PAYS vs USCB

Comparison between PaySign Inc (PAYS, Company) and USCB Financial Holdings Inc - Class A (USCB, Company).

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

5-Year PerformancePAYS has outperformed USCB, delivering a return of +14.1% compared to +14.0%

PAYS vs USCB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PAYS(COMPANY)	USCB(COMPANY)
Market Cap	$387M	$389M
Max Drawdown	98.95%	44.24%
Sharpe Ratio	0.71	0.59
5Y Beta	1.25	0.83
Industry	Software - Infrastructure	Banks - Regional
P/E Ratio	32.93	13.34
Forward P/E	28.99	11.45
PEG Ratio	0.15	N/A
Dividend Yield	N/A	2.20%
5Y EPS CAGR	10.08%	N/A
Debt to Equity	11.16%	0.00%
Free Cash Flow Yield	19.58%	11.04%
P/S Ratio	4.09	3.86
P/B Ratio	7.06	1.58

Market Cap

PAYS

$387M

Winner

USCB

$389M

Max Drawdown

PAYS

98.95%

Winner

USCB

44.24%

Sharpe Ratio

Winner

PAYS

0.71

USCB

0.59

5Y Beta

PAYS

1.25

Winner

USCB

0.83

Industry

PAYS

Software - Infrastructure

USCB

Banks - Regional

P/E Ratio

PAYS

32.93

Winner

USCB

13.34

Forward P/E

PAYS

28.99

Winner

USCB

11.45

PEG Ratio

PAYS

0.15

USCB

N/A

Dividend Yield

PAYS

N/A

USCB

2.20%

5Y EPS CAGR

PAYS

10.08%

USCB

N/A

Debt to Equity

PAYS

11.16%

Winner

USCB

0.00%

Free Cash Flow Yield

Winner

PAYS

19.58%

USCB

11.04%

P/S Ratio

PAYS

4.09

Winner

USCB

3.86

P/B Ratio

PAYS

7.06

Winner

USCB

1.58

PAYS vs USCB - Historical Returns

Returns include dividend reinvestment.

Period	PAYS	USCB
1 month	+5.11%	+7.40%
3 months	+97.46%	+8.64%
6 months	+27.32%	+2.38%
1 year	+38.42%	+20.80%
5 years(CAGR)	+14.12%	+14.04%
10 years(CAGR)	+43.06%	N/A
Max(CAGR)	+13.12%	+14.04%

PAYS

+5.11%

Winner

USCB

+7.40%

Winner

PAYS

+97.46%

USCB

+8.64%

Winner

PAYS

+27.32%

USCB

+2.38%

Winner

PAYS

+38.42%

USCB

+20.80%

5Y(CAGR)

Winner

PAYS

+14.12%

USCB

+14.04%

10Y(CAGR)

PAYS

+43.06%

USCB

N/A

Max(CAGR)

PAYS

+13.12%

Winner

USCB

+14.04%

PAYS vs USCB - Annual Returns (2007 - 2026)

Returns include dividend reinvestment.

Year	PAYS	USCB
2026	+40.93%	+8.82%
2025	+80.07%	+7.67%
2024	+13.11%	+47.39%
2023	+12.90%	+0.00%
2022	+37.97%	-15.22%
2021	-65.74%	+29.44%
2020	-52.99%	N/A
2019	+183.52%	N/A
2018	+375.68%	N/A
2017	+118.56%	N/A
2016	+45.22%	N/A
2015	-2.99%	N/A
2014	+48.19%	N/A
2013	-46.13%	N/A
2012	+197.00%	N/A
2011	-4.76%	N/A
2010	+425.00%	N/A
2009	-63.64%	N/A
2008	-92.14%	N/A
2007	+0.00%	N/A

PAYS vs USCB Drawdown Comparison

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

The maximum drawdown for USCB was -44.24%, occurring on May 2, 2023. Recovery took 660 trading sessions.

The current PAYS drawdown is -61.06%. The current USCB drawdown is -4.30%.

Rank	PAYS	USCB
#1	-98.95% Mar 4, 2008 - Mar 7, 2018	-44.24% Dec 7, 2021 - Jul 25, 2024
#2	-93.09% Jul 18, 2019 - May 12, 2022	-23.21% Nov 25, 2024 - Jan 21, 2026
#3	-42.86% Oct 10, 2007 - Mar 4, 2008	-17.25% Aug 26, 2021 - Nov 10, 2021
#4	-35.35% Sep 18, 2018 - Feb 7, 2019	-16.34% Jul 31, 2024 - Nov 6, 2024
#5	-23.31% Aug 10, 2018 - Sep 10, 2018	-13.61% Jan 22, 2026 - Mar 18, 2026
#6	-22.49% Apr 17, 2018 - May 24, 2018	-6.93% Nov 11, 2021 - Nov 18, 2021
#7	-20.78% Apr 26, 2019 - May 20, 2019	-5.84% Nov 13, 2024 - Nov 22, 2024
#8	-16.65% Mar 4, 2019 - Apr 17, 2019	-4.21% Nov 18, 2021 - Dec 6, 2021
#9	-10.93% Feb 19, 2019 - Mar 4, 2019	-3.62% Aug 12, 2021 - Aug 18, 2021
#10	-10.87% Jun 14, 2019 - Jun 21, 2019	-3.23% Aug 18, 2021 - Aug 23, 2021
#11	-8.87% May 23, 2019 - Jun 7, 2019	-2.38% Nov 6, 2024 - Nov 8, 2024
#12	-8.75% Jul 9, 2018 - Jul 26, 2018	-2.31% Jul 23, 2021 - Aug 2, 2021
#13	-7.37% Aug 3, 2018 - Aug 9, 2018	-2.28% Jul 25, 2024 - Jul 29, 2024
#14	-6.68% Apr 17, 2019 - Apr 24, 2019	-0.86% Aug 4, 2021 - Aug 12, 2021
#15	-6.32% Jun 20, 2018 - Jul 5, 2018	-0.46% Aug 2, 2021 - Aug 4, 2021