ISTR vs. AFRM
ISTR (Investar Holding Corporation) and AFRM (Affirm Holdings, Inc.) are both stocks. ISTR operates in Banks - Regional (Financial Services), while AFRM operates in Information Technology Services (Technology). Over the past 5 years, ISTR returned 8.85%/yr vs 4.89%/yr for AFRM. Their 0.21 correlation means their historical movements had little consistent relationship.
Performance
ISTR vs. AFRM - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, ISTR achieves a 13.64% return, which is significantly higher than AFRM's -3.92% return.
ISTR
- 1D
- 0.97%
- 1M
- 2.14%
- 6M
- 6.73%
- YTD
- 13.64%
- 1Y
- 44.03%
- 3Y*
- 31.27%
- 5Y*
- 8.85%
- 10Y*
- 8.91%
- ALL TIME*
- 7.89%
AFRM
- 1D
- -2.38%
- 1M
- -15.45%
- 6M
- 18.59%
- YTD
- -3.92%
- 1Y
- 7.68%
- 3Y*
- 53.92%
- 5Y*
- 4.89%
- 10Y*
- —
- ALL TIME*
- -4.24%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $252.44M | $283.73M | $329.04M | |
| $5.83M | $6.02M | $5.51M |
ISTR vs. AFRM - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
ISTR Investar Holding Corporation | 13.64% | 24.18% | 50.68% | -28.59% | 19.04% | 6.61% |
AFRM Affirm Holdings, Inc. | -3.92% | 22.22% | 23.93% | 408.17% | -90.38% | 10.63% |
Correlation
The correlation between ISTR and AFRM is 0.23, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.23 |
Correlation (3Y) Balances recent behavior with more history. | 0.26 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.22 |
Correlation (All Time) Calculated using the full available price history since Jan 13, 2021 | 0.21 |
Fundamentals
ISTR:
$325.65M
AFRM:
$23.95B
ISTR:
$2.60
AFRM:
$1.10
ISTR:
11.59
AFRM:
65.18
ISTR:
2.91
AFRM:
7.79
ISTR:
1.13
AFRM:
6.58
ISTR:
$134.06M
AFRM:
$3.20B
ISTR:
$81.94M
AFRM:
$2.00B
ISTR:
$29.28M
AFRM:
$908.84M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
ISTR vs. AFRM — Risk / Return Rank
ISTR
AFRM
ISTR vs. AFRM - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Investar Holding Corporation (ISTR) and Affirm Holdings, Inc. (AFRM). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| ISTR | AFRM | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.67 | ||
| Sortino ratioReturn per unit of downside risk | +1.99 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.06 | +0.25 |
| Calmar ratioReturn relative to maximum drawdown | 3.47 | 0.08 | +3.39 |
| Martin ratioReturn relative to average drawdown | 9.22 | 0.16 | +9.07 |
Loading charts...
Drawdowns
ISTR vs. AFRM - Drawdown Comparison
The maximum ISTR drawdown since its inception was -68.22%, smaller than the maximum AFRM drawdown of -94.71%. Use the drawdown chart below to compare losses from any high point for ISTR and AFRM.
Loading charts...
Drawdown Indicators
| ISTR | AFRM | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -68.22% | -94.71% | +26.49% |
Max Drawdown (1Y)Largest decline over 1 year | -11.92% | -53.86% | +41.94% |
Max Drawdown (3Y)Largest decline over 3 years | -36.46% | -55.85% | +19.39% |
Max Drawdown (5Y)Largest decline over 5 years | -59.35% | -94.71% | +35.36% |
Max Drawdown (10Y)Largest decline over 10 years | -68.22% | — | — |
Current DrawdownCurrent decline from peak | -0.30% | -57.57% | +57.27% |
Average DrawdownAverage peak-to-trough decline | -20.65% | -68.30% | +47.65% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.48% | 27.69% | -23.21% |
Volatility
ISTR vs. AFRM - Volatility Comparison
The current volatility for Investar Holding Corporation (ISTR) is 6.57%, while Affirm Holdings, Inc. (AFRM) has a volatility of 11.99%. This indicates that ISTR experiences smaller price fluctuations and is considered to be less risky than AFRM based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| ISTR | AFRM | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.57% | 11.99% | -5.42% |
Volatility (6M)Calculated over the trailing 6-month period | 15.63% | 42.76% | -27.13% |
Volatility (1Y)Calculated over the trailing 1-year period | 23.75% | 62.28% | -38.53% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 30.41% | 96.24% | -65.83% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 36.28% | 94.69% | -58.41% |
Dividends
ISTR vs. AFRM - Dividend Comparison
ISTR's dividend yield for the trailing twelve months is around 1.49%, while AFRM has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AFRM Affirm Holdings, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
ISTR Investar Holding Corporation | 1.49% | 1.63% | 1.87% | 2.65% | 1.70% | 2.66% | 1.51% | 0.95% | 0.81% | 0.30% | 0.23% | 0.18% |
Financials
ISTR vs. AFRM - Financials Comparison
This section allows you to compare key financial metrics between Investar Holding Corporation and Affirm Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
Frequently Asked Questions
ISTR and AFRM have a correlation of 0.23, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
AFRM has higher volatility (11.99%) compared to ISTR (6.57%). In terms of maximum drawdown, ISTR dropped -68.22% vs AFRM's -94.71%.
ISTR currently has the higher Sharpe Ratio (1.74 vs 0.07), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for ISTR and AFRM
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer