BANK OF MONTREAL (BMO) Fundamental Analysis & Valuation

NYSE:BMO • CA0636711016

Current stock price

152.49 USD
+0.39 (+0.26%)
At close:
152.49 USD
0 (0%)
After Hours:

This BMO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BMO Profitability Analysis

1.1 Basic Checks

  • In the past year BMO was profitable.
  • In the past year BMO had a positive cash flow from operations.
  • In the past 5 years BMO has always been profitable.
  • Each year in the past 5 years BMO had a positive operating cash flow.
BMO Yearly Net Income VS EBIT VS OCF VS FCFBMO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B 40B 50B

1.2 Ratios

  • The Return On Assets of BMO (0.59%) is worse than 80.32% of its industry peers.
  • The Return On Equity of BMO (10.05%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.59%
ROE 10.05%
ROIC N/A
ROA(3y)0.45%
ROA(5y)0.66%
ROE(3y)7.67%
ROE(5y)10.96%
ROIC(3y)N/A
ROIC(5y)N/A
BMO Yearly ROA, ROE, ROICBMO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of BMO (23.38%) is worse than 60.64% of its industry peers.
  • BMO's Profit Margin has improved in the last couple of years.
  • BMO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.71%
PM growth 5Y3.44%
GM growth 3YN/A
GM growth 5YN/A
BMO Yearly Profit, Operating, Gross MarginsBMO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. BMO Health Analysis

2.1 Basic Checks

  • BMO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BMO has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for BMO has been increased compared to 5 years ago.
  • BMO has a worse debt/assets ratio than last year.
BMO Yearly Shares OutstandingBMO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
BMO Yearly Total Debt VS Total AssetsBMO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T

2.2 Solvency

  • The Debt to FCF ratio of BMO is 45.01, which is on the high side as it means it would take BMO, 45.01 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 45.01, BMO is not doing good in the industry: 86.97% of the companies in the same industry are doing better.
  • BMO has a Debt/Equity ratio of 2.82. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.82, BMO is doing worse than 93.09% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.82
Debt/FCF 45.01
Altman-Z N/A
ROIC/WACCN/A
WACC13.67%
BMO Yearly LT Debt VS Equity VS FCFBMO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B 60B 80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BMO Yearly Current Assets VS Current LiabilitesBMO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. BMO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 23.99% over the past year.
  • The Earnings Per Share has been growing by 9.56% on average over the past years. This is quite good.
  • BMO shows a small growth in Revenue. In the last year, the Revenue has grown by 7.10%.
  • The Revenue has been growing slightly by 7.57% on average over the past years.
EPS 1Y (TTM)23.99%
EPS 3Y-2.79%
EPS 5Y9.56%
EPS Q2Q%14.47%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y2.47%
Revenue growth 5Y7.57%
Sales Q2Q%6.02%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.35% on average over the next years.
  • BMO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.77% yearly.
EPS Next Y17.7%
EPS Next 2Y15.72%
EPS Next 3Y13.23%
EPS Next 5Y5.35%
Revenue Next Year7.45%
Revenue Next 2Y5.85%
Revenue Next 3Y4.53%
Revenue Next 5Y3.77%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BMO Yearly Revenue VS EstimatesBMO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B 40B
BMO Yearly EPS VS EstimatesBMO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

3

4. BMO Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.52, BMO is valued correctly.
  • BMO's Price/Earnings ratio is a bit more expensive when compared to the industry. BMO is more expensive than 77.13% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BMO to the average of the S&P500 Index (26.64), we can say BMO is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 12.79 indicates a correct valuation of BMO.
  • 70.74% of the companies in the same industry are cheaper than BMO, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 21.36. BMO is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.52
Fwd PE 12.79
BMO Price Earnings VS Forward Price EarningsBMO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 79.26% of the companies in the same industry are cheaper than BMO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 27.05
EV/EBITDA N/A
BMO Per share dataBMO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • BMO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BMO's earnings are expected to grow with 13.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.93
PEG (5Y)1.73
EPS Next 2Y15.72%
EPS Next 3Y13.23%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BMO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.22%, BMO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, BMO pays a bit more dividend than its industry peers.
  • BMO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.22%

5.2 History

  • The dividend of BMO is nicely growing with an annual growth rate of 12.66%!
  • BMO has been paying a dividend for at least 10 years, so it has a reliable track record.
  • BMO has decreased its dividend in the last 3 years.
Dividend Growth(5Y)12.66%
Div Incr Years2
Div Non Decr Years2
BMO Yearly Dividends per shareBMO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • BMO pays out 58.82% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • BMO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP58.82%
EPS Next 2Y15.72%
EPS Next 3Y13.23%
BMO Yearly Income VS Free CF VS DividendBMO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B 40B
BMO Dividend Payout.BMO Dividend Payout, showing the Payout Ratio.BMO Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

BMO Fundamentals: All Metrics, Ratios and Statistics

BANK OF MONTREAL

NYSE:BMO (5/1/2026, 6:40:00 PM)

