BANK OF MONTREAL (BMO) Fundamental Analysis & Valuation

NYSE:BMO • CA0636711016

Current stock price

141 USD
+2.83 (+2.05%)
At close:
141 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.
  • BMO had a positive operating cash flow in the past year.
  • BMO had positive earnings in each of the past 5 years.
  • 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

  • With a Return On Assets value of 0.59%, BMO is not doing good in the industry: 79.74% of the companies in the same industry are doing better.
  • BMO has a better Return On Equity (10.05%) than 60.53% of its industry peers.
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

  • BMO's Profit Margin of 23.38% is in line compared to the rest of the industry. BMO outperforms 40.53% of its industry peers.
  • In the last couple of years the Profit Margin of BMO has grown nicely.
  • 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

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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.
  • BMO has more shares outstanding than it did 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.
  • The Debt to FCF ratio of BMO (45.01) is worse than 85.53% of its industry peers.
  • BMO has a Debt/Equity ratio of 2.82. This is a high value indicating a heavy dependency on external financing.
  • BMO has a Debt to Equity ratio of 2.82. This is amonst the worse of the industry: BMO underperforms 92.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.82
Debt/FCF 45.01
Altman-Z N/A
ROIC/WACCN/A
WACC13.75%
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

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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.
  • Measured over the past years, BMO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.56% on average per year.
  • Looking at the last year, BMO shows a small growth in Revenue. The Revenue has grown by 7.10% in the last year.
  • BMO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.57% yearly.
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 3.85% yearly.
EPS Next Y17.43%
EPS Next 2Y15.6%
EPS Next 3Y13.55%
EPS Next 5Y5.35%
Revenue Next Year7.45%
Revenue Next 2Y5.85%
Revenue Next 3Y4.53%
Revenue Next 5Y3.85%

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

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3

4. BMO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.56, which indicates a correct valuation of BMO.
  • BMO's Price/Earnings ratio is a bit more expensive when compared to the industry. BMO is more expensive than 74.21% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BMO to the average of the S&P500 Index (26.91), we can say BMO is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 12.06, which indicates a correct valuation of BMO.
  • 61.84% 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 23.69. BMO is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.56
Fwd PE 12.06
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

  • BMO's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BMO is more expensive than 77.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 25.46
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.
  • A more expensive valuation may be justified as BMO's earnings are expected to grow with 13.55% in the coming years.
PEG (NY)0.89
PEG (5Y)1.63
EPS Next 2Y15.6%
EPS Next 3Y13.55%

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

5

5. BMO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.65%, BMO has a reasonable but not impressive dividend return.
  • BMO's Dividend Yield is a higher than the industry average which is at 2.73.
  • BMO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.65%

5.2 History

  • The dividend of BMO is nicely growing with an annual growth rate of 12.66%!
  • BMO has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of BMO decreased 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.
  • The dividend of BMO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP58.82%
EPS Next 2Y15.6%
EPS Next 3Y13.55%
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

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BMO Fundamentals: All Metrics, Ratios and Statistics

BANK OF MONTREAL

NYSE:BMO (4/8/2026, 8:18:35 PM)

After market: 141 0 (0%)

141

+2.83 (+2.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)05-27
Inst Owners55.28%
Inst Owner Change0%
Ins Owners0.04%
Ins Owner Change0%
Market Cap99.58B
Revenue(TTM)36.83B
Net Income(TTM)8.61B
Analysts66.32
Price Target147.07 (4.3%)
Short Float %0.55%
Short Ratio4.3
Dividend
Industry RankSector Rank
Dividend Yield 3.65%
Yearly Dividend5.03
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)0%
PT rev (3m)7.79%
EPS NQ rev (1m)-0.26%
EPS NQ rev (3m)4.82%
EPS NY rev (1m)0%
EPS NY rev (3m)4.18%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)2.63%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)2.28%
Valuation
Industry RankSector Rank
PE 15.56
Fwd PE 12.06
P/S 3.76
P/FCF 25.46
P/OCF 19.33
P/B 1.62
P/tB 2.16
EV/EBITDA N/A
EPS(TTM)9.06
EY6.43%
EPS(NY)11.69
Fwd EY8.29%
FCF(TTM)5.54
FCFY3.93%
OCF(TTM)7.3
OCFY5.17%
SpS37.49
BVpS87.23
TBVpS65.21
PEG (NY)0.89
PEG (5Y)1.63
Graham Number133.35
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
WACC13.75%
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 Y17.43%
EPS Next 2Y15.6%
EPS Next 3Y13.55%
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 5Y3.85%
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 17.43% 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%.