(BMO) Bank of Montreal - Ratings and Ratios

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

Deposits, Lending, Wealth, Insurance, Capital

Stock: Diversified Banks
Age 31.2y

MCap 98,033m
Avg Vol 509K (67.3M USD)

Beta 0.617
Volatility 20.76%

EPS (Earnings per Share)

EPS CAGR: -4.45%
EPS Trend: -34.0%

Last SUE: 0.86
Qual. Beats: 1

Revenue

Rev. CAGR: 25.16%
Rev. Trend: 83.6%

Last SUE: 2.74
Qual. Beats: 1

Dividends

Dividend Yield	4.30%
Yield on Cost 5y	9.33%
Yield CAGR 5y	7.74%
Payout Consistency	98.6%
Payout Ratio	38.3%

Risk via 5d forecast
Volatility	20.8%
Value at Risk 5%th	32.2%
Relative Tail Risk	-5.62%

Reward TTM
Sharpe Ratio	1.87
Alpha	33.26
CAGR/Max DD	0.67

Character TTM
Hurst Exponent	0.575
Beta	0.617
Beta Downside	0.708

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
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.21 > 1.0
NWC/Revenue: -1238 % < 20% (prev -1172 %; Δ -65.44% < -1%)
CFO/TA 0.01 > 3% & CFO 10.24b > Net Income 8.71b
Net Debt (344.87b) to EBITDA (13.73b): 25.12 < 3
Current Ratio: 0.14 > 1.5 & < 3
Outstanding Shares: last quarter (723.3m) vs 12m ago -0.72% < -2%
Gross Margin: 41.56% > 18% (prev 0.36%; Δ 4120 % > 0.5%)
Asset Turnover: 5.41% > 50% (prev 5.57%; Δ -0.16% > 0%)
Interest Coverage Ratio: 0.27 > 6 (EBITDA TTM 13.73b / Interest Expense TTM 42.05b)

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 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)
Altman-Z'' Score: -4.08= D

Beneish M -2.92

DSRI: 1.28 (Receivables 54.18b/42.43b, Revenue 78.15b/78.56b)
GMI: 0.87 (GM 41.56% / 36.00%)
AQI: 1.00 (AQ_t 0.89 / AQ_t-1 0.88)
SGI: 0.99 (Revenue 78.15b / 78.56b)
TATA: -0.00 (NI 8.71b - CFO 10.24b) / TA 1476.80b)
Beneish M-Score: -2.92 = A

ValueRay F-Score (Strict, 0-100) 51.43

1. Piotroski: 3.50pt
2. FCF Yield: 1.91%
3. FCF Margin: 10.89%
4. Debt/Equity: 4.72
5. Debt/Ebitda: 25.12
6. ROIC - WACC: -0.96%
7. RoE: 10.01%
8. Revenue Trend: 83.62%
9. EPS Trend: -33.95%

What is the price of BMO shares?

As of January 23, 2026, the stock is trading at USD 138.66 with a total of 466,462 shares traded.
Over the past week, the price has changed by +2.82%, over one month by +6.88%, over three months by +11.36% and over the past year by +44.54%.

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	126.4	-8.9%
Analysts Target Price	126.4	-8.9%
ValueRay Target Price	165.2	19.1%

BMO Fundamental Data Overview January 21, 2026

Market Cap CAD = 135.56b (98.03b USD * 1.3828 USD.CAD)
P/E Trailing = 16.5522
P/E Forward = 14.0647
P/S = 3.0019
P/B = 1.5526
P/EG = 1.4772
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 = 446.60b CAD (135.56b + Debt 415.19b - CCE 104.16b)
Interest Coverage Ratio = 0.27 (Ebit TTM 11.55b / Interest Expense TTM 42.05b)
EV/FCF = 52.47x (Enterprise Value 446.60b / FCF TTM 8.51b)
FCF Yield = 1.91% (FCF TTM 8.51b / Enterprise Value 446.60b)
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 446.60b / 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 = 0.60% (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 = 3.39% (E(135.56b)/V(550.76b) * Re(8.19%) + D(415.19b)/V(550.76b) * Rd(2.41%) * (1-Tc(0.24)))
Discount Rate = 8.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.23%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈15.16b ; Y1≈9.95b ; Y5≈4.54b
Fair Price DCF = N/A (negative equity: EV 144.70b - Net Debt 344.87b = -200.17b; debt exceeds intrinsic value)
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
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=+0.000 | Revisions Net=+5 | Analysts=12
EPS current Year (2026-10-31): EPS=13.63 | Chg30d=+0.000 | Revisions Net=+7 | Growth EPS=+12.1% | Growth Revenue=+4.1%
EPS next Year (2027-10-31): EPS=15.46 | Chg30d=-0.001 | Revisions Net=+8 | Growth EPS=+13.4% | Growth Revenue=+5.0%

Additional Sources for BMO Stock

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