PSTVY vs. BMO

Last updated Jun 3, 2026

PSTVY (Postal Savings Bank of China Co Ltd ADR) and BMO (Bank of Montreal) are both stocks. Both are in the Financial Services sector — PSTVY in Banks - Regional, BMO in Banks - Diversified. Over the past 5 years, PSTVY returned 4.05%/yr vs 14.35%/yr for BMO. At a 0.06 correlation, their price movements are largely independent.

Performance

PSTVY vs. BMO - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Postal Savings Bank of China Co Ltd ADR (PSTVY) and Bank of Montreal (BMO). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, PSTVY achieves a -5.74% return, which is significantly lower than BMO's 29.59% return.

PSTVY

• 1D: 0.00%
• 1M: -6.16%
• YTD: -5.74%
• 6M: -9.60%
• 1Y: 2.54%
• 3Y*: 6.63%
• 5Y*: 4.05%
• 10Y*: —

BMO

• 1D: 1.70%
• 1M: 8.45%
• YTD: 29.59%
• 6M: 33.76%
• 1Y: 59.06%
• 3Y*: 29.84%
• 5Y*: 14.35%
• 10Y*: 15.06%

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

PSTVY vs. BMO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
PSTVY Postal Savings Bank of China Co Ltd ADR	-5.74%	16.84%	41.90%	-19.74%	-10.86%	32.82%	-0.00%
BMO Bank of Montreal	29.59%	39.59%	2.98%	15.24%	-12.41%	48.15%	40.01%

Correlation

The correlation between PSTVY and BMO is 0.13, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.13
Correlation (3Y) Calculated over the trailing 3-year period	0.08
Correlation (5Y) Calculated over the trailing 5-year period	0.07
Correlation (All Time) Calculated using the full available price history since Jul 23, 2020	0.06

Fundamentals

Market Cap PSTVY : $75.06B BMO : $85.73B
EPS PSTVY : $15.32 BMO : $14.56
PE Ratio PSTVY : 0.82 BMO : 11.36
PEG Ratio PSTVY : 0.00 BMO : 0.52
PS Ratio PSTVY : 0.14 BMO : 1.43
PB Ratio PSTVY : 0.07 BMO : 1.10
Total Revenue (TTM) PSTVY : $498.20B BMO : $77.05B
Gross Profit (TTM) PSTVY : $328.80B BMO : $34.51B
EBITDA (TTM) PSTVY : $71.74B BMO : $14.21B

Return for Risk

PSTVY vs. BMO — Risk / Return Rank

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

PSTVY

PSTVY Risk / Return Rank: 43
PSTVY Sharpe Ratio Rank: 42
PSTVY Sortino Ratio Rank: 41
PSTVY Omega Ratio Rank: 48
PSTVY Calmar Ratio Rank: 43
PSTVY Martin Ratio Rank: 43

BMO

BMO Risk / Return Rank: 94
BMO Sharpe Ratio Rank: 95
BMO Sortino Ratio Rank: 95
BMO Omega Ratio Rank: 94
BMO Calmar Ratio Rank: 91
BMO Martin Ratio Rank: 95

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.

PSTVY vs. BMO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Postal Savings Bank of China Co Ltd ADR (PSTVY) and Bank of Montreal (BMO). 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.

	PSTVY	BMO	Difference
Sharpe ratio Return per unit of total volatility	0.05	3.16	-3.11
Sortino ratio Return per unit of downside risk	0.47	4.11	-3.64
Omega ratio Gain probability vs. loss probability	1.10	1.54	-0.43
Calmar ratio Return relative to maximum drawdown	0.12	5.15	-5.03
Martin ratio Return relative to average drawdown	0.27	19.15	-18.87
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

PSTVY vs. BMO - Sharpe Ratio Comparison

The current PSTVY Sharpe Ratio is 0.05, which is lower than the BMO Sharpe Ratio of 3.16. The chart below compares the historical Sharpe Ratios of PSTVY and BMO, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	PSTVY	BMO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.05	3.16	-3.11
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.10	0.68	-0.58
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.64	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.14	0.58	-0.44

Drawdowns

PSTVY vs. BMO - Drawdown Comparison

The maximum PSTVY drawdown since its inception was -56.10%, smaller than the maximum BMO drawdown of -68.17%. Use the drawdown chart below to compare losses from any high point for PSTVY and BMO.

