PAYS vs FRBA

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

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

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

PAYS vs FRBA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

PAYS

$396M

FRBA

$395M

Max Drawdown

PAYS

98.95%

Winner

FRBA

79.09%

Sharpe Ratio

Winner

PAYS

0.92

FRBA

0.45

5Y Beta

PAYS

1.28

Winner

FRBA

0.69

Industry

PAYS

Software - Infrastructure

FRBA

Banks - Regional

P/E Ratio

PAYS

33.68

Winner

FRBA

9.65

Forward P/E

PAYS

28.33

Winner

FRBA

8.34

PEG Ratio

PAYS

0.16

Winner

FRBA

0.00

Dividend Yield

PAYS

N/A

FRBA

1.73%

5Y Dividends CAGR

PAYS

N/A

FRBA

24.57%

5Y EPS CAGR

PAYS

10.08%

FRBA

N/A

Debt to Equity

PAYS

11.16%

FRBA

N/A

Free Cash Flow Yield

PAYS

19.14%

FRBA

N/A

P/S Ratio

PAYS

4.35

Winner

FRBA

2.92

P/B Ratio

PAYS

7.23

Winner

FRBA

0.94

PAYS vs FRBA - Historical Returns

Returns include dividend reinvestment.

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

PAYS

+0.59%

Winner

FRBA

+7.45%

Winner

PAYS

+76.36%

FRBA

+0.78%

Winner

PAYS

+27.39%

FRBA

+2.93%

Winner

PAYS

+44.16%

FRBA

+12.23%

5Y(CAGR)

Winner

PAYS

+15.66%

FRBA

+5.02%

10Y(CAGR)

Winner

PAYS

+43.79%

FRBA

+10.34%

Max(CAGR)

Winner

PAYS

+12.95%

FRBA

+2.93%

PAYS vs FRBA - Annual Returns (2007 - 2026)

Returns include dividend reinvestment.

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

PAYS vs FRBA Drawdown Comparison

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

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

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

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