After market: 152.49 0 (0%)

152.49

+0.39 (+0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength48.82
Industry Growth91.79
Earnings (Last)02-25
Earnings (Next)05-27
Inst Owners55.22%
Inst Owner Change-0.02%
Ins Owners0.03%
Ins Owner Change0%
Market Cap107.69B
Revenue(TTM)36.83B
Net Income(TTM)8.61B
Analysts66.32
Price Target153.33 (0.55%)
Short Float %0.74%
Short Ratio6.71
Dividend
Industry RankSector Rank
Dividend Yield 3.22%
Yearly Dividend5.11
Dividend Growth(5Y)12.66%
DP58.82%
Div Incr Years2
Div Non Decr Years2
Ex-Date04-29
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.35%
Min EPS beat(2)7.03%
Max EPS beat(2)7.67%
EPS beat(4)4
Avg EPS beat(4)6.37%
Min EPS beat(4)2.34%
Max EPS beat(4)8.45%
EPS beat(8)5
Avg EPS beat(8)1.99%
EPS beat(12)5
Avg EPS beat(12)-1.99%
EPS beat(16)6
Avg EPS beat(16)-1.74%
Revenue beat(2)2
Avg Revenue beat(2)2.82%
Min Revenue beat(2)2.6%
Max Revenue beat(2)3.03%
Revenue beat(4)3
Avg Revenue beat(4)1.15%
Min Revenue beat(4)-1.37%
Max Revenue beat(4)3.03%
Revenue beat(8)4
Avg Revenue beat(8)1.04%
Revenue beat(12)5
Avg Revenue beat(12)-0.04%
Revenue beat(16)7
Avg Revenue beat(16)2.87%
PT rev (1m)4.26%
PT rev (3m)12.9%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)4.26%
EPS NY rev (1m)0.24%
EPS NY rev (3m)4.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.63%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)2.28%
Valuation
Industry RankSector Rank
PE 16.52
Fwd PE 12.79
P/S 4
P/FCF 27.05
P/OCF 20.53
P/B 1.72
P/tB 2.3
EV/EBITDA N/A
EPS(TTM)9.23
EY6.05%
EPS(NY)11.92
Fwd EY7.82%
FCF(TTM)5.64
FCFY3.7%
OCF(TTM)7.43
OCFY4.87%
SpS38.16
BVpS88.79
TBVpS66.38
PEG (NY)0.93
PEG (5Y)1.73
Graham Number135.791 (-10.95%)
Profitability
Industry RankSector Rank
ROA 0.59%
ROE 10.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.38%
GM N/A
FCFM 14.77%
ROA(3y)0.45%
ROA(5y)0.66%
ROE(3y)7.67%
ROE(5y)10.96%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.71%
PM growth 5Y3.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.82
Debt/FCF 45.01
Debt/EBITDA N/A
Cap/Depr 79.15%
Cap/Sales 4.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 63.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.67%
ROIC/WACCN/A
Cap/Depr(3y)77.78%
Cap/Depr(5y)80.03%
Cap/Sales(3y)5.09%
Cap/Sales(5y)4.64%
Profit Quality(3y)219.61%
Profit Quality(5y)251.73%
High Growth Momentum
Growth
EPS 1Y (TTM)23.99%
EPS 3Y-2.79%
EPS 5Y9.56%
EPS Q2Q%14.47%
EPS Next Y17.7%
EPS Next 2Y15.72%
EPS Next 3Y13.23%
EPS Next 5Y5.35%
Revenue 1Y (TTM)7.1%
Revenue growth 3Y2.47%
Revenue growth 5Y7.57%
Sales Q2Q%6.02%
Revenue Next Year7.45%
Revenue Next 2Y5.85%
Revenue Next 3Y4.53%
Revenue Next 5Y3.77%
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 1Y34.45%
FCF growth 3Y34.36%
FCF growth 5Y-29.77%
OCF growth 1Y24.68%
OCF growth 3Y27.36%
OCF growth 5Y-27.42%

BANK OF MONTREAL / BMO Fundamental Analysis FAQ

What is the ChartMill fundamental rating of BANK OF MONTREAL (BMO) stock?

ChartMill assigns a fundamental rating of 3 / 10 to BMO.


What is the valuation status for BMO stock?

ChartMill assigns a valuation rating of 3 / 10 to BANK OF MONTREAL (BMO). This can be considered as Overvalued.


How profitable is BANK OF MONTREAL (BMO) stock?

BANK OF MONTREAL (BMO) has a profitability rating of 3 / 10.


What is the earnings growth outlook for BANK OF MONTREAL?

The Earnings per Share (EPS) of BANK OF MONTREAL (BMO) is expected to grow by 17.7% in the next year.


How sustainable is the dividend of BANK OF MONTREAL (BMO) stock?

The dividend rating of BANK OF MONTREAL (BMO) is 5 / 10 and the dividend payout ratio is 58.82%.