Drawdown Indicators

	PSTVY	BMO	Difference
Max Drawdown Largest peak-to-trough decline	-56.10%	-68.17%	+12.07%
Max Drawdown (1Y) Largest decline over 1 year	-21.47%	-11.62%	-9.85%
Max Drawdown (3Y) Largest decline over 3 years	-31.51%	-18.56%	-12.95%
Max Drawdown (5Y) Largest decline over 5 years	-44.23%	-33.94%	-10.29%
Max Drawdown (10Y) Largest decline over 10 years	—	-50.97%	—
Current Drawdown Current decline from peak	-26.07%	0.00%	-26.07%
Average Drawdown Average peak-to-trough decline	-31.98%	-11.43%	-20.55%
Ulcer Index Depth and duration of drawdowns from previous peaks	9.27%	3.12%	+6.15%

Volatility

PSTVY vs. BMO - Volatility Comparison

Postal Savings Bank of China Co Ltd ADR (PSTVY) has a higher volatility of 25.38% compared to Bank of Montreal (BMO) at 5.48%. This indicates that PSTVY's price experiences larger fluctuations and is considered to be riskier than BMO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PSTVY	BMO	Difference
Volatility (1M) Calculated over the trailing 1-month period	25.38%	5.48%	+19.90%
Volatility (6M) Calculated over the trailing 6-month period	41.37%	15.60%	+25.77%
Volatility (1Y) Calculated over the trailing 1-year period	54.95%	18.80%	+36.15%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	42.49%	21.31%	+21.18%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	49.37%	23.66%	+25.71%

Dividends

PSTVY vs. BMO - Dividend Comparison

PSTVY's dividend yield for the trailing twelve months is around 2.79%, less than BMO's 2.91% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
BMO Bank of Montreal	2.91%	3.55%	4.60%	4.76%	4.62%	3.95%	4.15%	3.96%	4.78%	4.45%	4.73%	5.74%
PSTVY Postal Savings Bank of China Co Ltd ADR	2.79%	2.30%	9.55%	8.07%	6.27%	4.43%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

PSTVY vs. BMO - Profitability Comparison

The chart below illustrates the profitability comparison between Postal Savings Bank of China Co Ltd ADR and Bank of Montreal over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

PSTVY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Postal Savings Bank of China Co Ltd ADR reported a gross profit of 82.02B and revenue of 144.59B. Therefore, the gross margin over that period was 56.7%.

BMO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bank of Montreal reported a gross profit of 8.78B and revenue of 19.26B. Therefore, the gross margin over that period was 45.6%.

PSTVY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Postal Savings Bank of China Co Ltd ADR reported an operating income of 27.47B and revenue of 144.59B, resulting in an operating margin of 19.0%.

BMO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bank of Montreal reported an operating income of 3.50B and revenue of 19.26B, resulting in an operating margin of 18.2%.

PSTVY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Postal Savings Bank of China Co Ltd ADR reported a net income of 25.57B and revenue of 144.59B, resulting in a net margin of 17.7%.

BMO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bank of Montreal reported a net income of 2.63B and revenue of 19.26B, resulting in a net margin of 13.6%.

Frequently Asked Questions

Can I hold both PSTVY and BMO in my portfolio?

PSTVY and BMO have a correlation of 0.13, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, PSTVY or BMO?

PSTVY has higher volatility (25.38%) compared to BMO (5.48%). In terms of maximum drawdown, PSTVY dropped -56.10% vs BMO's -68.17%.

Which has better risk-adjusted returns?

BMO currently has the higher Sharpe Ratio (3.16 vs 0.05), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.