Bank of Montreal(BMO)Earnings, Financials & Key Ratios
BMO•NYSE•Banking & Credit
$155.02
$109.89B mkt cap·18.4× P/E·Price updated May 6, 2026
AboutBank of Montreal provides diversified financial services primarily in North America. The company's personal banking products and services include checking and savings accounts, credit cards, mortgages, and financial and investment advice services; and commercial banking products and services comprise business deposit accounts, commercial credit cards, business loans and commercial mortgages, cash management solutions, foreign exchange, specialized banking programs, treasury and payment solutions, and risk management products for small business and commercial banking customers. It also offers investment and wealth advisory services; digital investing services; financial services and solutions; and investment management, and trust and custody services. In addition, the company provides life insurance, accident and sickness insurance, and annuity products; creditor and travel insurance to bank customers; and reinsurance solutions. Further, it offers client's debt and equity capital-raising services, as well as loan origination and syndication, and treasury management; strategic advice on mergers and acquisitions, restructurings, and recapitalizations, as well as valuation and fairness opinions; and trade finance, risk mitigation, and other operating services. Additionally, the company provides research and access to markets for institutional, corporate, and retail clients; trading solutions that include debt, foreign exchange, interest rate, credit, equity, securitization and commodities; new product development and origination services, as well as risk management advice and services to hedge against fluctuations; and funding and liquidity management services to its clients. It operates through approximately 900 bank branches and 3,300 automated banking machines in Canada and the United States. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.Show more
- Net Interest Income$21.49B+10.4%
- Total Revenue$78.15B-0.5%
- Net Income$8.71B+19.0%
- Return on Equity10.1%+10.7%
- Net Interest Margin1.45%+5.4%
- Efficiency Ratio26.78%+12.3%
- ROA0.6%+13.7%
- Equity / Assets5.97%-0.2%
- Book Value per Share121.81+5.3%
- Tangible BV/Share92.01+7.1%
- Debt/Equity4.71+6.4%
BMO Key Insights
Bank of Montreal (BMO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 26.8% efficiency ratio
- ✓Healthy dividend yield of 3.3%
- ✓Trading near 52-week high
✗Weaknesses
- ✗High debt to equity ratio of 4.7x
- ✗Weak NIM of 1.5%
- ✗Thin capital base
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
