PAYS vs OBT

Comparison between PaySign Inc (PAYS, Company) and Orange County Bancorp Inc (OBT, Company).

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

5-Year PerformancePAYS has outperformed OBT, delivering a return of +25.5% compared to +19.8%

PAYS vs OBT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PAYS(COMPANY)	OBT(COMPANY)
Market Cap	$499M	$499M
Max Drawdown	98.95%	60.57%
Sharpe Ratio	0.34	1.07
5Y Beta	1.22	0.99
Industry	Software - Infrastructure	Banks - Regional
P/E Ratio	42.45	11.26
Forward P/E	37.45	N/A
PEG Ratio	0.20	0.30
Dividend Yield	N/A	1.65%
5Y Dividends CAGR	N/A	14.87%
5Y EPS CAGR	10.08%	N/A
Debt to Equity	11.16%	0.00%
Free Cash Flow Yield	15.19%	9.36%
P/S Ratio	5.48	4.01
P/B Ratio	9.13	1.73

Market Cap

Winner

PAYS

$499M

OBT

$499M

Max Drawdown

PAYS

98.95%

Winner

OBT

60.57%

Sharpe Ratio

PAYS

0.34

Winner

OBT

1.07

5Y Beta

PAYS

1.22

Winner

OBT

0.99

Industry

PAYS

Software - Infrastructure

OBT

Banks - Regional

P/E Ratio

PAYS

42.45

Winner

OBT

11.26

Forward P/E

PAYS

37.45

OBT

N/A

PEG Ratio

Winner

PAYS

0.20

OBT

0.30

Dividend Yield

PAYS

N/A

OBT

1.65%

5Y Dividends CAGR

PAYS

N/A

OBT

14.87%

5Y EPS CAGR

PAYS

10.08%

OBT

N/A

Debt to Equity

PAYS

11.16%

Winner

OBT

0.00%

Free Cash Flow Yield

Winner

PAYS

15.19%

OBT

9.36%

P/S Ratio

PAYS

5.48

Winner

OBT

4.01

P/B Ratio

PAYS

9.13

Winner

OBT

1.73

PAYS vs OBT - Historical Returns

Returns include dividend reinvestment.

Period	PAYS	OBT
1 month	+12.77%	+2.03%
3 months	+37.77%	+5.04%
6 months	+86.44%	+26.40%
1 year	-0.94%	+38.20%
5 years(CAGR)	+25.46%	+19.76%
10 years(CAGR)	+47.26%	+15.15%
Max(CAGR)	+14.14%	+9.01%

Winner

PAYS

+12.77%

OBT

+2.03%

Winner

PAYS

+37.77%

OBT

+5.04%

Winner

PAYS

+86.44%

OBT

+26.40%

PAYS

-0.94%

Winner

OBT

+38.20%

5Y(CAGR)

Winner

PAYS

+25.46%

OBT

+19.76%

10Y(CAGR)

Winner

PAYS

+47.26%

OBT

+15.15%

Max(CAGR)

Winner

PAYS

+14.14%

OBT

+9.01%

PAYS vs OBT - Annual Returns (2007 - 2026)

Returns include dividend reinvestment.

Year	PAYS	OBT
2026	+69.15%	+32.63%
2025	+80.07%	+8.14%
2024	+13.11%	-3.65%
2023	+12.90%	+31.35%
2022	+37.97%	+16.71%
2021	-65.74%	+51.05%
2020	-52.99%	-4.09%
2019	+183.52%	+12.10%
2018	+375.68%	-1.24%
2017	+118.56%	+25.96%
2016	+45.22%	-0.16%
2015	-2.99%	+14.87%
2014	+48.19%	+15.42%
2013	-46.13%	+1.86%
2012	+197.00%	+9.60%
2011	-4.76%	+0.90%
2010	+425.00%	+3.50%
2009	-63.64%	-14.08%
2008	-92.14%	-11.54%
2007	+0.00%	+0.00%

PAYS vs OBT Drawdown Comparison

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

The maximum drawdown for OBT was -57.57%, occurring on Oct 15, 2020. Recovery took 1227 trading sessions.

The current PAYS drawdown is -53.26%. The current OBT drawdown is -3.22%.

Rank	PAYS	OBT
#1	-98.95% Mar 4, 2008 - Mar 7, 2018	-57.57% Mar 2, 2018 - Feb 6, 2023
#2	-93.09% Jul 18, 2019 - May 12, 2022	-50.00% Feb 26, 2018 - Mar 2, 2018
#3	-42.86% Oct 10, 2007 - Mar 4, 2008	-45.77% Feb 23, 2023 - Dec 13, 2023
#4	-35.35% Sep 18, 2018 - Feb 7, 2019	-32.49% Nov 11, 2024 - Feb 2, 2026
#5	-23.31% Aug 10, 2018 - Sep 10, 2018	-31.70% Dec 27, 2023 - Jul 25, 2024
#6	-22.49% Apr 17, 2018 - May 24, 2018	-28.40% Jan 18, 2008 - Nov 20, 2014
#7	-20.78% Apr 26, 2019 - May 20, 2019	-18.20% Jul 25, 2024 - Nov 11, 2024
#8	-16.65% Mar 4, 2019 - Apr 17, 2019	-13.73% Feb 9, 2026 - Apr 17, 2026
#9	-10.93% Feb 19, 2019 - Mar 4, 2019	-10.39% Dec 10, 2015 - Sep 8, 2017
#10	-10.87% Jun 14, 2019 - Jun 21, 2019	-9.79% Apr 28, 2026 - Jun 12, 2026
#11	-8.87% May 23, 2019 - Jun 7, 2019	-6.22% Sep 2, 2015 - Dec 10, 2015
#12	-8.75% Jul 9, 2018 - Jul 26, 2018	-5.37% Sep 28, 2017 - Nov 21, 2017
#13	-7.37% Aug 3, 2018 - Aug 9, 2018	-4.52% Nov 26, 2014 - Mar 11, 2015
#14	-6.68% Apr 17, 2019 - Apr 24, 2019	-3.93% Jul 6, 2026 - Jul 16, 2026
#15	-6.32% Jun 20, 2018 - Jul 5, 2018	-3.76% Jun 12, 2026 - Jun 18, 2026