Overview Dividends

(BMO) Bank of Montreal - Ratings and Ratios

Exchange: NYSE • Country: Canada • Currency: USD • Type: Common Stock • ISIN: CA0636711016

Deposits, Lending, Wealth, Insurance, Capital

Diversified Banks
Market Cap in USD: 94,332m
IPO / Inception: 1994-10-27
Return 12m vs S&P 500: 18.3%

EPS (Earnings per Share)

EPS (Earnings per Share) of BMO over the last years for every Quarter: "2021-01": 3.06, "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,
EPS CAGR: -4.45%
EPS Trend: -34.0%
Last SUE: 0.86
Qual. Beats: 1

Revenue

Revenue of BMO over the last years for every Quarter: 2021-01: 8404, 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,
Rev. CAGR: 25.16%
Rev. Trend: 83.6%
Last SUE: 2.74
Qual. Beats: 1

Dividends

Dividend Yield 4.46%
Yield on Cost 5y 9.57%
Yield CAGR 5y 7.74%
Payout Consistency 97.0%
Payout Ratio 37.7%
Risk via 5d forecast
Volatility 18.2%
Value at Risk 5%th 28.3%
Relative Tail Risk -5.59%
Reward TTM
Sharpe Ratio 1.71
Alpha 28.28
CAGR/Max DD 0.71
Character TTM
Hurst Exponent 0.480
Beta 0.603
Beta Downside 0.700
Drawdowns 3y
Max DD 24.42%
Mean DD 7.00%
Median DD 5.70%

Description: BMO Bank of Montreal December 02, 2025

Bank of Montreal (BMO) is a diversified North-American financial services firm operating through four primary segments: Canadian Personal & Commercial Banking, U.S. Personal & Commercial Banking, BMO Wealth Management, and BMO Capital Markets. It offers a full suite of products-including deposits, mortgages, credit cards, small-business loans, treasury and payment solutions, investment management, life/critical-illness insurance, annuities, and capital-raising services-for retail, corporate, and institutional clients.

Recent performance highlights (Q4 2024): net income of CAD 5.2 billion, return on equity (ROE) of 13.4% and a CET1 capital ratio of 13.1%, both comfortably above the Canadian banking average. Wealth-management assets under management grew 7% YoY, propelled by strong adoption of digital advisory tools, while capital-markets revenue rose 5% on higher trading volumes in equities and commodities.

Key macro-economic drivers include Canada’s low-interest-rate environment, which pressures net interest margins, and the U.S. consumer-credit cycle, which directly affects the U.S. P&C segment’s loan performance. Additionally, the industry-wide shift toward digital banking and ESG-linked investment products is reshaping BMO’s growth opportunities.

For a deeper, data-rich view of BMO’s valuation and risk profile, you may want to explore the ValueRay platform.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (8.71b TTM) > 0 and > 6% of Revenue (6% = 4.69b TTM)
FCFTA 0.01 (>2.0%) and ΔFCFTA -1.21pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -1238 % (prev -1172 %; Δ -65.44pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.01 (>3.0%) and CFO 10.24b > Net Income 8.71b (YES >=105%, WARN >=100%)
Net Debt (344.87b) to EBITDA (13.73b) ratio: 25.12 <= 3.0 (WARN <= 3.5)
Current Ratio 0.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (723.3m) change vs 12m ago -0.72% (target <= -2.0% for YES)
Gross Margin 41.56% (prev 36.00%; Δ 5.57pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 5.41% (prev 5.57%; Δ -0.16pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.27 (EBITDA TTM 13.73b / Interest Expense TTM 42.05b) >= 6 (WARN >= 3)

Altman Z'' -4.08

(A) -0.65 = (Total Current Assets 158.34b - Total Current Liabilities 1125.44b) / Total Assets 1476.80b
(B) 0.03 = Retained Earnings (Balance) 47.38b / Total Assets 1476.80b
(C) 0.01 = EBIT TTM 11.55b / Avg Total Assets 1443.22b
(D) 0.06 = Book Value of Equity 78.72b / Total Liabilities 1388.70b
Total Rating: -4.08 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 51.50

1. Piotroski 3.50pt
2. FCF Yield 1.93%
3. FCF Margin 10.89%
4. Debt/Equity 4.72
5. Debt/Ebitda 25.12
6. ROIC - WACC (= -0.91)%
7. RoE 10.01%
8. Rev. Trend 83.62%
9. EPS Trend -33.95%

What is the price of BMO shares?

