Overview Dividends

(BMO) Bank of Montreal - Ratings and Ratios

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

Deposits, Loans, Cards, Wealth, Insurance

BMO EPS (Earnings per Share)

EPS Growth (3Y CAGR): 2.23%
EPS Trend (3Y Correlation): -23.4%

BMO Revenue

Revenue Growth (3Y CAGR): 19.19%
Revenue Trend (3Y Correlation): 77.9%

Description: BMO Bank of Montreal September 25, 2025

Bank of Montreal (BMO) is a diversified financial-services firm headquartered in Montreal, Canada, operating primarily in North America. Its business is organized into four segments: Canadian Personal & Commercial (P&C), U.S. P&C, BMO Wealth Management, and BMO Capital Markets. The firm delivers a full suite of banking products-including deposits, mortgages, consumer credit, small-business loans, and credit cards-alongside commercial financing, treasury and payment solutions, and risk-management services. In wealth and investment, BMO provides advisory, digital investing, and institutional asset-management capabilities, while its insurance arm offers life, critical-illness, annuity, and group-benefit policies.

Key recent metrics (Q2 2024) show a return on equity of ~13.5% and a net interest margin of 2.1%, both above the GICS-average for diversified banks, reflecting a relatively efficient balance-sheet amid a rising-rate environment. Loan growth remained modest at 2.3% YoY, with U.S. commercial loan exposure now representing roughly 22% of total loan book-a diversification hedge against Canadian housing-market volatility. Digital adoption is accelerating; BMO’s online-banking active users grew 12% YoY, supporting fee-income expansion in a sector where fintech competition is intensifying.

If you want a deeper, data-driven view of BMO’s valuation dynamics and scenario analysis, a quick look at ValueRay’s analyst toolkit can surface the most material assumptions and sensitivity levers worth exploring.

BMO Stock Overview

Market Cap in USD	89,481m
Sub-Industry	Diversified Banks
IPO / Inception	1994-10-27

BMO Stock Ratings

Growth Rating	78.1%
Fundamental	46.4%
Dividend Rating	80.0%
Return 12m vs S&P 500	19.3%
Analyst Rating	3.53 of 5

BMO Dividends

Dividend Yield 12m	4.48%
Yield on Cost 5y	11.68%
Annual Growth 5y	9.38%
Payout Consistency	98.5%
Payout Ratio	42.6%

BMO Growth Ratios

Growth Correlation 3m	71.7%
Growth Correlation 12m	88.6%
Growth Correlation 5y	48.6%
CAGR 5y	16.51%
CAGR/Max DD 3y (Calmar Ratio)	0.68
CAGR/Mean DD 3y (Pain Ratio)	2.31
Sharpe Ratio 12m	0.49
Alpha	18.67
Beta	1.255
Volatility	19.76%
Current Volume	421.4k
Average Volume 20d	426.3k
Stop Loss	123.4 (-3%)
Signal	0.10

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (8.72b TTM) > 0 and > 6% of Revenue (6% = 4.72b TTM)

FCFTA 0.00 (>2.0%) and ΔFCFTA -1.67pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1101 % (prev -1118 %; Δ 17.76pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 2.18b <= Net Income 8.72b (YES >=105%, WARN >=100%)

Net Debt (331.21b) to EBITDA (13.67b) ratio: 24.22 <= 3.0 (WARN <= 3.5)

Current Ratio 0.20 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (720.8m) change vs 12m ago -1.29% (target <= -2.0% for YES)

Gross Margin 39.15% (prev 37.74%; Δ 1.40pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.55% (prev 5.55%; Δ -0.00pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.27 (EBITDA TTM 13.67b / Interest Expense TTM 43.45b) >= 6 (WARN >= 3)

Altman Z'' -3.74

(A) -0.60 = (Total Current Assets 213.94b - Total Current Liabilities 1079.24b) / Total Assets 1431.55b

(B) 0.03 = Retained Earnings (Balance) 47.55b / Total Assets 1431.55b

(D) 0.06 = Book Value of Equity 77.20b / Total Liabilities 1344.79b

Total Rating: -3.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 46.37

1. Piotroski 2.50pt = -2.50

2. FCF Yield 0.15% = 0.07

3. FCF Margin 0.66% = 0.16

4. Debt/Equity 4.54 = -2.40

5. Debt/Ebitda 24.22 = -2.50

6. ROIC - WACC (= -1.59)% = -1.99

7. RoE 10.13% = 0.84

8. Rev. Trend 77.95% = 5.85

9. EPS Trend -23.42% = -1.17

What is the price of BMO shares?

