BMO Stock Analysis: Bank of Montreal | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 126.649m USD | 12M Return: 66.7% | CA0636711016 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 108M
EPS Trend: 25.1%
Qual. Beats: 0
Rev. Trend: 71.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 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 (NYSE: BMO) is a diversified financial services company headquartered in Montreal, Canada, founded in 1817. It is one of Canadas largest banks and operates primarily across North America through four main segments: Canadian Personal and Commercial Banking, U.S. Banking, Wealth Management, and Capital Markets.
The company delivers a broad range of banking, lending, investment, insurance, and capital markets services to retail, commercial, institutional, and high-net-worth clients. Its business model spans retail deposits and mortgages, commercial financing, wealth and asset management, life insurance and annuities, as well as investment banking, trading, and risk management solutions, placing it within the GICS Diversified Banks sub-industry alongside other globally active financial institutions.
- Net interest margin compresses as Bank of Canada cuts rates
- U.S. Banking segment loan growth drives revenue higher
- Wealth Management fees expand on rising AUM
| Net Income: 9.73b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.71 > 1.0 |
| NWC/Revenue: -1.31k% < 20% (prev -1.06k%; Δ -245.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 19.5b > Net Income 9.73b |
| Net Debt (-224b) to EBITDA (15.1b): -14.78 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (710.2m) vs 12m ago -2.24% < -2% |
| Gross Margin: 44.76% > 18% (prev 37.40%; Δ 7.37% > 0.5%) |
| Asset Turnover: 5.24% > 50% (prev 5.55%; Δ -0.30% > 0%) |
| Interest Coverage Ratio: 0.33 > 6 (EBIT TTM 12.9b / Interest Expense TTM 39.5b) |
| A: -0.67 (Total Current Assets 63.8b - Total Current Liabilities 1074b) / Total Assets 1499b |
| B: 0.03 (Retained Earnings 48.1b / Total Assets 1499b) |
| C: 0.01 (EBIT TTM 12.9b / Avg Total Assets 1470b) |
| D: 0.06 (Book Value of Equity 85.5b / Total Liabilities 1413b) |
| Altman-Z'' = -4.19 = D |
| DSRI: 1.04 (Receivables 50.3b/50.0b, Revenue 77.1b/79.9b) |
| GMI: 0.84 (GM 37.40% / 44.76%) |
| AQI: 1.14 (AQ_t 0.95 / AQ_t-1 0.84) |
| SGI: 0.96 (Revenue 77.1b / 79.9b) |
| TATA: -0.01 (NI 9.73b - CFO 19.5b) / TA 1499b) |
| Beneish M = -3.09 (Cap -4..+1) = AA |
As of August 11, 2026, the stock is trading at USD 181.91 with a total of 338,831 shares traded. Over the past week, the price has changed by +1.22%, over one month by +2.37%, over three months by +19.68% and over the past year by +66.71%.
Current recommended Stop Loss: 177.00 (which is 2.7% or 1.6 ATR below the current price).
Bank of Montreal has received a consensus analysts rating of 3.29. Therefore, it is recommended to hold BMO.
- StrongBuy: 3
- Buy: 1
- Hold: 7
- Sell: 3
- StrongSell: 0
| Analysts Target Price | 162.2 | -10.8% |
Market Cap CAD = 177b (127b USD * 1.395 USD.CAD)
P/E Trailing = 19.527
P/E Forward = 15.1745
P/S = 3.6516
P/B = 2.0999
P/EG = 1.8205
Revenue TTM = 77.1b CAD
EBIT TTM = 12.9b CAD
EBITDA TTM = 15.1b CAD
Long Term Debt = 128b CAD (from longTermDebt, last quarter)
Short Term Debt = 132b CAD (from shortTermDebt, last quarter)
Debt = 170b CAD (from shortLongTermDebtTotal, last quarter) + Leases 3.31b
Net Debt = -224b CAD (calculated: Debt 170b - CCE 393b)
Enterprise Value = 177b CAD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.33 (Ebit TTM 12.9b / Interest Expense TTM 39.5b)
EV/FCF = 9.97x (Enterprise Value 177b / FCF TTM 17.7b)
FCF Yield = 10.03% (FCF TTM 17.7b / Enterprise Value 177b)
FCF Margin = 22.99% (FCF TTM 17.7b / Revenue TTM 77.1b)
Net Margin = 12.63% (Net Income TTM 9.73b / Revenue TTM 77.1b)
Gross Margin = 44.76% ((Revenue TTM 77.1b - Cost of Revenue TTM 42.6b) / Revenue TTM)
Gross Margin QoQ = 45.63% (prev 46.86%)
Tobins Q-Ratio = 0.12 (Enterprise Value 177b / Total Assets 1499b)
Interest Expense / Debt = 23.28% (Interest Expense 39.5b / Debt 170b)
Taxrate = 24.69% (3.19b / 12.9b)
NOPAT = 9.74b (EBIT 12.9b * (1 - 24.69%))
Current Ratio = 0.06 (Total Current Assets 63.8b / Total Current Liabilities 1074b)
Debt / Equity = 1.99 (Debt 170b / totalStockholderEquity, last quarter 85.5b)
Debt / EBITDA = -14.78 (Net Debt -224b / EBITDA 15.1b)
Debt / FCF = -12.62 (Net Debt -224b / FCF TTM 17.7b)
Total Stockholder Equity = 86.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.66% (Net Income 9.73b / Total Assets 1499b)
RoE = 11.25% (Net Income TTM 9.73b / Total Stockholder Equity 86.5b)
RoCE = 6.02% (EBIT 12.9b / Capital Employed (Equity 86.5b + L.T.Debt 128b))
RoIC = 0.65% (NOPAT 9.74b / Invested Capital 1495b)
WACC = 12.99% (E(177b)/V(347b) * Re(8.63%) + D(170b)/V(347b) * Rd(23.28%) * (1-Tc(0.25)))
Discount Rate = 8.63% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -79.58 | Cagr: -0.89%
[DCF] Terminal Value 64.47% ; FCFF base≈13.3b ; Y1≈15.3b ; Y5≈22.5b
[DCF] Fair Price = 583.4 (EV 185b - Net Debt -224b = Equity 409b / Shares 700.4m; r=12.99% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 25.10 | EPS CAGR: 3.33% | SUE: 0.65 | # QB: 0
Revenue Correlation: 71.26 | Revenue CAGR: 6.57% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-07-31): EPS=3.70 | Chg30d=+0.17% | Revisions=+25% | Analysts=11
EPS current Year (2026-10-31): EPS=14.51 | Chg30d=+0.10% | Revisions=+25% | GrowthEPS=+19.4% | GrowthRev=+6.9%
EPS next Year (2027-10-31): EPS=16.30 | Chg30d=+0.08% | Revisions=+44% | GrowthEPS=+12.3% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: +42% (up=17, down=6)