FRBA vs PAYS

Comparison between First Bank (NJ) (FRBA, Company) and PaySign Inc (PAYS, Company).

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

5-Year PerformancePAYS has outperformed FRBA, delivering a return of +15.7% compared to +5.0%

FRBA vs PAYS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	FRBA(COMPANY)	PAYS(COMPANY)
Market Cap	$395M	$396M
Max Drawdown	79.09%	98.95%
Sharpe Ratio	0.45	0.92
5Y Beta	0.69	1.28
Industry	Banks - Regional	Software - Infrastructure
P/E Ratio	9.65	33.68
Forward P/E	8.34	28.33
PEG Ratio	0.00	0.16
Dividend Yield	1.73%	N/A
5Y Dividends CAGR	24.57%	N/A
5Y EPS CAGR	N/A	10.08%
Debt to Equity	N/A	11.16%
Free Cash Flow Yield	N/A	19.14%
P/S Ratio	2.92	4.35
P/B Ratio	0.94	7.23

Market Cap

FRBA

$395M

Winner

PAYS

$396M

Max Drawdown

Winner

FRBA

79.09%

PAYS

98.95%

Sharpe Ratio

FRBA

0.45

Winner

PAYS

0.92

5Y Beta

Winner

FRBA

0.69

PAYS

1.28

Industry

FRBA

Banks - Regional

PAYS

Software - Infrastructure

P/E Ratio

Winner

FRBA

9.65

PAYS

33.68

Forward P/E

Winner

FRBA

8.34

PAYS

28.33

PEG Ratio

Winner

FRBA

0.00

PAYS

0.16

Dividend Yield

FRBA

1.73%

PAYS

N/A

5Y Dividends CAGR

FRBA

24.57%

PAYS

N/A

5Y EPS CAGR

FRBA

N/A

PAYS

10.08%

Debt to Equity

FRBA

N/A

PAYS

11.16%

Free Cash Flow Yield

FRBA

N/A

PAYS

19.14%

P/S Ratio

Winner

FRBA

2.92

PAYS

4.35

P/B Ratio

Winner

FRBA

0.94

PAYS

7.23

FRBA vs PAYS - Historical Returns

Returns include dividend reinvestment.

Period	FRBA	PAYS
1 month	+7.45%	+0.59%
3 months	+0.78%	+76.36%
6 months	+2.93%	+27.39%
1 year	+12.23%	+44.16%
5 years(CAGR)	+5.02%	+15.66%
10 years(CAGR)	+10.34%	+43.79%
Max(CAGR)	+2.93%	+12.95%

Winner

FRBA

+7.45%

PAYS

+0.59%

FRBA

+0.78%

Winner

PAYS

+76.36%

FRBA

+2.93%

Winner

PAYS

+27.39%

FRBA

+12.23%

Winner

PAYS

+44.16%

5Y(CAGR)

FRBA

+5.02%

Winner

PAYS

+15.66%

10Y(CAGR)

FRBA

+10.34%

Winner

PAYS

+43.79%

Max(CAGR)

FRBA

+2.93%

Winner

PAYS

+12.95%

FRBA vs PAYS - Annual Returns (2007 - 2026)

Returns include dividend reinvestment.

Year	FRBA	PAYS
2026	-0.00%	+36.90%
2025	+22.14%	+80.07%
2024	-2.41%	+13.11%
2023	+10.52%	+12.90%
2022	-4.47%	+37.97%
2021	+54.31%	-65.74%
2020	-13.29%	-52.99%
2019	-6.91%	+183.52%
2018	-10.74%	+375.68%
2017	+19.12%	+118.56%
2016	+74.17%	+45.22%
2015	+10.17%	-2.99%
2014	+4.00%	+48.19%
2013	+16.26%	-46.13%
2012	+14.74%	+197.00%
2011	+58.86%	-4.76%
2010	-16.67%	+425.00%
2009	-34.00%	-63.64%
2008	+10.00%	-92.14%
2007	-50.00%	+0.00%

FRBA vs PAYS Drawdown Comparison

The maximum drawdown for FRBA was -79.09%, occurring on Jan 5, 2010. Recovery took 2414 trading sessions.

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

The current FRBA drawdown is -10.52%. The current PAYS drawdown is -62.17%.

Rank	FRBA	PAYS
#1	-79.09% May 10, 2007 - Dec 8, 2016	-98.95% Mar 4, 2008 - Mar 7, 2018
#2	-58.58% Jul 23, 2018 - Oct 5, 2021	-93.09% Jul 18, 2019 - May 12, 2022
#3	-47.94% Aug 16, 2022 - Jul 1, 2025	-42.86% Oct 10, 2007 - Mar 4, 2008
#4	-21.95% Feb 17, 2017 - Nov 30, 2017	-35.35% Sep 18, 2018 - Feb 7, 2019
#5	-18.84% Dec 18, 2025 - May 4, 2026	-23.31% Aug 10, 2018 - Sep 10, 2018
#6	-11.90% Mar 28, 2007 - May 10, 2007	-22.49% Apr 17, 2018 - May 24, 2018
#7	-11.83% Dec 5, 2017 - Jul 12, 2018	-20.78% Apr 26, 2019 - May 20, 2019
#8	-11.82% Nov 24, 2021 - Aug 10, 2022	-16.65% Mar 4, 2019 - Apr 17, 2019
#9	-11.48% Sep 4, 2025 - Dec 11, 2025	-10.93% Feb 19, 2019 - Mar 4, 2019
#10	-10.46% Jul 3, 2025 - Aug 22, 2025	-10.87% Jun 14, 2019 - Jun 21, 2019
#11	-6.51% Dec 9, 2016 - Dec 23, 2016	-8.87% May 23, 2019 - Jun 7, 2019
#12	-5.83% Oct 11, 2021 - Nov 10, 2021	-8.75% Jul 9, 2018 - Jul 26, 2018
#13	-4.17% Dec 27, 2016 - Jan 9, 2017	-7.37% Aug 3, 2018 - Aug 9, 2018
#14	-3.39% Jul 12, 2018 - Jul 23, 2018	-6.68% Apr 17, 2019 - Apr 24, 2019
#15	-1.59% Jan 11, 2017 - Feb 3, 2017	-6.32% Jun 20, 2018 - Jul 5, 2018