(BMO) Bank of Montreal - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 113.474m USD | Total Return: 56.4% in 12m
Avg Turnover: 111M
EPS Trend: 27.6%
Qual. Beats: 0
Rev. Trend: 71.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Supp Ema20, Idiosyncratic Leader
Bank of Montreal (BMO) is a diversified financial institution providing personal and commercial banking, wealth management, and capital markets services across North America. Established in 1817, the bank operates through four primary segments, offering a comprehensive suite of products including retail lending, asset management, and investment banking.
The Canadian banking sector is characterized by an oligopolistic structure where a small group of large institutions, including BMO, maintain significant market share and high barriers to entry. BMO’s business model relies on a mix of interest income from traditional lending and non-interest income generated through advisory fees, insurance premiums, and trading commissions.
Investors may find it useful to review ValueRay for further data on the companys valuation metrics.
- Bank of the West integration determines U.S. segment profitability and efficiency ratios
- Net interest margin volatility tracks North American central bank monetary policy shifts
- Commercial loan growth and credit quality drive core Canadian P&C earnings
- Wealth management fee revenue scales with global equity market performance fluctuations
- Capital markets advisory and trading volume sensitivity impacts non-interest income stability
| Net Income: 9.73b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 2.73 > 1.0 |
| NWC/Revenue: -1.31k% < 20% (prev -1.06k%; Δ -246.2% < -1%) |
| CFO/TA 0.03 > 3% & CFO 49.7b > Net Income 9.73b |
| Net Debt (71.7b) to EBITDA (15.1b): 4.74 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (518.4m) vs 12m ago -28.64% < -2% |
| Gross Margin: 44.73% > 18% (prev 0.37%; Δ 4.44k% > 0.5%) |
| Asset Turnover: 5.24% > 50% (prev 5.55%; Δ -0.30% > 0%) |
| Interest Coverage Ratio: 0.33 > 6 (EBITDA TTM 15.1b / 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 48.0b / Total Assets 1499b) |
| C: 0.01 (EBIT TTM 12.9b / Avg Total Assets 1470b) |
| D: 0.03 (Book Value of Equity 48.0b / Total Liabilities 1413b) |
| Altman-Z'' = -4.22 = D |
| DSRI: 1.04 (Receivables 50.3b/50.0b, Revenue 77.1b/79.9b) |
| GMI: 0.84 (GM 44.73% / 37.40%) |
| AQI: 1.14 (AQ_t 0.95 / AQ_t-1 0.84) |
| SGI: 0.96 (Revenue 77.1b / 79.9b) |
| TATA: -0.03 (NI 9.73b - CFO 49.7b) / TA 1499b) |
| Beneish M = -3.11 (Cap -4..+1) = AA |
As of June 02, 2026, the stock is trading at USD 162.62 with a total of 673,024 shares traded.
Over the past week, the price has changed by +1.05%,
over one month by +6.64%,
over three months by +12.69% and
over the past year by +56.36%.
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 | 149.4 | -8.2% |
Market Cap CAD = 157b (113b USD * 1.3841 USD.CAD)
P/E Trailing = 17.2351
P/E Forward = 15.5039
P/S = 3.2718
P/B = 1.8699
P/EG = 1.8595
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 = 135b CAD (from shortLongTermDebtTotal, last quarter) + Leases 3.31b
Net Debt = 71.7b CAD (calculated: Debt 135b - CCE 63.8b)
Enterprise Value = 229b CAD (157b + Debt 135b - CCE 63.8b)
Interest Coverage Ratio = 0.33 (Ebit TTM 12.9b / Interest Expense TTM 39.5b)
EV/FCF = 4.77x (Enterprise Value 229b / FCF TTM 48.0b)
FCF Yield = 20.97% (FCF TTM 48.0b / Enterprise Value 229b)
FCF Margin = 62.24% (FCF TTM 48.0b / Revenue TTM 77.1b)
Net Margin = 12.63% (Net Income TTM 9.73b / Revenue TTM 77.1b)
Gross Margin = 44.73% ((Revenue TTM 77.1b - Cost of Revenue TTM 42.6b) / Revenue TTM)
Gross Margin QoQ = 45.59% (prev 46.78%)
Tobins Q-Ratio = 0.15 (Enterprise Value 229b / Total Assets 1499b)
Interest Expense / Debt = 29.19% (Interest Expense 39.5b / Debt 135b)
Taxrate = 25.08% (867.7m / 3.46b)
NOPAT = 9.69b (EBIT 12.9b * (1 - 25.08%))
Current Ratio = 0.06 (Total Current Assets 63.8b / Total Current Liabilities 1074b)
Debt / Equity = 1.58 (Debt 135b / totalStockholderEquity, last quarter 85.5b)
Debt / EBITDA = 4.74 (Net Debt 71.7b / EBITDA 15.1b)
Debt / FCF = 1.49 (Net Debt 71.7b / FCF TTM 48.0b)
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 9.69b / Invested Capital 1499b)
WACC = 14.73% (E(157b)/V(293b) * Re(8.58%) + D(135b)/V(293b) * Rd(29.19%) * (1-Tc(0.25)))
Discount Rate = 8.58% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -67.42 | Cagr: -13.83%
[DCF] Terminal Value 60.12% ; FCFF base≈31.5b ; Y1≈36.1b ; Y5≈53.1b
[DCF] Fair Price = 429.0 (EV 372b - Net Debt 71.7b = Equity 300b / Shares 700.4m; r=14.73% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 27.62 | EPS CAGR: 3.69% | SUE: 0.65 | # QB: 0
Revenue Correlation: 71.22 | Revenue CAGR: 6.57% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-07-31): EPS=3.70 | Chg30d=+1.06% | Revisions=+23% | Analysts=12
EPS current Year (2026-10-31): EPS=14.47 | Chg30d=+1.74% | Revisions=-7% | GrowthEPS=+19.0% | GrowthRev=+6.9%
EPS next Year (2027-10-31): EPS=16.24 | Chg30d=+0.64% | Revisions=-12% | GrowthEPS=+12.3% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: +23%