BMTX vs. VTI

Last updated Apr 2, 2026

Compare and contrast key facts about BM Technologies, Inc. (BMTX) and Vanguard Total Stock Market ETF (VTI).

VTI is a passively managed fund by Vanguard that tracks the performance of the CRSP US Total Market Index. It was launched on Jun 27, 2016.

Performance

BMTX vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in BM Technologies, Inc. (BMTX) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

BMTX vs. VTI - Yearly Performance Comparison

	2026 (YTD)
BMTX BM Technologies, Inc.	0.00%
VTI Vanguard Total Stock Market ETF	-4.90%

Returns By Period

BMTX

• 1D: 0.00%
• 1M: 0.00%
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

VTI

• 1D: 0.76%
• 1M: -4.38%
• YTD: -3.29%
• 6M: -1.26%
• 1Y: 18.60%
• 3Y*: 18.14%
• 5Y*: 10.63%
• 10Y*: 13.69%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

BMTX vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

VTI

VTI Risk / Return Rank: 59
VTI Sharpe Ratio Rank: 53
VTI Sortino Ratio Rank: 57
VTI Omega Ratio Rank: 60
VTI Calmar Ratio Rank: 58
VTI Martin Ratio Rank: 69

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

BMTX vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for BM Technologies, Inc. (BMTX) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	BMTX	VTI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	0.98	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.61	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.75	—
Sharpe Ratio (All Time) Calculated using the full available price history	—	0.48	—

Dividends

BMTX vs. VTI - Dividend Comparison

BMTX has not paid dividends to shareholders, while VTI's dividend yield for the trailing twelve months is around 1.17%.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
BMTX BM Technologies, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VTI Vanguard Total Stock Market ETF	1.17%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Drawdowns

BMTX vs. VTI - Drawdown Comparison

The maximum BMTX drawdown since its inception was 0.00%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for BMTX and VTI.

Drawdown Indicators

	BMTX	VTI	Difference
Max Drawdown Largest peak-to-trough decline	0.00%	-55.45%	+55.45%
Max Drawdown (1Y) Largest decline over 1 year	—	-12.30%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-25.36%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-35.00%	—
Current Drawdown Current decline from peak	0.00%	-5.54%	+5.54%
Average Drawdown Average peak-to-trough decline	0.00%	-8.08%	+8.08%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	2.60%	—

Volatility

Volatility by Period

	BMTX	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	5.48%	—
Volatility (6M) Calculated over the trailing 6-month period	—	9.75%	—
Volatility (1Y) Calculated over the trailing 1-year period	0.00%	19.02%	-19.02%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	0.00%	17.41%	-17.41%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	0.00%	18.29%	-18.29%