BMO Price & Volume
Bank of Montreal (BMO) stock price & volume — 10-year historical chart
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BMO Growth Metrics
Bank of Montreal (BMO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years12.73%
5 Years17.86%
3 Years27.99%
TTM-
Profit CAGR
10 Years7.14%
5 Years11.31%
3 Years-13.67%
TTM11.06%
EPS CAGR
10 Years5.7%
5 Years8.67%
3 Years-16.98%
TTM12.61%
Return on Capital
10 Years3.64%
5 Years3.89%
3 Years2.75%
Last Year3.38%
BMO Recent Earnings
Bank of Montreal (BMO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 11/12 qtrs (92%)
Q1 2026Latest
Feb 25, 2026EPS
$2.51
Est $2.35
+6.8%
Revenue
$7.2B
Est $7.0B
+3.2%
Q4 2025
Dec 4, 2025EPS
$2.36
Est $2.16
+9.3%
Revenue
$9.3B
Est $6.7B
+37.7%
Q3 2025
Aug 26, 2025EPS
$2.33
Est $2.12
+9.9%
Revenue
$8.9B
Est $6.5B
+36.8%
Q2 2025
May 28, 2025EPS
$1.84
Est $1.84
+0.0%
Revenue
$8.7B
Est $6.4B
+34.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 25, 2026 | $2.51vs $2.35+6.8% | $7.2Bvs $7.0B+3.2% |
| Q4 2025 | Dec 4, 2025 | $2.36vs $2.16+9.3% | $9.3Bvs $6.7B+37.7% |
| Q3 2025 | Aug 26, 2025 | $2.33vs $2.12+9.9% | $8.9Bvs $6.5B+36.8% |
| Q2 2025 | May 28, 2025 | $1.84vs $1.84+0.0% | $8.7Bvs $6.4B+34.9% |
Based on last 12 quarters of dataView full earnings history →
BMO Peer Comparison
Bank of Montreal (BMO) competitors in North American universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TD | 182.1B | 108.60 | 12.76 | -2.8% | 16.07% | 5.19 | ||
 RY | 254.32B | 181.63 | 17.51 | 2.13% | 14.63% | 6.00 | ||
 BNS | 96.99B | 78.45 | 18.73 | 148.2% | 8.79% | 5.69 | ||
 CM | 103.98B | 112.22 | 17.79 | -3.14% | 13.09% | 5.52 | ||
 MFC | 67.02B | 39.97 | 17.69 | 9.38% | 6.96% | 11.2% | 0.28 | |
 USB | 87.33B | 56.16 | 12.18 | 0.35% | 11.54% | 1.19 | ||
 PNC | 89.93B | 222.42 | 16.19 | 5.62% | 11.05% | 1.13 | ||
 TFC | 66.85B | 50.80 | 15.12 | -19.02% | 7.97% | 0.98 |
Compare BMO vs Peers
Bank of Montreal (BMO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BMO Income Statement
Bank of Montreal (BMO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 11.28B | 11.44B | 12.89B | 13.97B | 14.31B | 15.88B | 18.68B | 19.47B | 21.49B | 21.74B |
| NII Growth % | 14.21% | 1.45% | 12.68% | 8.4% | 2.43% | 11.01% | 17.6% | 4.21% | 10.37% | 33.3% |
| Net Interest Margin % | 1.59% | 1.48% | 1.51% | 1.47% | 1.45% | 1.39% | 1.39% | 1.38% | 1.45% | 1.49% |
| Interest Income | 17.41B | 21.04B | 26.15B | 23.32B | 19.89B | 26.9B | 55.57B | 65.98B | 63.54B | 62.1B |
| Interest Expense | 6.14B | 9.6B | 13.26B | 9.34B | 5.58B | 11.01B | 36.89B | 46.52B | 42.05B | 40.36B |
| Loan Loss Provision | 746M | 662M | 872M | 2.95B | 20M | 313M | 1.47B | 3.76B | 3.62B | 3.35B |