As of January 02, 2026, the stock is trading at USD 129.79 with a total of 323,200 shares traded.
Over the past week, the price has changed by -0.88%, over one month by +4.53%, over three months by +0.42% and over the past year by +39.58%.

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.
  • 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 123.6 -4.8%
Analysts Target Price 123.6 -4.8%
ValueRay Target Price 154.1 18.7%

BMO Fundamental Data Overview December 31, 2025

Market Cap CAD = 129.30b (94.33b USD * 1.3707 USD.CAD)
P/E Trailing = 15.6798
P/E Forward = 13.7363
P/S = 2.8886
P/B = 1.4687
P/EG = 1.4621
Beta = 1.223
Revenue TTM = 78.15b CAD
EBIT TTM = 11.55b CAD
EBITDA TTM = 13.73b CAD
Long Term Debt = 59.13b CAD (from longTermDebt, last quarter)
Short Term Debt = 248.31b CAD (from shortTermDebt, last quarter)
Debt = 415.19b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 344.87b CAD (from netDebt column, last quarter)
Enterprise Value = 440.34b CAD (129.30b + Debt 415.19b - CCE 104.16b)
Interest Coverage Ratio = 0.27 (Ebit TTM 11.55b / Interest Expense TTM 42.05b)
FCF Yield = 1.93% (FCF TTM 8.51b / Enterprise Value 440.34b)
FCF Margin = 10.89% (FCF TTM 8.51b / Revenue TTM 78.15b)
Net Margin = 11.14% (Net Income TTM 8.71b / Revenue TTM 78.15b)
Gross Margin = 41.56% ((Revenue TTM 78.15b - Cost of Revenue TTM 45.67b) / Revenue TTM)
Gross Margin QoQ = 44.10% (prev 42.45%)
Tobins Q-Ratio = 0.30 (Enterprise Value 440.34b / Total Assets 1476.80b)
Interest Expense / Debt = 2.41% (Interest Expense 10.02b / Debt 415.19b)
Taxrate = 24.26% (735.0m / 3.03b)
NOPAT = 8.75b (EBIT 11.55b * (1 - 24.26%))
Current Ratio = 0.14 (Total Current Assets 158.34b / Total Current Liabilities 1125.44b)
Debt / Equity = 4.72 (Debt 415.19b / totalStockholderEquity, last quarter 88.05b)
Debt / EBITDA = 25.12 (Net Debt 344.87b / EBITDA 13.73b)
Debt / FCF = 40.52 (Net Debt 344.87b / FCF TTM 8.51b)
Total Stockholder Equity = 87.03b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.59% (Net Income 8.71b / Total Assets 1476.80b)
RoE = 10.01% (Net Income TTM 8.71b / Total Stockholder Equity 87.03b)
RoCE = 7.90% (EBIT 11.55b / Capital Employed (Equity 87.03b + L.T.Debt 59.13b))
RoIC = 2.44% (NOPAT 8.75b / Invested Capital 358.87b)
WACC = 3.35% (E(129.30b)/V(544.50b) * Re(8.24%) + D(415.19b)/V(544.50b) * Rd(2.41%) * (1-Tc(0.24)))
Discount Rate = 8.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.23%
[DCF Debug] Terminal Value 69.59% ; FCFE base≈15.16b ; Y1≈9.95b ; Y5≈4.55b
Fair Price DCF = 122.1 (DCF Value 86.55b / Shares Outstanding 708.9m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -33.95 | EPS CAGR: -4.45% | SUE: 0.86 | # QB: 1
Revenue Correlation: 83.62 | Revenue CAGR: 25.16% | SUE: 2.74 | # QB: 1
EPS next Quarter (2026-04-30): EPS=3.28 | Chg30d=+0.123 | Revisions Net=+5 | Analysts=12
EPS current Year (2026-10-31): EPS=13.63 | Chg30d=+0.263 | Revisions Net=+7 | Growth EPS=+12.1% | Growth Revenue=+3.7%
EPS next Year (2027-10-31): EPS=15.46 | Chg30d=+0.302 | Revisions Net=+8 | Growth EPS=+13.4% | Growth Revenue=+4.9%

Additional Sources for BMO Stock

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