(BMO) Bank of Montreal - Ratings and Ratios
Deposits, Mortgages, Credit Cards, Loans, Investments, Insurance
BMO EPS (Earnings per Share)
BMO Revenue
Description: BMO Bank of Montreal
Bank of Montreal is a diversified financial services provider with a strong presence in North America, operating through multiple segments including personal and commercial banking, wealth management, and capital markets. The bank offers a wide range of financial products and services, including deposits, mortgages, credit cards, investment management, and risk management solutions to individuals, families, and businesses.
From a strategic perspective, Bank of Montreals diversified business model and strong brand presence are key strengths. The banks wealth management and capital markets segments are particularly noteworthy, as they provide a significant source of fee-based revenue and help to drive growth. Additionally, the banks focus on digital transformation is likely to continue to drive efficiency and improve customer experience. Key performance indicators (KPIs) to watch include the banks net interest margin (NIM), return on equity (RoE), and efficiency ratio, which currently stands alongside a RoE of 9.70%.
The banks financial performance is also influenced by its asset quality, with a focus on maintaining a strong balance sheet and managing risk. Key metrics to monitor include the banks non-performing loan (NPL) ratio, loan loss provisions, and capital adequacy ratio. With a market capitalization of $82.3 billion USD, Bank of Montreal is one of the largest banks in Canada, and its stock is listed on the NYSE under the ticker symbol BMO. The banks ability to generate returns above its cost of capital and maintain a stable dividend payout will be important factors in driving long-term shareholder value.
BMO Stock Overview
| Market Cap in USD | 82,150m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1994-10-27 |
BMO Stock Ratings
| Growth Rating | 77.4% |
| Fundamental | 50.4% |
| Dividend Rating | 77.4% |
| Return 12m vs S&P 500 | 30.5% |
| Analyst Rating | 3.53 of 5 |
BMO Dividends
| Dividend Yield 12m | 4.18% |
| Yield on Cost 5y | 8.88% |
| Annual Growth 5y | 7.44% |
| Payout Consistency | 98.6% |
| Payout Ratio | 44.9% |
BMO Growth Ratios
| Growth Correlation 3m | 84.5% |
| Growth Correlation 12m | 88.2% |
| Growth Correlation 5y | 48.8% |
| CAGR 5y | 18.95% |
| CAGR/Max DD 5y | 0.55 |
| Sharpe Ratio 12m | 0.49 |
| Alpha | 41.30 |
| Beta | 0.715 |
| Volatility | 22.76% |
| Current Volume | 887.1k |
| Average Volume 20d | 464.7k |
| Stop Loss | 117.3 (-3.1%) |
| Signal | 3.14 |
Piotroski VR‑10 (Strict, 0-10) 1.5
| Net Income (8.26b TTM) > 0 and > 6% of Revenue (6% = 4.79b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -1.90pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1064 % (prev -1130 %; Δ 65.59pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 8.41b > Net Income 8.26b (YES >=105%, WARN >=100%) |
| Net Debt (326.03b) to EBITDA (13.03b) ratio: 25.02 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.21 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (726.4m) change vs 12m ago -0.39% (target <= -2.0% for YES) |
| Gross Margin 37.40% (prev 39.41%; Δ -2.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.68% (prev 5.48%; Δ 0.20pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.24 (EBITDA TTM 13.03b / Interest Expense TTM 45.52b) >= 6 (WARN >= 3) |
Altman Z'' -3.65
| (A) -0.59 = (Total Current Assets 224.54b - Total Current Liabilities 1074.92b) / Total Assets 1440.27b |
| (B) 0.03 = Retained Earnings (Balance) 47.16b / Total Assets 1440.27b |
| (C) 0.01 = EBIT TTM 10.89b / Avg Total Assets 1407.16b |
| (D) 0.06 = Book Value of Equity 77.64b / Total Liabilities 1354.44b |
| Total Rating: -3.65 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 50.39
| 1. Piotroski 1.50pt = -3.50 |
| 2. FCF Yield 2.02% = 1.01 |
| 3. FCF Margin 8.44% = 2.11 |
| 4. Debt/Equity 4.60 = -2.42 |
| 5. Debt/Ebitda 30.28 = -2.50 |
| 6. ROIC - WACC -1.13% = -1.41 |
| 7. RoE 9.70% = 0.81 |
| 8. Rev. Trend 84.40% = 4.22 |
| 9. Rev. CAGR 27.84% = 2.50 |
| 10. EPS Trend -26.23% = -0.66 |
| 11. EPS CAGR 2.23% = 0.22 |
What is the price of BMO shares?
