PAYS vs PLBC

Comparison between PaySign Inc (PAYS, Company) and Plumas Bancorp. (PLBC, Company).

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

5-Year PerformancePLBC has outperformed PAYS, delivering a return of +15.6% compared to +14.1%

PAYS vs PLBC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PAYS(COMPANY)	PLBC(COMPANY)
Market Cap	$387M	$389M
Max Drawdown	98.95%	93.48%
Sharpe Ratio	0.71	1.09
5Y Beta	1.25	0.60
Industry	Software - Infrastructure	Banks - Regional
P/E Ratio	32.93	11.65
Forward P/E	28.99	16.81
PEG Ratio	0.15	1.49
Dividend Yield	N/A	2.21%
5Y Dividends CAGR	N/A	24.57%
5Y EPS CAGR	10.08%	9.71%
Debt to Equity	11.16%	0.00%
Free Cash Flow Yield	19.58%	5.72%
P/S Ratio	4.09	3.94
P/B Ratio	7.06	1.46

Market Cap

PAYS

$387M

Winner

PLBC

$389M

Max Drawdown

PAYS

98.95%

Winner

PLBC

93.48%

Sharpe Ratio

PAYS

0.71

Winner

PLBC

1.09

5Y Beta

PAYS

1.25

Winner

PLBC

0.60

Industry

PAYS

Software - Infrastructure

PLBC

Banks - Regional

P/E Ratio

PAYS

32.93

Winner

PLBC

11.65

Forward P/E

PAYS

28.99

Winner

PLBC

16.81

PEG Ratio

Winner

PAYS

0.15

PLBC

1.49

Dividend Yield

PAYS

N/A

PLBC

2.21%

5Y Dividends CAGR

PAYS

N/A

PLBC

24.57%

5Y EPS CAGR

Winner

PAYS

10.08%

PLBC

9.71%

Debt to Equity

PAYS

11.16%

Winner

PLBC

0.00%

Free Cash Flow Yield

Winner

PAYS

19.58%

PLBC

5.72%

P/S Ratio

PAYS

4.09

Winner

PLBC

3.94

P/B Ratio

PAYS

7.06

Winner

PLBC

1.46

PAYS vs PLBC - Historical Returns

Returns include dividend reinvestment.

Period	PAYS	PLBC
1 month	+5.11%	+9.90%
3 months	+97.46%	+17.62%
6 months	+27.32%	+25.95%
1 year	+38.42%	+31.80%
5 years(CAGR)	+14.12%	+15.61%
10 years(CAGR)	+43.06%	+22.21%
Max(CAGR)	+13.12%	+7.05%

PAYS

+5.11%

Winner

PLBC

+9.90%

Winner

PAYS

+97.46%

PLBC

+17.62%

Winner

PAYS

+27.32%

PLBC

+25.95%

Winner

PAYS

+38.42%

PLBC

+31.80%

5Y(CAGR)

PAYS

+14.12%

Winner

PLBC

+15.61%

10Y(CAGR)

Winner

PAYS

+43.06%

PLBC

+22.21%

Max(CAGR)

Winner

PAYS

+13.12%

PLBC

+7.05%

PAYS vs PLBC - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

Year	PAYS	PLBC
2026	+40.93%	+30.45%
2025	+80.07%	-0.12%
2024	+13.11%	+17.71%
2023	+12.90%	+16.68%
2022	+37.97%	+9.44%
2021	-65.74%	+48.84%
2020	-52.99%	-8.19%
2019	+183.52%	+18.41%
2018	+375.68%	-0.57%
2017	+118.56%	+39.19%
2016	+45.22%	+121.37%
2015	-2.99%	+6.11%
2014	+48.19%	+28.79%
2013	-46.13%	+85.67%
2012	+197.00%	+63.82%
2011	-4.76%	+1.71%
2010	+425.00%	-19.31%
2009	-63.64%	-58.96%
2008	-92.14%	-44.30%
2007	+0.00%	-5.56%
2006	N/A	-29.51%
2005	N/A	+48.19%
2004	N/A	+9.08%
2003	N/A	+29.03%
2002	N/A	-31.63%

PAYS vs PLBC Drawdown Comparison

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

The maximum drawdown for PLBC was -93.07%, occurring on Aug 5, 2011. Recovery took 3100 trading sessions.

The current PAYS drawdown is -61.06%.

Rank	PAYS	PLBC
#1	-98.95% Mar 4, 2008 - Mar 7, 2018	-93.07% Oct 3, 2005 - Jan 26, 2018
#2	-93.09% Jul 18, 2019 - May 12, 2022	-47.45% May 4, 2018 - Mar 4, 2021
#3	-42.86% Oct 10, 2007 - Mar 4, 2008	-39.87% Jul 1, 2002 - May 2, 2005
#4	-35.35% Sep 18, 2018 - Feb 7, 2019	-33.41% Feb 16, 2022 - Jan 27, 2023
#5	-23.31% Aug 10, 2018 - Sep 10, 2018	-27.12% Feb 10, 2023 - Dec 22, 2023
#6	-22.49% Apr 17, 2018 - May 24, 2018	-26.64% Dec 22, 2023 - Nov 6, 2024
#7	-20.78% Apr 26, 2019 - May 20, 2019	-20.94% May 5, 2005 - Aug 29, 2005
#8	-16.65% Mar 4, 2019 - Apr 17, 2019	-19.85% Nov 29, 2024 - Jan 21, 2026
#9	-10.93% Feb 19, 2019 - Mar 4, 2019	-15.07% Oct 20, 2021 - Feb 1, 2022
#10	-10.87% Jun 14, 2019 - Jun 21, 2019	-13.96% Mar 19, 2021 - Jun 2, 2021
#11	-8.87% May 23, 2019 - Jun 7, 2019	-11.07% Feb 6, 2026 - May 21, 2026
#12	-8.75% Jul 9, 2018 - Jul 26, 2018	-10.33% Sep 20, 2005 - Sep 30, 2005
#13	-7.37% Aug 3, 2018 - Aug 9, 2018	-9.23% Jan 29, 2018 - Apr 19, 2018
#14	-6.68% Apr 17, 2019 - Apr 24, 2019	-8.90% Jun 10, 2021 - Jun 25, 2021
#15	-6.32% Jun 20, 2018 - Jul 5, 2018	-6.31% Jul 23, 2021 - Oct 7, 2021