| Non-Interest Income | 10.45B | 11.3B | 12.44B | 11.05B | 12.6B | 10.37B | 12.43B | 12.57B | 14.61B | 4.68B |
| Non-Interest Income % | 37.5% | 34.95% | 32.24% | 32.16% | 38.78% | 27.83% | 18.28% | 16% | 18.7% | 7.01% |
| Total Revenue | 27.86B▲ 0% | 32.34B▲ 16.1% | 38.6B▲ 19.4% | 34.37B▼ 11.0% | 32.49B▼ 5.5% | 37.27B▲ 14.7% | 68.01B▲ 82.5% | 78.56B▲ 15.5% | 78.15B▼ 0.5% | 66.78B▲ 0% |
| Revenue Growth % | 9.41% | 16.07% | 19.36% | -10.95% | -5.48% | 14.73% | 82.47% | 15.51% | -0.52% | -65.86% |
| Non-Interest Expense | 14.34B | 14.66B | 17.19B | 15.72B | 16.63B | 8.06B | 23.7B | 18.75B | 20.93B | 20.75B |
| Efficiency Ratio | 51.49% | 45.34% | 44.53% | 45.75% | 51.19% | 21.63% | 34.84% | 23.86% | 26.78% | 31.06% |
| Operating Income | 6.63B▲ 0% | 7.41B▲ 11.8% | 7.27B▼ 1.9% | 6.35B▼ 12.7% | 10.26B▲ 61.6% | 17.89B▲ 74.4% | 5.95B▼ 66.8% | 9.54B▲ 60.3% | 11.55B▲ 21.1% | 12.61B▲ 0% |
| Operating Margin % | 23.8% | 22.93% | 18.84% | 18.47% | 31.58% | 47.99% | 8.74% | 12.14% | 14.78% | 18.88% |
| Operating Income Growth % | 15.68% | 11.81% | -1.92% | -12.71% | 61.59% | 74.36% | -66.75% | 60.33% | 21.13% | - |
| Pretax Income | 6.63B▲ 0% | 7.41B▲ 11.8% | 7.27B▼ 1.9% | 6.35B▼ 12.7% | 10.26B▲ 61.6% | 17.89B▲ 74.4% | 5.95B▼ 66.8% | 9.54B▲ 60.3% | 11.55B▲ 21.1% | 12.05B▲ 0% |
| Pretax Margin % | 23.8% | 22.93% | 18.84% | 18.47% | 31.58% | 47.99% | 8.74% | 12.14% | 14.78% | 18.04% |
| Income Tax | 1.29B | 1.96B | 1.51B | 1.25B | 2.5B | 4.35B | 1.51B | 2.21B | 2.83B | 2.97B |
| Effective Tax Rate % | 19.48% | 26.45% | 20.82% | 19.71% | 24.41% | 24.32% | 25.39% | 23.16% | 24.46% | 24.66% |
| Net Income | 5.34B▲ 0% | 5.45B▲ 2.2% | 5.76B▲ 5.6% | 5.1B▼ 11.5% | 7.75B▲ 52.1% | 13.54B▲ 74.6% | 4.42B▼ 67.3% | 7.32B▲ 65.4% | 8.71B▲ 19.0% | 9.06B▲ 0% |
| Net Margin % | 19.16% | 16.86% | 14.92% | 14.83% | 23.87% | 36.32% | 6.51% | 9.32% | 11.14% | 13.57% |
| Net Income Growth % | 15.47% | 2.17% | 5.59% | -11.48% | 52.13% | 74.58% | -67.31% | 65.38% | 19.01% | 11.06% |
| Net Income (Continuing) | 5.34B | 5.45B | 5.76B | 5.1B | 7.75B | 13.54B | 4.44B | 7.33B | 8.72B | 9.08B |
| EPS (Diluted) | 7.92▲ 0% | 8.17▲ 3.2% | 8.66▲ 6.0% | 7.55▼ 12.8% | 11.58▲ 53.4% | 19.99▲ 72.6% | 5.76▼ 71.2% | 9.51▲ 65.1% | 11.44▲ 20.3% | 12.76▲ 0% |
| EPS Growth % | 14.45% | 3.16% | 6% | -12.82% | 53.38% | 72.63% | -71.19% | 65.1% | 20.29% | 12.61% |
| EPS (Basic) | 7.95 | 8.19 | 8.68 | 7.56 | 11.60 | 20.04 | 5.77 | 9.53 | 11.46 | - |
| Diluted Shares Outstanding | 651.96M | 644.91M | 640.36M | 642.13M | 648.68M | 665.71M | 710.51M | 728.53M | 723.27M | 710.17M |
BMO Balance Sheet
Bank of Montreal (BMO) balance sheet — assets, liabilities & shareholders' equity