Over the past week, the price has changed by +5.47%, over one month by +7.93%, over three months by +14.30% and over the past year by +52.62%.
Is Bank of Montreal a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BMO is around 137.07 USD . This means that BMO is currently undervalued and has a potential upside of +13.28% (Margin of Safety).
Is BMO a buy, sell or hold?
- Strong Buy: 2
- Buy: 5
- Hold: 7
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the BMO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 110.1 | -9% |
| Analysts Target Price | 110.1 | -9% |
| ValueRay Target Price | 146 | 20.7% |
Last update: 2025-08-27 02:47
BMO Fundamental Data Overview
CCE Cash And Equivalents = 174.51b CAD (Cash And Short Term Investments, last quarter)
P/E Trailing = 14.6422
P/E Forward = 12.1951
P/S = 2.6846
P/B = 1.3676
P/EG = 1.1784
Beta = 1.258
Revenue TTM = 79.89b CAD
EBIT TTM = 10.89b CAD
EBITDA TTM = 13.03b CAD
Long Term Debt = 166.12b CAD (from longTermDebt, last quarter)
Short Term Debt = 228.48b CAD (from shortTermDebt, last quarter)
Debt = 394.61b CAD (Calculated: Short Term 228.48b + Long Term 166.12b)
Net Debt = 326.03b CAD (from netDebt column, last quarter)
Enterprise Value = 333.30b CAD (113.21b + Debt 394.61b - CCE 174.51b)
Interest Coverage Ratio = 0.24 (Ebit TTM 10.89b / Interest Expense TTM 45.52b)
FCF Yield = 2.02% (FCF TTM 6.74b / Enterprise Value 333.30b)
FCF Margin = 8.44% (FCF TTM 6.74b / Revenue TTM 79.89b)
Net Margin = 10.34% (Net Income TTM 8.26b / Revenue TTM 79.89b)
Gross Margin = 37.40% ((Revenue TTM 79.89b - Cost of Revenue TTM 50.01b) / Revenue TTM)
Tobins Q-Ratio = 4.29 (Enterprise Value 333.30b / Book Value Of Equity 77.64b)
Interest Expense / Debt = 2.68% (Interest Expense 10.56b / Debt 394.61b)
Taxrate = 23.16% (from yearly Income Tax Expense: 2.21b / 9.54b)
NOPAT = 8.37b (EBIT 10.89b * (1 - 23.16%))
Current Ratio = 0.21 (Total Current Assets 224.54b / Total Current Liabilities 1074.92b)
Debt / Equity = 4.60 (Debt 394.61b / last Quarter total Stockholder Equity 85.80b)
Debt / EBITDA = 30.28 (Net Debt 326.03b / EBITDA 13.03b)
Debt / FCF = 58.53 (Debt 394.61b / FCF TTM 6.74b)
Total Stockholder Equity = 85.13b (last 4 quarters mean)
RoA = 0.57% (Net Income 8.26b, Total Assets 1440.27b )
RoE = 9.70% (Net Income TTM 8.26b / Total Stockholder Equity 85.13b)
RoCE = 4.33% (Ebit 10.89b / (Equity 85.13b + L.T.Debt 166.12b))
RoIC = 2.40% (NOPAT 8.37b / Invested Capital 348.79b)
WACC = 3.53% (E(113.21b)/V(507.82b) * Re(8.65%)) + (D(394.61b)/V(507.82b) * Rd(2.68%) * (1-Tc(0.23)))
Shares Correlation 5-Years: 90.0 | Cagr: 2.81%
Discount Rate = 8.65% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.76% ; FCFE base≈17.08b ; Y1≈11.21b ; Y5≈5.13b
Fair Price DCF = 126.2 (DCF Value 91.11b / Shares Outstanding 722.1m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 84.40 | Revenue CAGR: 27.84%
Rev Growth-of-Growth: -32.58
EPS Correlation: -26.23 | EPS CAGR: 2.23%
EPS Growth-of-Growth: 28.20
Additional Sources for BMO Stock
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Fund Manager Positions: Dataroma | Stockcircle