USCB vs PAYS

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

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

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

USCB vs PAYS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

USCB

$389M

PAYS

$387M

Max Drawdown

Winner

USCB

44.24%

PAYS

98.95%

Sharpe Ratio

USCB

0.59

Winner

PAYS

0.71

5Y Beta

Winner

USCB

0.83

PAYS

1.25

Industry

USCB

Banks - Regional

PAYS

Software - Infrastructure

P/E Ratio

Winner

USCB

13.34

PAYS

32.93

Forward P/E

Winner

USCB

11.45

PAYS

28.99

PEG Ratio

USCB

N/A

PAYS

0.15

Dividend Yield

USCB

2.20%

PAYS

N/A

5Y EPS CAGR

USCB

N/A

PAYS

10.08%

Debt to Equity

Winner

USCB

0.00%

PAYS

11.16%

Free Cash Flow Yield

USCB

11.04%

Winner

PAYS

19.58%

P/S Ratio

Winner

USCB

3.86

PAYS

4.09

P/B Ratio

Winner

USCB

1.58

PAYS

7.06

USCB vs PAYS - Historical Returns

Returns include dividend reinvestment.

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

Winner

USCB

+7.40%

PAYS

+5.11%

USCB

+8.64%

Winner

PAYS

+97.46%

USCB

+2.38%

Winner

PAYS

+27.32%

USCB

+20.80%

Winner

PAYS

+38.42%

5Y(CAGR)

USCB

+14.04%

Winner

PAYS

+14.12%

10Y(CAGR)

USCB

N/A

PAYS

+43.06%

Max(CAGR)

Winner

USCB

+14.04%

PAYS

+13.12%

USCB vs PAYS - Annual Returns (2007 - 2026)

Returns include dividend reinvestment.

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

USCB vs PAYS Drawdown Comparison

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

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

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

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