CZNC vs PAYS

Comparison between Citizens & Northern Corp (CZNC, Company) and PaySign Inc (PAYS, Company).

CZNC is from the Financial Services sector, while PAYS is from the Technology sector.

5-Year PerformancePAYS has outperformed CZNC, delivering a return of +14.1% compared to +2.8%

CZNC vs PAYS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZNC(COMPANY)	PAYS(COMPANY)
Market Cap	$389M	$387M
Max Drawdown	77.47%	98.95%
Sharpe Ratio	0.78	0.71
5Y Beta	0.60	1.25
Industry	Banks - Regional	Software - Infrastructure
P/E Ratio	20.37	32.93
Forward P/E	11.19	28.99
PEG Ratio	1.21	0.15
Dividend Yield	5.25%	N/A
5Y Dividends CAGR	0.54%	N/A
5Y EPS CAGR	-7.02%	10.08%
Debt to Equity	4.05%	11.16%
Free Cash Flow Yield	9.65%	19.58%
P/S Ratio	3.43	4.09
P/B Ratio	1.14	7.06

Market Cap

Winner

CZNC

$389M

PAYS

$387M

Max Drawdown

Winner

CZNC

77.47%

PAYS

98.95%

Sharpe Ratio

Winner

CZNC

0.78

PAYS

0.71

5Y Beta

Winner

CZNC

0.60

PAYS

1.25

Industry

CZNC

Banks - Regional

PAYS

Software - Infrastructure

P/E Ratio

Winner

CZNC

20.37

PAYS

32.93

Forward P/E

Winner

CZNC

11.19

PAYS

28.99

PEG Ratio

CZNC

1.21

Winner

PAYS

0.15

Dividend Yield

CZNC

5.25%

PAYS

N/A

5Y Dividends CAGR

CZNC

0.54%

PAYS

N/A

5Y EPS CAGR

CZNC

-7.02%

Winner

PAYS

10.08%

Debt to Equity

Winner

CZNC

4.05%

PAYS

11.16%

Free Cash Flow Yield

CZNC

9.65%

Winner

PAYS

19.58%

P/S Ratio

Winner

CZNC

3.43

PAYS

4.09

P/B Ratio

Winner

CZNC

1.14

PAYS

7.06

CZNC vs PAYS - Historical Returns

Returns include dividend reinvestment.

Period	CZNC	PAYS
1 month	+5.05%	+5.11%
3 months	+3.15%	+97.46%
6 months	+4.40%	+27.32%
1 year	+23.68%	+38.42%
5 years(CAGR)	+2.80%	+14.12%
10 years(CAGR)	+5.89%	+43.06%
Max(CAGR)	+5.42%	+13.12%

CZNC

+5.05%

Winner

PAYS

+5.11%

CZNC

+3.15%

Winner

PAYS

+97.46%

CZNC

+4.40%

Winner

PAYS

+27.32%

CZNC

+23.68%

Winner

PAYS

+38.42%

5Y(CAGR)

CZNC

+2.80%

Winner

PAYS

+14.12%

10Y(CAGR)

CZNC

+5.89%

Winner

PAYS

+43.06%

Max(CAGR)

CZNC

+5.42%

Winner

PAYS

+13.12%

CZNC vs PAYS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CZNC	PAYS
2026	+13.28%	+40.93%
2025	+16.98%	+80.07%
2024	-13.54%	+13.11%
2023	+3.80%	+12.90%
2022	-8.18%	+37.97%
2021	+35.53%	-65.74%
2020	-25.64%	-52.99%
2019	+11.86%	+183.52%
2018	+14.65%	+375.68%
2017	-4.00%	+118.56%
2016	+35.90%	+45.22%
2015	+6.44%	-2.99%
2014	+6.82%	+48.19%
2013	+13.78%	-46.13%
2012	+4.51%	+197.00%
2011	+25.65%	-4.76%
2010	+58.99%	+425.00%
2009	-49.99%	-63.64%
2008	+17.35%	-92.14%
2007	-14.91%	+0.00%
2006	-10.49%	N/A
2005	-0.87%	N/A
2004	+6.18%	N/A
2003	+35.71%	N/A
2002	+27.68%	N/A
2001	+36.99%	N/A
2000	-22.66%	N/A
1999	-6.13%	N/A

CZNC vs PAYS Drawdown Comparison

The maximum drawdown for CZNC was -72.51%, occurring on Nov 27, 2009. Recovery took 2815 trading sessions.

The maximum drawdown for PAYS was -98.95%, occurring on Jan 30, 2009. Recovery took 2520 trading sessions.

The current CZNC drawdown is -6.54%. The current PAYS drawdown is -61.06%.

Rank	CZNC	PAYS
#1	-72.51% Jul 22, 2005 - Sep 27, 2016	-98.95% Mar 4, 2008 - Mar 7, 2018
#2	-44.88% May 14, 2019 - Oct 7, 2021	-93.09% Jul 18, 2019 - May 12, 2022
#3	-36.38% Dec 6, 1999 - Apr 8, 2002	-42.86% Oct 10, 2007 - Mar 4, 2008
#4	-34.20% Nov 11, 2021 - Jan 22, 2026	-35.35% Sep 18, 2018 - Feb 7, 2019
#5	-17.45% Jan 20, 2005 - May 27, 2005	-23.31% Aug 10, 2018 - Sep 10, 2018
#6	-16.65% Aug 24, 2018 - Apr 26, 2019	-22.49% Apr 17, 2018 - May 24, 2018
#7	-14.80% Nov 29, 2017 - Jun 1, 2018	-20.78% Apr 26, 2019 - May 20, 2019
#8	-14.21% Apr 9, 2026 - May 15, 2026	-16.65% Mar 4, 2019 - Apr 17, 2019
#9	-13.65% Dec 27, 2016 - Oct 10, 2017	-10.93% Feb 19, 2019 - Mar 4, 2019
#10	-11.33% Oct 16, 2017 - Nov 29, 2017	-10.87% Jun 14, 2019 - Jun 21, 2019
#11	-10.30% Feb 13, 2026 - Apr 9, 2026	-8.87% May 23, 2019 - Jun 7, 2019
#12	-8.80% Dec 31, 2003 - Dec 16, 2004	-8.75% Jul 9, 2018 - Jul 26, 2018
#13	-7.39% Nov 23, 2016 - Dec 19, 2016	-7.37% Aug 3, 2018 - Aug 9, 2018
#14	-7.31% Nov 1, 1999 - Dec 2, 1999	-6.68% Apr 17, 2019 - Apr 24, 2019
#15	-7.12% Nov 6, 2002 - Apr 2, 2003	-6.32% Jun 20, 2018 - Jul 5, 2018