As of October 29, 2025, the stock is trading at USD 127.27 with a total of 421,400 shares traded.
Over the past week, the price has changed by +1.17%, over one month by -1.95%, over three months by +13.47% and over the past year by +42.44%.

Is Bank of Montreal a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Bank of Montreal (NYSE:BMO) is currently (October 2025) a stock to sell. It has a ValueRay Fundamental Rating of 46.37 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BMO is around 141.24 USD . This means that BMO is currently undervalued and has a potential upside of +10.98% (Margin of Safety).

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	114.8	-9.8%
Analysts Target Price	114.8	-9.8%
ValueRay Target Price	151.2	18.8%

BMO Fundamental Data Overview October 20, 2025

Market Cap CAD = 125.17b (89.48b USD * 1.3988 USD.CAD)
P/E Trailing = 15.3842
P/E Forward = 13.6426
P/S = 2.8402
P/B = 1.5293
P/EG = 1.3044
Beta = 1.255
Revenue TTM = 78.61b CAD
EBIT TTM = 11.53b CAD
EBITDA TTM = 13.67b CAD
Long Term Debt = 158.71b CAD (from longTermDebt, last quarter)
Short Term Debt = 235.29b CAD (from shortTermDebt, last quarter)
Debt = 394.00b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 331.21b CAD (from netDebt column, last quarter)
Enterprise Value = 349.95b CAD (125.17b + Debt 394.00b - CCE 169.21b)
Interest Coverage Ratio = 0.27 (Ebit TTM 11.53b / Interest Expense TTM 43.45b)
FCF Yield = 0.15% (FCF TTM 518.0m / Enterprise Value 349.95b)
FCF Margin = 0.66% (FCF TTM 518.0m / Revenue TTM 78.61b)
Net Margin = 11.09% (Net Income TTM 8.72b / Revenue TTM 78.61b)
Gross Margin = 39.15% ((Revenue TTM 78.61b - Cost of Revenue TTM 47.84b) / Revenue TTM)
Gross Margin QoQ = 42.45% (prev 39.65%)
Tobins Q-Ratio = 0.24 (Enterprise Value 349.95b / Total Assets 1431.55b)
Interest Expense / Debt = 2.60% (Interest Expense 10.25b / Debt 394.00b)
Taxrate = 24.50% (756.0m / 3.09b)
NOPAT = 8.70b (EBIT 11.53b * (1 - 24.50%))
Current Ratio = 0.20 (Total Current Assets 213.94b / Total Current Liabilities 1079.24b)
Debt / Equity = 4.54 (Debt 394.00b / totalStockholderEquity, last quarter 86.72b)
Debt / EBITDA = 24.22 (Net Debt 331.21b / EBITDA 13.67b)
Debt / FCF = 639.4 (Net Debt 331.21b / FCF TTM 518.0m)
Total Stockholder Equity = 86.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 8.72b / Total Assets 1431.55b)
RoE = 10.13% (Net Income TTM 8.72b / Total Stockholder Equity 86.08b)
RoCE = 4.71% (EBIT 11.53b / Capital Employed (Equity 86.08b + L.T.Debt 158.71b))
RoIC = 2.46% (NOPAT 8.70b / Invested Capital 353.34b)
WACC = 4.06% (E(125.17b)/V(519.17b) * Re(10.64%) + D(394.00b)/V(519.17b) * Rd(2.60%) * (1-Tc(0.24)))
Discount Rate = 10.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.06%
[DCF Debug] Terminal Value 59.72% ; FCFE base≈9.86b ; Y1≈6.48b ; Y5≈2.96b
Fair Price DCF = 56.30 (DCF Value 40.33b / Shares Outstanding 716.3m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -23.42 | EPS CAGR: 2.23% | SUE: 0.74 | # QB: 0
Revenue Correlation: 77.95 | Revenue CAGR: 19.19% | SUE: 0.68 | # QB: 0

Additional Sources for BMO Stock

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Fund Manager Positions: Dataroma | Stockcircle