - 2026)

KINS vs HERZ dividend yield comparison.

Year	KINS	HERZ
2026	0.62%	2.05%
2025	0.59%	61.86%
2022	8.89%	0.00%
2021	3.20%	0.00%
2020	2.74%	0.00%
2019	4.19%	0.00%
2018	2.26%	0.00%
2017	1.61%	0.00%
2016	1.82%	0.00%
2015	2.36%	0.00%
2014	2.21%	0.00%
2013	2.20%	0.00%
2012	2.88%	0.00%
2011	1.67%	0.00%