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BANK OF MONTREAL - BMO 6.816 PERP (BMO-PR-E.CA) Stock Fundamental Analysis

Canada - TSX:BMO-PR-E - CA06368B2075

26.55 CAD
+0.1 (+0.38%)
Last: 9/22/2025, 7:00:00 PM
Fundamental Rating

3

Taking everything into account, BMO-PR-E scores 3 out of 10 in our fundamental rating. BMO-PR-E was compared to 26 industry peers in the Banks industry. BMO-PR-E has a bad profitability rating. Also its financial health evaluation is rather negative. BMO-PR-E is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BMO-PR-E had positive earnings in the past year.
In the past year BMO-PR-E had a positive cash flow from operations.
In the past 5 years BMO-PR-E has always been profitable.
BMO-PR-E had a positive operating cash flow in each of the past 5 years.
BMO-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFBMO-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B 50B

1.2 Ratios

BMO-PR-E has a worse Return On Assets (0.58%) than 76.92% of its industry peers.
BMO-PR-E has a worse Return On Equity (9.57%) than 69.23% of its industry peers.
Industry RankSector Rank
ROA 0.58%
ROE 9.57%
ROIC N/A
ROA(3y)0.65%
ROA(5y)0.65%
ROE(3y)10.78%
ROE(5y)10.79%
ROIC(3y)N/A
ROIC(5y)N/A
BMO-PR-E.CA Yearly ROA, ROE, ROICBMO-PR-E.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of BMO-PR-E (23.12%) is worse than 73.08% of its industry peers.
In the last couple of years the Profit Margin of BMO-PR-E has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for BMO-PR-E so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.54%
PM growth 5Y-0.59%
GM growth 3YN/A
GM growth 5YN/A
BMO-PR-E.CA Yearly Profit, Operating, Gross MarginsBMO-PR-E.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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0

2. Health

2.1 Basic Checks

BMO-PR-E does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BMO-PR-E has more shares outstanding
Compared to 5 years ago, BMO-PR-E has more shares outstanding
Compared to 1 year ago, BMO-PR-E has about the same debt to assets ratio.
BMO-PR-E.CA Yearly Shares OutstandingBMO-PR-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
BMO-PR-E.CA Yearly Total Debt VS Total AssetsBMO-PR-E.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T

2.2 Solvency

BMO-PR-E has a debt to FCF ratio of 455.97. This is a negative value and a sign of low solvency as BMO-PR-E would need 455.97 years to pay back of all of its debts.
BMO-PR-E has a worse Debt to FCF ratio (455.97) than 92.31% of its industry peers.
BMO-PR-E has a Debt/Equity ratio of 2.69. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BMO-PR-E (2.69) is worse than 73.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.69
Debt/FCF 455.97
Altman-Z N/A
ROIC/WACCN/A
WACC17.1%
BMO-PR-E.CA Yearly LT Debt VS Equity VS FCFBMO-PR-E.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B 80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BMO-PR-E.CA Yearly Current Assets VS Current LiabilitesBMO-PR-E.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

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4

3. Growth

3.1 Past

BMO-PR-E shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.79%.
The Earnings Per Share has been growing slightly by 0.55% on average over the past years.
BMO-PR-E shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.61%.
The Revenue has been growing slightly by 5.17% on average over the past years.
EPS 1Y (TTM)1.79%
EPS 3Y-9.24%
EPS 5Y0.55%
EPS Q2Q%22.35%
Revenue 1Y (TTM)11.61%
Revenue growth 3Y6.45%
Revenue growth 5Y5.17%
Sales Q2Q%9.53%

3.2 Future

Based on estimates for the next years, BMO-PR-E will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.12% on average per year.
Based on estimates for the next years, BMO-PR-E will show a small growth in Revenue. The Revenue will grow by 4.08% on average per year.
EPS Next Y19.37%
EPS Next 2Y16.51%
EPS Next 3Y14.34%
EPS Next 5Y9.12%
Revenue Next Year10.89%
Revenue Next 2Y6.92%
Revenue Next 3Y5.59%
Revenue Next 5Y4.08%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BMO-PR-E.CA Yearly Revenue VS EstimatesBMO-PR-E.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
BMO-PR-E.CA Yearly EPS VS EstimatesBMO-PR-E.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.46 indicates a rather cheap valuation of BMO-PR-E.
65.38% of the companies in the same industry are more expensive than BMO-PR-E, based on the Price/Earnings ratio.
BMO-PR-E's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
A Price/Forward Earnings ratio of 2.02 indicates a rather cheap valuation of BMO-PR-E.
84.62% of the companies in the same industry are more expensive than BMO-PR-E, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BMO-PR-E to the average of the S&P500 Index (22.87), we can say BMO-PR-E is valued rather cheaply.
Industry RankSector Rank
PE 2.46
Fwd PE 2.02
BMO-PR-E.CA Price Earnings VS Forward Price EarningsBMO-PR-E.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BMO-PR-E is valued more expensive than 92.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 36.72
EV/EBITDA N/A
BMO-PR-E.CA Per share dataBMO-PR-E.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BMO-PR-E's earnings are expected to grow with 14.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)4.51
EPS Next 2Y16.51%
EPS Next 3Y14.34%

