(BMO) Bank of Montreal - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 97.366m USD | Total Return: 68.8% in 12m

Banking, Wealth Management, Investments, Capital Markets
Total Rating 45
Safety 35
Buy Signal 0.93
Banks - Diversified
Industry Rotation: +18.4
Market Cap: 97.4B
Avg Turnover: 86.1M USD
ATR: 2.12%
Peers RS (IBD): 52.8
Risk 5d forecast
Volatility20.7%
Rel. Tail Risk-5.09%
Reward TTM
Sharpe Ratio2.52
Alpha41.71
Character TTM
Beta0.749
Beta Downside0.791
Drawdowns 3y
Max DD19.00%
CAGR/Max DD1.18
EPS (Earnings per Share) EPS (Earnings per Share) of BMO over the last years for every Quarter: "2021-04": 3.13, "2021-07": 3.44, "2021-10": 3.33, "2022-01": 3.89, "2022-04": 3.23, "2022-07": 3.09, "2022-10": 3.04, "2023-01": 3.22, "2023-04": 2.93, "2023-07": 2.78, "2023-10": 2.81, "2024-01": 2.56, "2024-04": 1.9, "2024-07": 2.64, "2024-10": 1.9, "2025-01": 3.04, "2025-04": 2.62, "2025-07": 3.23, "2025-10": 3.28, "2026-01": 3.48,
EPS CAGR: 2.01%
EPS Trend: -7.9%
Last SUE: 0.46
Qual. Beats: 0
Revenue Revenue of BMO over the last years for every Quarter: 2021-04: 7433, 2021-07: 8869, 2021-10: 7780, 2022-01: 8311, 2022-04: 7326, 2022-07: 9792, 2022-10: 11842, 2023-01: 14397, 2023-04: 16698, 2023-07: 17973, 2023-10: 18981, 2024-01: 18781, 2024-04: 19570, 2024-07: 20463, 2024-10: 19744, 2025-01: 20442, 2025-04: 19238, 2025-07: 19189, 2025-10: 19280, 2026-01: 19319,
Rev. CAGR: 29.51%
Rev. Trend: 77.5%
Last SUE: 0.66
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: BMO Bank of Montreal

Bank of Montreal (BMO) is a diversified financial services institution operating primarily in North America. Its business model encompasses personal and commercial banking, wealth management, and capital markets.

The companys personal and commercial banking services, offered in both Canada and the U.S., include deposits, lending, and advisory services. Wealth management, a high-margin sector, provides investing, banking, and advisory solutions for various client segments, including institutional and high-net-worth individuals. Capital Markets offers a broad range of services such as debt and equity capital raising, mergers and acquisitions advice, and sales and trading solutions across various asset classes.

Considering the breadth of BMOs operations, further investigation into its segment-specific performance metrics could provide valuable insights. For detailed financial data and analytical tools, consider exploring platforms like ValueRay.

