PLBC vs PAYS

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

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

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

PLBC vs PAYS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PLBC(COMPANY)	PAYS(COMPANY)
Market Cap	$389M	$387M
Max Drawdown	93.48%	98.95%
Sharpe Ratio	1.10	0.81
5Y Beta	0.60	1.26
Industry	Banks - Regional	Software - Infrastructure
P/E Ratio	11.65	32.93
Forward P/E	16.81	29.07
PEG Ratio	1.49	0.15
Dividend Yield	2.21%	N/A
5Y Dividends CAGR	24.57%	N/A
5Y EPS CAGR	9.71%	10.08%
Debt to Equity	0.00%	11.16%
Free Cash Flow Yield	5.72%	19.58%
P/S Ratio	3.94	4.09
P/B Ratio	1.46	7.06

Market Cap

Winner

PLBC

$389M

PAYS

$387M

Max Drawdown

Winner

PLBC

93.48%

PAYS

98.95%

Sharpe Ratio

Winner

PLBC

1.10

PAYS

0.81

5Y Beta

Winner

PLBC

0.60

PAYS

1.26

Industry

PLBC

Banks - Regional

PAYS

Software - Infrastructure

P/E Ratio

Winner

PLBC

11.65

PAYS

32.93

Forward P/E

Winner

PLBC

16.81

PAYS

29.07

PEG Ratio

PLBC

1.49

Winner

PAYS

0.15

Dividend Yield

PLBC

2.21%

PAYS

N/A

5Y Dividends CAGR

PLBC

24.57%

PAYS

N/A

5Y EPS CAGR

PLBC

9.71%

Winner

PAYS

10.08%

Debt to Equity

Winner

PLBC

0.00%

PAYS

11.16%

Free Cash Flow Yield

PLBC

5.72%

Winner

PAYS

19.58%

P/S Ratio

Winner

PLBC

3.94

PAYS

4.09

P/B Ratio

Winner

PLBC

1.46

PAYS

7.06

PLBC vs PAYS - Historical Returns

Returns include dividend reinvestment.

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

Winner

PLBC

+9.90%

PAYS

+5.11%

PLBC

+17.62%

Winner

PAYS

+97.46%

PLBC

+25.95%

Winner

PAYS

+27.32%

PLBC

+31.80%

Winner

PAYS

+38.42%

5Y(CAGR)

Winner

PLBC

+15.61%

PAYS

+14.12%

10Y(CAGR)

PLBC

+22.21%

Winner

PAYS

+43.06%

Max(CAGR)

PLBC

+7.05%

Winner

PAYS

+13.12%

PLBC vs PAYS - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

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

PLBC vs PAYS Drawdown Comparison

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

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

The current PAYS drawdown is -61.06%.

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