(BMO) Bank of Montreal - Ratings and Ratios
Deposits, Lending, Wealth, Insurance, Capital
Dividends
| Dividend Yield | 3.69% |
| Yield on Cost 5y | 7.50% |
| Yield CAGR 5y | 9.38% |
| Payout Consistency | 96.8% |
| Payout Ratio | 42.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 19.7% |
| Value at Risk 5%th | 30.5% |
| Relative Tail Risk | -5.98% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.52 |
| Alpha | 26.85 |
| CAGR/Max DD | 0.56 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.495 |
| Beta | 0.596 |
| Beta Downside | 0.746 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.42% |
| Mean DD | 7.17% |
| Median DD | 5.92% |
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) 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 |
| (C) 0.01 = EBIT TTM 11.53b / Avg Total Assets 1416.01b |
| (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) 46.36
| 1. Piotroski 2.50pt |
| 2. FCF Yield 0.15% |
| 3. FCF Margin 0.66% |
| 4. Debt/Equity 4.54 |
| 5. Debt/Ebitda 24.22 |
| 6. ROIC - WACC (= -1.01)% |
| 7. RoE 10.13% |
| 8. Rev. Trend 88.66% |
| 9. EPS Trend -54.25% |
What is the price of BMO shares?
Over the past week, the price has changed by +1.54%, over one month by -0.53%, over three months by +3.00% and over the past year by +36.27%.
Is BMO a buy, sell or hold?
- 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 | 117.3 | -5.5% |
| Analysts Target Price | 117.3 | -5.5% |
| ValueRay Target Price | 143.6 | 15.7% |
BMO Fundamental Data Overview November 27, 2025
P/E Trailing = 15.0988
P/E Forward = 12.8866
P/S = 2.842
P/B = 1.4532
P/EG = 1.3044
Beta = 1.236
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 = 350.19b CAD (125.40b + 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 350.19b)
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 350.19b / 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 = 3.47% (E(125.40b)/V(519.40b) * Re(8.21%) + D(394.00b)/V(519.40b) * Rd(2.60%) * (1-Tc(0.24)))
Discount Rate = 8.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.06%
[DCF Debug] Terminal Value 69.72% ; FCFE base≈9.86b ; Y1≈6.48b ; Y5≈2.96b
Fair Price DCF = 79.02 (DCF Value 56.60b / Shares Outstanding 716.3m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -54.25 | EPS CAGR: -0.81% | SUE: 0.74 | # QB: 0
Revenue Correlation: 88.66 | Revenue CAGR: 27.22% | SUE: 0.68 | # QB: 0
EPS next Quarter (2026-01-31): EPS=3.27 | Chg30d=-0.031 | Revisions Net=+0 | Analysts=7
EPS next Year (2026-10-31): EPS=13.42 | Chg30d=+0.088 | Revisions Net=+2 | Growth EPS=+12.6% | Growth Revenue=+3.0%
Additional Sources for BMO Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle