BMO Stock Analysis: Bank of Montreal | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 115.177m USD | 12M Return: 32.8% | CA0636711016 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 98.8M
EPS Trend: 55.6%
Qual. Beats: 0
Rev. Trend: 61.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Bank of Montreal (BMO) is a Canadian diversified financial services company operating primarily in North America through four segments: Canadian Personal and Commercial Banking, U.S. Banking, Wealth Management, and Capital Markets. Its offerings span retail banking (checking, savings, deposits, cards, mortgages, and loans), commercial banking (financing, treasury, payment, and risk management solutions), wealth and investment management (advisory, digital investing, and institutional asset management), insurance (life, critical illness, annuities, segregated funds, and creditor/travel insurance), and capital markets services (capital-raising, loan syndication, M&A advisory, restructurings, trade finance, and sales/trading across debt, FX, rates, credit, equities, securitization, and commodities). Founded in 1817 and headquartered in Montreal, BMO is classified within the Diversified Banks sub-industry of the Financials sector, reflecting its multi-line banking model that combines consumer, commercial, wealth, and capital markets activities under one institution.
- Net interest margin expansion supports Canadian P&C earnings growth
- Bank of the West integration drives U.S. segment loan growth
- Wealth Management AUM growth lifts fee-based revenue
| Net Income: 9.15b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.53 > 1.0 |
| NWC/Revenue: -73.12% < 20% (prev -1.10k%; Δ 1.03k% < -1%) |
| CFO/TA 0.03 > 3% & CFO 50.4b > Net Income 9.15b |
| Net Debt (-87.3b) to EBITDA (14.6b): -5.99 < 3 |
| Current Ratio: 0.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (500.2m) vs 12m ago -30.60% < -2% |
| Gross Margin: 45.52% > 18% (prev 39.15%; Δ 6.37% > 0.5%) |
| Asset Turnover: 5.26% > 50% (prev 5.49%; Δ -0.23% > 0%) |
| Interest Coverage Ratio: 0.31 > 6 (EBIT TTM 12.3b / Interest Expense TTM 39.5b) |
| A: -0.04 (Total Current Assets 74.1b - Total Current Liabilities 131b) / Total Assets 1539b |
| B: 0.03 (Retained Earnings 47.8b / Total Assets 1539b) |
| C: 0.01 (EBIT TTM 12.3b / Avg Total Assets 1486b) |
| D: 0.06 (Book Value of Equity 86.6b / Total Liabilities 1453b) |
| Altman-Z'' = -0.02 = B |
| DSRI: 1.03 (Receivables 45.9b/44.7b, Revenue 78.2b/78.6b) |
| GMI: 0.86 (GM 39.15% / 45.52%) |
| AQI: 1.12 (AQ_t 0.95 / AQ_t-1 0.85) |
| SGI: 0.99 (Revenue 78.2b / 78.6b) |
| TATA: -0.03 (NI 9.15b - CFO 50.4b) / TA 1539b) |
| Beneish M = -3.06 (Cap -4..+1) = AA |
As of October 07, 2026, the stock is trading at USD 166.09 with a total of 338,393 shares traded. Over the past week, the price has changed by -2.08%, over one month by -5.12%, over three months by -5.01% and over the past year by +32.81%.
Current recommended Stop Loss: 162.00 (which is 2.5% or 1.4 ATR below the current price).
Bank of Montreal has received a consensus analysts rating of 3.27. Therefore, it is recommended to hold BMO.
- StrongBuy: 2
- Buy: 3
- Hold: 7
- Sell: 3
- StrongSell: 0
| Analysts Target Price | 165.6 | -0.3% |
Market Cap CAD = 164b (115b USD * 1.4264 USD.CAD)
P/E Trailing = 19.2227
P/E Forward = 14.4718
P/S = 3.2293
P/B = 1.9558
P/EG = 1.5177
Revenue TTM = 78.2b CAD
EBIT TTM = 12.3b CAD
EBITDA TTM = 14.6b CAD
Long Term Debt = 194b CAD (from longTermDebt, last quarter)
Short Term Debt = 131b CAD (from shortTermDebt, last quarter)
Debt = 328b CAD (corrected: LT Debt 194b + ST Debt 131b) + Leases 3.31b
Net Debt = -87.3b CAD (calculated: Debt 328b - CCE 416b)
Enterprise Value = 77.0b CAD (164b + Debt 328b - CCE 416b)
Interest Coverage Ratio = 0.31 (Ebit TTM 12.3b / Interest Expense TTM 39.5b)
EV/FCF = 8.87x (Enterprise Value 77.0b / FCF TTM 8.69b)
FCF Yield = 11.28% (FCF TTM 8.69b / Enterprise Value 77.0b)
FCF Margin = 11.11% (FCF TTM 8.69b / Revenue TTM 78.2b)
Net Margin = 11.71% (Net Income TTM 9.15b / Revenue TTM 78.2b)
Gross Margin = 45.52% ((Revenue TTM 78.2b - Cost of Revenue TTM 42.6b) / Revenue TTM)
Gross Margin QoQ = 45.48% (prev 45.63%)
Tobins Q-Ratio = 0.05 (Enterprise Value 77.0b / Total Assets 1539b)
Interest Expense / Debt = 12.03% (Interest Expense 39.5b / Debt 328b)
Taxrate = 25.84% (3.19b / 12.3b)
NOPAT = 9.16b (EBIT 12.3b * (1 - 25.84%))
Current Ratio = 0.56 (Total Current Assets 74.1b / Total Current Liabilities 131b)
Debt / Equity = 3.79 (Debt 328b / totalStockholderEquity, last quarter 86.6b)
Debt / EBITDA = -5.99 (Net Debt -87.3b / EBITDA 14.6b)
Debt / FCF = -10.04 (Net Debt -87.3b / FCF TTM 8.69b)
Total Stockholder Equity = 86.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.62% (Net Income 9.15b / Total Assets 1539b)
RoE = 10.59% (Net Income TTM 9.15b / Total Stockholder Equity 86.5b)
RoCE = 4.41% (EBIT 12.3b / Capital Employed (Equity 86.5b + L.T.Debt 194b))
RoIC = 0.60% (NOPAT 9.16b / Invested Capital 1536b)
WACC = 8.80% (E(164b)/V(493b) * Re(8.55%) + D(328b)/V(493b) * Rd(12.03%) * (1-Tc(0.26)))
Discount Rate = 8.55% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -59.95 | Cagr: -15.43%
[DCF] Terminal Value 76.53% ; FCFF base≈5.42b ; Y1≈6.21b ; Y5≈9.14b
[DCF] Fair Price = 309.1 (EV 128b - Net Debt -87.3b = Equity 215b / Shares 695.1m; r=8.80% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 55.60 | EPS CAGR: 8.04% | SUE: 0.40 | # QB: 0
Revenue Correlation: 61.41 | Revenue CAGR: 3.22% | SUE: 0.68 | # QB: 0
EPS current Quarter (2027-01-31): EPS=4.00 | Chg30d=+0.65% | Revisions=+12% | Analysts=8
EPS current Year (2026-10-31): EPS=14.74 | Chg30d=+0.01% | Revisions=+81% | GrowthEPS=+21.2% | GrowthRev=+8.3%
EPS next Year (2027-10-31): EPS=16.46 | Chg30d=+0.05% | Revisions=+44% | GrowthEPS=+11.7% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +62% (up=26, down=5)