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 93.16B | 112.89B | 121.31B | 139.85B | 164.69B | 136.76B | 144.86B | 113.53B | 104.16B | 447.89B |
| Cash & Due from Banks | 39.09B | 50.45B | 56.79B | 66.44B | 101.56B | 93.2B | 82.04B | 68.74B | 70.32B | 67.29B |
| Short Term Investments | 54.08B | 62.44B | 64.52B | 73.41B | 63.12B | 43.56B | 62.82B | 44.79B | 33.84B | 0 |
| Total Investments | 452.55B | 490.65B | 551.88B | 620.73B | 623.57B | 764.93B | 894.92B | 961.66B | 980.92B | 0 |
| Investments Growth % | -2.54% | 8.42% | 12.48% | 12.48% | 0.46% | 22.67% | 16.99% | 7.46% | 2% | -90.17% |
| Long-Term Investments | 398.47B | 428.21B | 487.36B | 547.32B | 560.45B | 721.37B | 832.1B | 916.87B | 947.08B | 2.64T |
| Accounts Receivables | 7.74B | 4.48B | 4.63B | 4.69B | 5.11B | 6.67B | 62.91B | 40.21B | 52.21B | 0 |
| Goodwill & Intangibles | 8.4B | 8.64B | 8.76B | 8.98B | 7.64B | 7.48B | 21.94B | 21.7B | 21.55B | 21.63B |
| Goodwill | 6.24B | 6.37B | 6.34B | 6.54B | 5.38B | 5.29B | 16.73B | 16.77B | 16.8B | 16.62B |
| Intangible Assets | 2.16B | 2.27B | 2.42B | 2.44B | 2.27B | 2.19B | 5.22B | 4.92B | 4.76B | 5.01B |
| PP&E (Net) | 2.96B | 2.92B | 2.92B | 4.86B | 4.87B | 5.1B | 6.37B | 6.32B | 6.28B | 6.14B |
| Other Assets | 194.6B | 212.59B | 224.47B | 240.83B | 242.54B | 259.22B | 273.36B | 305.78B | 340.82B | 1.43T |
| Total Current Assets | 102.28B | 118.88B | 127.1B | 145.8B | 171.38B | 144.85B | 209.82B | 155.96B | 158.34B | 0 |
| Total Non-Current Assets | 607.3B | 654.41B | 725.09B | 803.46B | 816.79B | 994.34B | 1.14T | 1.25T | 1.32T | 1.46T |
| Total Assets | 709.58B▲ 0% | 773.29B▲ 9.0% | 852.2B▲ 10.2% | 949.26B▲ 11.4% | 988.17B▲ 4.1% | 1.14T▲ 15.3% | 1.35T▲ 18.2% | 1.41T▲ 4.7% | 1.48T▲ 4.8% | 1.46T▲ 0% |
| Asset Growth % | 3.15% | 8.98% | 10.2% | 11.39% | 4.1% | 15.28% | 18.24% | 4.65% | 4.76% | 11.12% |
| Return on Assets (ROA) | 0.76% | 0.74% | 0.71% | 0.57% | 0.8% | 1.27% | 0.36% | 0.53% | 0.6% | 0.62% |
| Accounts Payable | 11.11B | 11.44B | 12.51B | 12.54B | 13.82B | 16.49B | 71.05B | 52.19B | 62.9B | 0 |
| Total Debt | 224.69B | 230.48B | 281.79B | 275.67B | 287.36B | 326.6B | 354.84B | 373.23B | 415.19B | 129.02B |
| Net Debt | 185.61B | 180.03B | 225B | 209.23B | 185.8B | 233.4B | 272.8B | 304.49B | 344.87B | 61.73B |
| Long-Term Debt | 102.4B | 91.32B | 127.25B | 119.64B | 100.78B | 123.73B | 136.69B | 152.28B | 163.57B | 129.02B |
| Short-Term Debt | 122.3B | 139.16B | 154.54B | 153.63B | 183.84B | 200.03B | 214.64B | 217.63B | 248.31B | 0 |
| Other Liabilities | 65.73B | 67.81B | 73.34B | 65.24B | 66.26B | 99.09B | 100.23B | 93.05B | 96.38B | 1.24T |