Headlines to Watch Out For
  • Canadian P&C loan growth drives revenue
  • US P&C deposit costs impact profitability
  • Capital Markets trading volumes affect earnings
  • Interest rate changes influence net interest margin
Piotroski VR‑10 (Strict) 3.0
Net Income: 9.06b TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.20 > 1.0
NWC/Revenue: -850.9% < 20% (prev -1.09k%; Δ 242.8% < -1%)
CFO/TA 0.01 > 3% & CFO 12.70b > Net Income 9.06b
Net Debt (61.73b) to EBITDA (13.90b): 4.44 < 3
Current Ratio: 0.39 > 1.5 & < 3
Outstanding Shares: last quarter (710.2m) vs 12m ago -2.52% < -2%
Gross Margin: 43.25% > 18% (prev 0.37%; Δ 4.29k% > 0.5%)
Asset Turnover: 5.26% > 50% (prev 5.46%; Δ -0.20% > 0%)
Interest Coverage Ratio: 0.30 > 6 (EBITDA TTM 13.90b / Interest Expense TTM 40.36b)
Altman Z'' -2.73
A: -0.45 (Total Current Assets 418.25b - Total Current Liabilities 1073.68b) / Total Assets 1458.13b
B: 0.03 (Retained Earnings 47.72b / Total Assets 1458.13b)
C: 0.01 (EBIT TTM 12.01b / Avg Total Assets 1463.11b)
D: 0.06 (Book Value of Equity 77.62b / Total Liabilities 1372.38b)
Altman-Z'' Score: -2.73 = D
Beneish M -3.15
DSRI: 1.17 (Receivables 45.20b/40.16b, Revenue 77.03b/80.22b)
GMI: 0.85 (GM 43.25% / 36.73%)
AQI: 0.84 (AQ_t 0.71 / AQ_t-1 0.85)
SGI: 0.96 (Revenue 77.03b / 80.22b)
TATA: -0.00 (NI 9.06b - CFO 12.70b) / TA 1458.13b)
Beneish M-Score: -3.15 (Cap -4..+1) = AA
What is the price of BMO shares? As of April 12, 2026, the stock is trading at USD 144.31 with a total of 454,551 shares traded.
Over the past week, the price has changed by +5.06%, over one month by +0.86%, over three months by +8.67% and over the past year by +68.79%.
Is BMO a buy, sell or hold? Bank of Montreal has received a consensus analysts rating of 3.53. Therefor, it is recommend to hold BMO.
  • StrongBuy: 2
  • Buy: 5
  • Hold: 7
  • Sell: 1
  • StrongSell: 0
What are the forecasts/targets for the BMO price?
Analysts Target Price 139.6 -3.2%
Bank of Montreal (BMO) - Fundamental Data Overview as of 08 April 2026
Market Cap CAD = 134.59b (97.37b USD * 1.3823 USD.CAD)
P/E Trailing = 15.8981
P/E Forward = 13.3511
P/S = 2.9082
P/B = 1.5867
P/EG = 1.4564
Revenue TTM = 77.03b CAD
EBIT TTM = 12.01b CAD
EBITDA TTM = 13.90b CAD
Long Term Debt = 169.36b CAD (from longTermDebt, last quarter)
Short Term Debt = 135.57b CAD (from shortTermDebt, last quarter)
Debt = 304.92b CAD (corrected: LT Debt 169.36b + ST Debt 135.57b)
Net Debt = 61.73b CAD (from netDebt column, last quarter)
Enterprise Value = 66.46b CAD (134.59b + Debt 304.92b - CCE 373.05b)
Interest Coverage Ratio = 0.30 (Ebit TTM 12.01b / Interest Expense TTM 40.36b)
EV/FCF = 6.06x (Enterprise Value 66.46b / FCF TTM 10.97b)
FCF Yield = 16.51% (FCF TTM 10.97b / Enterprise Value 66.46b)
FCF Margin = 14.25% (FCF TTM 10.97b / Revenue TTM 77.03b)
Net Margin = 11.77% (Net Income TTM 9.06b / Revenue TTM 77.03b)
Gross Margin = 43.25% ((Revenue TTM 77.03b - Cost of Revenue TTM 43.71b) / Revenue TTM)
Gross Margin QoQ = 46.78% (prev 44.10%)
Tobins Q-Ratio = 0.05 (Enterprise Value 66.46b / Total Assets 1458.13b)
Interest Expense / Debt = 3.13% (Interest Expense 9.53b / Debt 304.92b)
Taxrate = 25.14% (836.0m / 3.33b)
NOPAT = 8.99b (EBIT 12.01b * (1 - 25.14%))
Current Ratio = 0.39 (Total Current Assets 418.25b / Total Current Liabilities 1073.68b)
Debt / Equity = 3.56 (Debt 304.92b / totalStockholderEquity, last quarter 85.70b)
Debt / EBITDA = 4.44 (Net Debt 61.73b / EBITDA 13.90b)
Debt / FCF = 5.62 (Net Debt 61.73b / FCF TTM 10.97b)
Total Stockholder Equity = 86.57b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.62% (Net Income 9.06b / Total Assets 1458.13b)
RoE = 10.47% (Net Income TTM 9.06b / Total Stockholder Equity 86.57b)
RoCE = 4.69% (EBIT 12.01b / Capital Employed (Equity 86.57b + L.T.Debt 169.36b))
RoIC = 2.51% (NOPAT 8.99b / Invested Capital 358.63b)
WACC = 4.26% (E(134.59b)/V(439.51b) * Re(8.62%) + D(304.92b)/V(439.51b) * Rd(3.13%) * (1-Tc(0.25)))
Discount Rate = 8.62% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.27%
[DCF] Terminal Value 80.82% ; FCFF base≈12.20b ; Y1≈8.01b ; Y5≈3.66b
[DCF] Fair Price = 77.36 (EV 116.26b - Net Debt 61.73b = Equity 54.53b / Shares 704.9m; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -7.86 | EPS CAGR: 2.01% | SUE: 0.46 | # QB: 0
Revenue Correlation: 77.51 | Revenue CAGR: 29.51% | SUE: 0.66 | # QB: 0
EPS next Quarter (2026-07-31): EPS=3.66 | Chg7d=+0.000 | Chg30d=+0.001 | Revisions Net=+10 | Analysts=11
EPS current Year (2026-10-31): EPS=14.22 | Chg7d=+0.003 | Chg30d=+0.041 | Revisions Net=+4 | Growth EPS=+16.9% | Growth Revenue=+6.6%
EPS next Year (2027-10-31): EPS=16.14 | Chg7d=+0.029 | Chg30d=+0.049 | Revisions Net=+3 | Growth EPS=+13.5% | Growth Revenue=+4.3%
[Analyst] Revisions Ratio: +0.83 (11 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.3% (Discount Rate 8.6% - Earnings Yield 6.3%)
[Growth] Growth Spread = +6.4% (Analyst 8.8% - Implied 2.3%)
External Resources
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