BANK OF MONTREAL (BMO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BMO - CA0636711016 - Common Stock
136.39 USD
+1.53 (+1.13%)
136.39 USD
0 (0%)
BMO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. BMO may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, BMO is valued expensive at the moment.
1. Profitability
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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.56%, BMO is doing worse than 73.63% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 9.40%, BMO is in line with its industry, outperforming 55.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 9.4% | ||
| 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
1.3 Margins
- BMO's Profit Margin of 22.81% is in line compared to the rest of the industry. BMO outperforms 42.82% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.81% | ||
| 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
2. Health
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.
- Compared to 1 year ago, BMO has a worse debt to assets ratio.
2.2 Solvency
- BMO has a debt to FCF ratio of 29.36. This is a negative value and a sign of low solvency as BMO would need 29.36 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 29.36, BMO is doing worse than 83.55% of the companies in the same industry.
- A Debt/Equity ratio of 2.79 is on the high side and indicates that BMO has dependencies on debt financing.
- BMO has a worse Debt to Equity ratio (2.79) than 91.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.79 | ||
| Debt/FCF | 29.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 25.59% 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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.61%.
- The Revenue has been growing slightly by 7.57% on average over the past years.
EPS 1Y (TTM)25.59%
EPS 3Y-2.79%
EPS 5Y9.56%
EPS Q2Q%72.63%
Revenue 1Y (TTM)10.61%
Revenue growth 3Y2.47%
Revenue growth 5Y7.57%
Sales Q2Q%11.63%
3.2 Future
- The Earnings Per Share is expected to grow by 5.35% on average over the next years.
- Based on estimates for the next years, BMO will show a small growth in Revenue. The Revenue will grow by 3.91% on average per year.
EPS Next Y12.71%
EPS Next 2Y13.1%
EPS Next 3Y11.65%
EPS Next 5Y5.35%
Revenue Next Year5.06%
Revenue Next 2Y5.01%
Revenue Next 3Y4.53%
Revenue Next 5Y3.91%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 15.57, which indicates a correct valuation of BMO.
- Compared to the rest of the industry, the Price/Earnings ratio of BMO indicates a slightly more expensive valuation: BMO is more expensive than 68.15% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of BMO to the average of the S&P500 Index (27.38), we can say BMO is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 13.81, BMO is valued correctly.
- BMO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BMO is more expensive than 69.71% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, BMO is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.57 | ||
| Fwd PE | 13.81 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of BMO indicates a slightly more expensive valuation: BMO is more expensive than 65.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.22
PEG (5Y)1.63
EPS Next 2Y13.1%
EPS Next 3Y11.65%
5. Dividend
5.1 Amount
- BMO has a Yearly Dividend Yield of 3.56%.
- BMO's Dividend Yield is a higher than the industry average which is at 2.87.
- Compared to an average S&P500 Dividend Yield of 1.85, BMO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
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.
- BMO has decreased its dividend recently.
Dividend Growth(5Y)12.66%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- 60.81% of the earnings are spent on dividend by BMO. This is not a sustainable payout ratio.
- The dividend of BMO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.81%
EPS Next 2Y13.1%
EPS Next 3Y11.65%
136.39
+1.53 (+1.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)12-04 2025-12-04/bmo
Earnings (Next)02-23 2026-02-23
Inst Owners55.35%
Inst Owner Change0.02%
Ins Owners0.04%
Ins Owner Change0%
Market Cap97.06B
Revenue(TTM)36.27B
Net Income(TTM)8.27B
Analysts65.26
Price Target135.81 (-0.43%)
Short Float %0.71%
Short Ratio7.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
Yearly Dividend5.04
Dividend Growth(5Y)12.66%
DP60.81%
Div Incr Years1
Div Non Decr Years1
Ex-Date01-30 2026-01-30 (1.67)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.74%
Min EPS beat(2)7.03%
Max EPS beat(2)8.45%
EPS beat(4)4
Avg EPS beat(4)10.72%
Min EPS beat(4)2.34%
Max EPS beat(4)25.04%
EPS beat(8)4
Avg EPS beat(8)-0.97%
EPS beat(12)5
Avg EPS beat(12)-2.57%
EPS beat(16)6
Avg EPS beat(16)-1.13%
Revenue beat(2)2
Avg Revenue beat(2)1.47%
Min Revenue beat(2)0.33%
Max Revenue beat(2)2.6%
Revenue beat(4)3
Avg Revenue beat(4)2.24%
Min Revenue beat(4)-1.37%
Max Revenue beat(4)7.39%
Revenue beat(8)3
Avg Revenue beat(8)-0.25%
Revenue beat(12)4
Avg Revenue beat(12)-2.85%
Revenue beat(16)7
Avg Revenue beat(16)3.65%
PT rev (1m)2.75%
PT rev (3m)8.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.23%
EPS NY rev (1m)0.68%
EPS NY rev (3m)1.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.84%
Revenue NY rev (1m)1.82%
Revenue NY rev (3m)1.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.57 | ||
| Fwd PE | 13.81 | ||
| P/S | 3.72 | ||
| P/FCF | 15.84 | ||
| P/OCF | 13.16 | ||
| P/B | 1.53 | ||
| P/tB | 2.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.76
EY6.42%
EPS(NY)9.88
Fwd EY7.24%
FCF(TTM)8.61
FCFY6.31%
OCF(TTM)10.36
OCFY7.6%
SpS36.7
BVpS89.09
TBVpS67.28
PEG (NY)1.22
PEG (5Y)1.63
Graham Number132.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 9.4% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.81% | ||
| GM | N/A | ||
| FCFM | 23.46% |
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-Score7
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.79 | ||
| Debt/FCF | 29.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 79.31% | ||
| Cap/Sales | 4.77% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 102.88% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.88%
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)25.59%
EPS 3Y-2.79%
EPS 5Y9.56%
EPS Q2Q%72.63%
EPS Next Y12.71%
EPS Next 2Y13.1%
EPS Next 3Y11.65%
EPS Next 5Y5.35%
Revenue 1Y (TTM)10.61%
Revenue growth 3Y2.47%
Revenue growth 5Y7.57%
Sales Q2Q%11.63%
Revenue Next Year5.06%
Revenue Next 2Y5.01%
Revenue Next 3Y4.53%
Revenue Next 5Y3.91%
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-66.14%
FCF growth 3Y34.36%
FCF growth 5Y-29.77%
OCF growth 1Y-61.65%
OCF growth 3Y27.36%
OCF growth 5Y-27.42%
BANK OF MONTREAL / BMO FAQ
What is the ChartMill fundamental rating of BANK OF MONTREAL (BMO) stock?
ChartMill assigns a fundamental rating of 2 / 10 to BMO.
What is the valuation status for BMO stock?
ChartMill assigns a valuation rating of 2 / 10 to BANK OF MONTREAL (BMO). This can be considered as Overvalued.
What is the profitability of BMO stock?
BANK OF MONTREAL (BMO) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for BMO stock?
The Price/Earnings (PE) ratio for BANK OF MONTREAL (BMO) is 15.57 and the Price/Book (PB) ratio is 1.53.
What is the financial health of BANK OF MONTREAL (BMO) stock?
The financial health rating of BANK OF MONTREAL (BMO) is 0 / 10.