| Total Current Liabilities | 496.87B | 568.37B | 600.47B | 705.27B | 760.68B | 842.39B | 1.03T | 1.08T | 1.13T | 0 |
| Total Non-Current Liabilities | 168.36B | 159.2B | 200.65B | 187.4B | 169.97B | 225.77B | 240.44B | 248.65B | 263.26B | 1.37T |
| Total Liabilities | 665.23B | 727.57B | 801.12B | 892.67B | 930.65B | 1.07T | 1.27T | 1.33T | 1.39T | 1.37T |
| Total Equity | 44.35B▲ 0% | 45.72B▲ 3.1% | 51.08B▲ 11.7% | 56.59B▲ 10.8% | 57.52B▲ 1.6% | 71.04B▲ 23.5% | 76.12B▲ 7.2% | 84.29B▲ 10.7% | 88.1B▲ 4.5% | 85.75B▲ 0% |
| Equity Growth % | 4.79% | 3.08% | 11.71% | 10.8% | 1.64% | 23.49% | 7.16% | 10.72% | 4.53% | 14.88% |
| Equity / Assets (Capital Ratio) | 6.25% | 5.91% | 5.99% | 5.96% | 5.82% | 6.24% | 5.65% | 5.98% | 5.97% | 5.88% |
| Return on Equity (ROE) | 12.31% | 12.11% | 11.9% | 9.47% | 13.59% | 21.06% | 6.01% | 9.12% | 10.1% | 10.57% |
| Book Value per Share | 68.03 | 70.89 | 79.76 | 88.13 | 88.68 | 106.71 | 107.14 | 115.69 | 121.81 | 120.75 |
| Tangible BV per Share | 55.14 | 57.49 | 66.08 | 74.15 | 76.89 | 95.48 | 76.25 | 85.91 | 92.01 | 90.28 |
| Common Stock | 13.03B | 13.13B | 12.99B | 13.48B | 13.6B | 17.74B | 22.94B | 23.92B | 23.36B | 23.71B |
| Additional Paid-in Capital | 307M | 300M | 303M | 302M | 313M | 317M | 328M | 354M | 373M | 379M |
| Retained Earnings | 23.71B | 25.85B | 28.73B | 30.75B | 35.5B | 45.12B | 44.01B | 46.47B | 47.38B | 47.72B |
| Accumulated OCI | 3.07B | 2.3B | 3.73B | 5.52B | 2.56B | 1.55B | 1.86B | 5.42B | 7.99B | 12.35B |
| Treasury Stock | -101M | -202M | -20M | -52M | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 4.24B | 4.34B | 4.69B | 4.69B | 3.65B | 2.65B | 3.3B | 2.05B | 1.55B | 1.55B |
BMO Cash Flow Statement
Bank of Montreal (BMO) cash flow — operating, investing & free cash flow history
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | Oct'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 2.91B | 17.91B | 29.3B | 50.84B | 44.05B | 4.96B | 9.59B | 29.03B | 10.24B | 10.24B |
| Operating CF Growth % | 206.6% | 515.96% | 63.59% | 73.48% | -13.35% | -88.75% | 93.48% | 202.68% | -64.73% | -265.9% |
| Net Income | 5.34B | 5.45B | 5.76B | 5.1B | 7.75B | 13.54B | 4.44B | 7.33B | 8.72B | 9.06B |
| Depreciation & Amortization | 1.1B | 1.13B | 1.21B | 1.62B | 1.56B | 1.48B | 2.09B | 2.11B | 2.18B | 2.18B |
| Deferred Taxes | 156M | 832M | 483M | 111M | 184M | 475M | -708M | 153M | 12M | -159M |
| Other Non-Cash Items | 575M | 423M | 623M | 2.83B | 208M | 61M | 1.81B | 3.35B | 3.33B | -17.95B |
| Working Capital Changes | -4.26B | 10.08B | 21.23B | 41.18B | 34.34B | -10.6B | 1.96B | 16.09B | -4.01B | 19.55B |
| Cash from Investing | -3.15B | -11.33B | -19.58B | -31.97B | -299M | -29.47B | -21.16B | -24.53B | 605M | -6.43B |
