BANK OF MONTREAL (BMO)       97.83  +1.73 (+1.8%)

97.83  +1.73 (+1.8%)

CA0636711016 - Common Stock - After market: 97.7 -0.13 (-0.13%)


Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BMO. BMO was compared to 321 industry peers in the Banks industry. While BMO is still in line with the averages on profitability rating, there are some concerns on its financial health. BMO has a correct valuation and a medium growth rate.




Profitability

Profitability Rating

6

BMO's Return On Equity of 16.74% is amongst the best returns of the industry. BMO outperforms 85% of its industry peers. The industry average return on equity is 12.51%.
BMO's Profit Margin of 37.74% is amongst the best returns of the industry. BMO outperforms 86% of its industry peers. The industry average Profit Margin is 30.00%.

BMO has a Return On Assets of 1.05%. This is comparable to the industry average of 1.11%.
BMO has a Piotroski-F score of 4.00. This indicates an average health and profitability for BMO.
VS Industry

ROA (1.05%) VS Industry: 42% outperformed.

-1.10
7.44

ROE (16.74%) VS Industry: 85% outperformed.

2.49
50.88

Profit Margin (37.74%) VS Industry: 86% outperformed.

-34.82
51.79

Valuation

Valuation Rating

4

The Price/Earnings Ratio is 9.76, which indicates a very decent valuation of BMO.
The Forward Price/Earnings Ratio of 9.21 indicates a rather cheap valuation of BMO.
BMO's Price/Earning Ratio is in line with the industry average which is at 10.56.

When comparing the current price to the book value of BMO, we can conclude it is valued correctly. It is trading at 1.33 times its book value.
Compared to an average industry price book ratio of 1.25, BMO is valued in line with its industry peers.
The high PEG Ratio, which compensates the Price/Earnings for growth, indicates BMO does not grow enough to justify the current Price/Earnings ratio.
VS Industry

Price/Earnings (9.76) VS Industry: 60% outperformed.

445.00
0.30

Price/Book (1.33) VS Industry: 41% outperformed.

4.65
0.03

Growth

Growth Rating

5

The Earnings Per Share has grown by an nice 12.46% over the past year.
The Earnings Per Share has been growing by 11.50% on average over the past 5 years. This is quite good.
BMO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.71%.
The Earnings Per Share is expected to grow by 4.31% on average over the next 5 years.

The Revenue has been growing slightly by 5.21% on average over the past 5 years.
Based on estimates for the next 5 years, BMO will show a small growth in Revenue. The Revenue will grow by 6.23% on average per year.
The Revenue growth is stable: in the next 5 years the growth will be about the same than in the last 5 years.
When comparing the EPS growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is decreasing.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS11.5% 12.92% 12.46% 3.73% 5.21% 4.38% 4.31%
Revenue5.21% 5.88% 11.71% 5.94% 11.1% 8.46% 6.23%

Health

Health Rating

1

The Piotroski-F score of BMO is 4.00. This is a neutral score and indicates average health and profitability for BMO.

Compared to an average industry Debt to Equity Ratio of 0.17, BMO is more dependent on financing than its industry peers.
VS Industry

Debt/Equity (0.41) VS Industry: 22% outperformed.

3.83
0.00

Dividend

Dividend Rating

9

With a Yearly Dividend Yield of 4.20%, BMO is a good candidate for dividend investing.
BMO's Dividend Yield is rather good when compared to the industry average which is at 3.05. BMO pays more dividend than 81% of the companies in the same industry.
BMO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.47.
BMO pays out 24.15% of its income as dividend. This is a sustainable payout ratio.

BMO has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of BMO has a limited annual growth rate of 4.46%.
The dividend of BMO is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
VS Industry

Dividend Yield (4.2%) VS Industry: 81% outperformed.

0.09
20.35
BMO Daily chart

BANK OF MONTREAL97.83

NYSE:BMO (11/30/2022, 7:22:22 PM)+1.73 (+1.8%)

After market: 97.7 -0.13 (-0.13%)

Chartmill FA Rating
GICS Sector Financials
GICS IndustryGroup Banks
GICS Industry Banks
Earnings (Last) 08-30 2022-08-30/bmo Earnings (Next) 12-01 2022-12-01/bmo
Ins Owners N/A Inst Owners 44.29%
Market Cap 65.98B Analysts 76.84
Valuation
PE 9.76 Fwd PE 9.21
PEG (NY) 2.62 PEG (5Y) 0.85
P/S 3 P/B 1.33
EV/EBITDA N/A
Dividend
Dividend Yield 4.2% Dividend Growth 4.46%
DP 24.15% Ex-Date 10-31 2022-10-31 (1.39)
Growth
EPS 1Y 12.46% EPS 3Y 12.92%
EPS 5Y 11.5% EPS growth Q2Q -10.17%
EPS Next Y 3.73% EPS Next 2Y 5.21%
EPS Next 3Y 4.38% EPS Next 5Y 4.31%
Revenue growth 1Y 11.71% Revenue growth 3Y 5.88%
Revenue growth 5Y 5.21% Revenue growth Q2Q -19.35%
Revenue Next Year 5.94% Revenue Next 2Y 11.1%
Revenue Next 3Y 8.46% Revenue Next 5Y 6.23%
Health
Current Ratio N/A Quick Ratio N/A
Altman-Z N/A F-Score 4
Debt/Equity 0.41 WACC 5.76%
ROIC/WACC N/A
Profitability
ROA 1.05% ROE 16.74%
ROICexgc N/A ROIC N/A
PM 37.74% OM N/A
Asset Turnover 0.03

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