PAYS vs BMRC

Comparison between PaySign Inc (PAYS, Company) and Bank of Marin Bancorp (BMRC, Company).

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

5-Year PerformancePAYS has outperformed BMRC, delivering a return of +19.1% compared to +0.7%

PAYS vs BMRC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PAYS(COMPANY)	BMRC(COMPANY)
Market Cap	$429M	$430M
Max Drawdown	98.95%	70.38%
Sharpe Ratio	0.67	0.83
5Y Beta	1.23	0.79
Industry	Software - Infrastructure	Banks - Regional
P/E Ratio	36.43	-13.32
Forward P/E	30.58	11.78
PEG Ratio	0.17	-0.03
Dividend Yield	N/A	3.87%
5Y Dividends CAGR	N/A	6.32%
5Y EPS CAGR	10.08%	N/A
Debt to Equity	11.16%	0.00%
Free Cash Flow Yield	17.70%	7.81%

Market Cap

PAYS

$429M

Winner

BMRC

$430M

Max Drawdown

PAYS

98.95%

Winner

BMRC

70.38%

Sharpe Ratio

PAYS

0.67

Winner

BMRC

0.83

5Y Beta

PAYS

1.23

Winner

BMRC

0.79

Industry

PAYS

Software - Infrastructure

BMRC

Banks - Regional

P/E Ratio

PAYS

36.43

Winner

BMRC

-13.32

Forward P/E

PAYS

30.58

Winner

BMRC

11.78

PEG Ratio

PAYS

0.17

Winner

BMRC

-0.03

Dividend Yield

PAYS

N/A

BMRC

3.87%

5Y Dividends CAGR

PAYS

N/A

BMRC

6.32%

5Y EPS CAGR

PAYS

10.08%

BMRC

N/A

Debt to Equity

PAYS

11.16%

Winner

BMRC

0.00%

Free Cash Flow Yield

Winner

PAYS

17.70%

BMRC

7.81%

PAYS vs BMRC - Historical Returns

Returns include dividend reinvestment.

Period	PAYS	BMRC
1 month	+11.56%	+0.27%
3 months	+49.90%	+4.66%
6 months	+44.03%	+0.75%
1 year	+20.62%	+23.27%
5 years(CAGR)	+19.11%	+0.68%
10 years(CAGR)	+44.84%	+3.86%
Max(CAGR)	+13.69%	+6.82%

Winner

PAYS

+11.56%

BMRC

+0.27%

Winner

PAYS

+49.90%

BMRC

+4.66%

Winner

PAYS

+44.03%

BMRC

+0.75%

PAYS

+20.62%

Winner

BMRC

+23.27%

5Y(CAGR)

Winner

PAYS

+19.11%

BMRC

+0.68%

10Y(CAGR)

Winner

PAYS

+44.84%

BMRC

+3.86%

Max(CAGR)

Winner

PAYS

+13.69%

BMRC

+6.82%

PAYS vs BMRC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PAYS	BMRC
2026	+55.65%	+3.99%
2025	+80.07%	+15.45%
2024	+13.11%	+14.52%
2023	+12.90%	-28.75%
2022	+37.97%	-9.40%
2021	-65.74%	+9.60%
2020	-52.99%	-21.35%
2019	+183.52%	+11.02%
2018	+375.68%	+23.61%
2017	+118.56%	-0.06%
2016	+45.22%	+32.99%
2015	-2.99%	+6.68%
2014	+48.19%	+23.83%
2013	-46.13%	+14.81%
2012	+197.00%	-1.24%
2011	-4.76%	+7.28%
2010	+425.00%	+8.16%
2009	-63.64%	+41.24%
2008	-92.14%	-14.58%
2007	+0.00%	-17.58%
2006	N/A	+7.20%
2005	N/A	-12.36%
2004	N/A	+38.84%
2003	N/A	+45.20%
2002	N/A	+25.97%
2001	N/A	+5.75%
2000	N/A	-11.52%
1999	N/A	+8.69%

PAYS vs BMRC Drawdown Comparison

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

The maximum drawdown for BMRC was -67.02%, occurring on May 4, 2023. This drawdown has not yet recovered.

The current PAYS drawdown is -56.99%. The current BMRC drawdown is -27.71%.

Rank	PAYS	BMRC
#1	-98.95% Mar 4, 2008 - Mar 7, 2018	-67.02% Dec 20, 2019 - May 4, 2023
#2	-93.09% Jul 18, 2019 - May 12, 2022	-54.30% Feb 22, 2007 - Mar 7, 2011
#3	-42.86% Oct 10, 2007 - Mar 4, 2008	-21.87% Dec 28, 2004 - Feb 20, 2007
#4	-35.35% Sep 18, 2018 - Feb 7, 2019	-20.73% Oct 5, 2012 - Jul 10, 2013
#5	-23.31% Aug 10, 2018 - Sep 10, 2018	-20.00% Dec 30, 1999 - Jan 22, 2002
#6	-22.49% Apr 17, 2018 - May 24, 2018	-19.49% Dec 15, 2016 - Dec 4, 2017
#7	-20.78% Apr 26, 2019 - May 20, 2019	-19.01% Aug 9, 2011 - Feb 3, 2012
#8	-16.65% Mar 4, 2019 - Apr 17, 2019	-15.72% Nov 27, 2015 - Nov 9, 2016
#9	-10.93% Feb 19, 2019 - Mar 4, 2019	-15.56% Jan 26, 2004 - Apr 26, 2004
#10	-10.87% Jun 14, 2019 - Jun 21, 2019	-14.83% Jul 26, 2018 - Feb 15, 2019
#11	-8.87% May 23, 2019 - Jun 7, 2019	-14.67% Apr 22, 2002 - Oct 15, 2002
#12	-8.75% Jul 9, 2018 - Jul 26, 2018	-14.16% Jul 19, 2013 - Nov 29, 2013
#13	-7.37% Aug 3, 2018 - Aug 9, 2018	-13.48% Feb 3, 2012 - Mar 26, 2012
#14	-6.68% Apr 17, 2019 - Apr 24, 2019	-12.39% Feb 22, 2019 - Oct 23, 2019
#15	-6.32% Jun 20, 2018 - Jul 5, 2018	-12.32% Apr 6, 2011 - Aug 9, 2011