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5

5. Dividend

5.1 Amount

BMO-PR-E has a Yearly Dividend Yield of 3.65%.
BMO-PR-E's Dividend Yield is comparable with the industry average which is at 4.04.
Compared to an average S&P500 Dividend Yield of 2.38, BMO-PR-E pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.65%

5.2 History

The dividend of BMO-PR-E has a limited annual growth rate of 4.23%.
BMO-PR-E has been paying a dividend for over 5 years, so it has already some track record.
BMO-PR-E has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.23%
Div Incr Years1
Div Non Decr Years4
BMO-PR-E.CA Yearly Dividends per shareBMO-PR-E.CA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

BMO-PR-E pays out 60.03% of its income as dividend. This is not a sustainable payout ratio.
BMO-PR-E's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP60.03%
EPS Next 2Y16.51%
EPS Next 3Y14.34%
BMO-PR-E.CA Yearly Income VS Free CF VS DividendBMO-PR-E.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B
BMO-PR-E.CA Dividend Payout.BMO-PR-E.CA Dividend Payout, showing the Payout Ratio.BMO-PR-E.CA Dividend Payout.PayoutRetained Earnings

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BANK OF MONTREAL - BMO 6.816 PERP

TSX:BMO-PR-E (9/22/2025, 7:00:00 PM)

26.55

+0.1 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-26 2025-08-26/bmo
Earnings (Next)12-04 2025-12-04/amc
Inst Owners53.29%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap19.02B
Analysts66.67
Price Target26.11 (-1.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.65%
Yearly Dividend5.29
Dividend Growth(5Y)4.23%
DP60.03%
Div Incr Years1
Div Non Decr Years4
Ex-Date10-30 2025-10-30 (0.426)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.4%
Min EPS beat(2)2.34%
Max EPS beat(2)8.45%
EPS beat(4)3
Avg EPS beat(4)3.5%
Min EPS beat(4)-21.82%
Max EPS beat(4)25.04%
EPS beat(8)3
Avg EPS beat(8)-2.16%
EPS beat(12)4
Avg EPS beat(12)-3.32%
EPS beat(16)6
Avg EPS beat(16)-1.4%
Revenue beat(2)1
Avg Revenue beat(2)-0.52%
Min Revenue beat(2)-1.37%
Max Revenue beat(2)0.33%
Revenue beat(4)2
Avg Revenue beat(4)1.37%
Min Revenue beat(4)-1.37%
Max Revenue beat(4)7.39%
Revenue beat(8)2
Avg Revenue beat(8)-1.11%
Revenue beat(12)4
Avg Revenue beat(12)0.98%
Revenue beat(16)6
Avg Revenue beat(16)3.34%
PT rev (1m)-4.35%
PT rev (3m)-7.5%
EPS NQ rev (1m)4.2%
EPS NQ rev (3m)0.4%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)0.32%
Revenue NQ rev (3m)1.22%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)-0.01%
Valuation
Industry RankSector Rank
PE 2.46
Fwd PE 2.02
P/S 0.53
P/FCF 36.72
P/OCF 8.72
P/B 0.22
P/tB 0.29
EV/EBITDA N/A
EPS(TTM)10.79
EY40.64%
EPS(NY)13.15
Fwd EY49.55%
FCF(TTM)0.72
FCFY2.72%
OCF(TTM)3.04
OCFY11.46%
SpS50.1
BVpS121.06
TBVpS91.02
PEG (NY)0.13
PEG (5Y)4.51
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 9.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.12%
GM N/A
FCFM 1.44%
ROA(3y)0.65%
ROA(5y)0.65%
ROE(3y)10.78%
ROE(5y)10.79%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.54%
PM growth 5Y-0.59%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.69
Debt/FCF 455.97
Debt/EBITDA N/A
Cap/Depr 77.45%
Cap/Sales 4.63%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 6.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.1%
ROIC/WACCN/A
Cap/Depr(3y)83.95%
Cap/Depr(5y)78.69%
Cap/Sales(3y)4.93%
Cap/Sales(5y)4.5%
Profit Quality(3y)205.3%
Profit Quality(5y)443.25%
High Growth Momentum
Growth
EPS 1Y (TTM)1.79%
EPS 3Y-9.24%
EPS 5Y0.55%
EPS Q2Q%22.35%
EPS Next Y19.37%
EPS Next 2Y16.51%
EPS Next 3Y14.34%
EPS Next 5Y9.12%
Revenue 1Y (TTM)11.61%
Revenue growth 3Y6.45%
Revenue growth 5Y5.17%
Sales Q2Q%9.53%
Revenue Next Year10.89%
Revenue Next 2Y6.92%
Revenue Next 3Y5.59%
Revenue Next 5Y4.08%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-97.67%
FCF growth 3Y-13.92%
FCF growth 5Y-0.51%
OCF growth 1Y-90.87%
OCF growth 3Y-12.98%
OCF growth 5Y-0.19%