| Purchase of Investments | -30.42B | -46.75B | -63.5B | -86.66B | -49.62B | -96.6B | -50.15B | -86.98B | -78.69B | -60.13B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 3M |
| Net Investment Activity | -30.42B | -46.75B | -63.5B | -86.66B | -49.62B | -96.6B | -50.15B | -86.98B | -78.69B | -60.13B |
| Acquisitions | -25M | -365M | 0 | -186M | 63M | 1.23B | -15.1B | 0 | 0 | -1000K |
| Other Investing | -2.73B | -2.2B | -321M | -1.61B | -355M | 2.65B | 1.68B | 515M | 854M | 1.13B |
| Cash from Financing | 2B | 2.74B | -2.61B | -10.3B | -5.12B | 15.98B | 268M | -17.41B | -8.67B | -12.06B |
| Dividends Paid | -2.01B | -2.58B | -2.75B | -2.48B | -2.98B | -2.6B | -2.7B | -3.84B | -5.03B | -5.07B |
| Share Repurchases | -940M | -1.29B | -90M | -76M | 0 | -1.52B | 0 | 0 | -3.4B | -4.31B |
| Stock Issued | 149M | 88M | 54M | 0 | 159M | 3.11B | 3.35B | 68M | 158M | 133M |
| Net Stock Activity | -791M | -1.2B | -36M | -76M | 159M | 1.6B | 3.35B | 68M | -3.24B | -4.18B |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -2M |
| Other Financing | -96M | 2.2B | -1.23B | -8.11B | 0 | 6.93B | 2.07B | -12.07B | -948M | -3.62B |
| Net Change in Cash | 946M▲ 0% | 9.54B▲ 908.8% | 6.66B▼ 30.2% | 8.61B▲ 29.2% | 35.85B▲ 316.7% | -5.79B▼ 116.2% | -9.53B▼ 64.5% | -12.84B▼ 34.7% | 2.39B▲ 118.6% | -9.08B▲ 0% |
| Exchange Rate Effect | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Cash at Beginning | 31.65B | 32.6B | 42.14B | 48.8B | 57.41B | 93.26B | 87.47B | 77.93B | 65.1B | 67.48B |
| Cash at End | 32.6B | 42.14B | 48.8B | 57.41B | 93.26B | 87.47B | 77.93B | 65.1B | 67.48B | 67.38B |
| Interest Paid | 5.83B | 9.25B | 12.96B | 9.68B | 5.86B | 9.56B | 33.75B | 45.09B | 43.13B | 41.28B |
| Income Taxes Paid | 1.34B | 1.26B | 1.21B | 1.54B | 2.17B | 2.37B | 2.59B | 2.45B | 2.83B | 2.35B |
| Free Cash Flow | 2.12B▲ 0% | 17.03B▲ 704.3% | 28.18B▲ 65.5% | 49.8B▲ 76.8% | 43.07B▼ 13.5% | 3.51B▼ 91.9% | 7.91B▲ 125.5% | 27.47B▲ 247.1% | 8.51B▼ 69.0% | 10.97B▲ 0% |
| FCF Growth % | 163.4% | 704.25% | 65.48% | 76.77% | -13.53% | -91.85% | 125.53% | 247.06% | -69.01% | -21.8% |
BMO Banking Ratios
Bank of Montreal (BMO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 12.31% | 12.11% | 11.9% | 9.47% | 13.59% | 21.06% | 6.01% | 9.12% | 10.1% | 10.57% |
| Return on Assets (ROA) | 0.76% | 0.74% | 0.71% | 0.57% | 0.8% | 1.27% | 0.36% | 0.53% | 0.6% | 0.62% |
| Net Interest Margin | 1.59% | 1.48% | 1.51% | 1.47% | 1.45% | 1.39% | 1.39% | 1.38% | 1.45% | 1.49% |
| Efficiency Ratio | 51.49% | 45.34% | 44.53% | 45.75% | 51.19% | 21.63% | 34.84% | 23.86% | 26.78% | 31.06% |
| Equity / Assets | 6.25% | 5.91% | 5.99% | 5.96% | 5.82% | 6.24% | 5.65% | 5.98% | 5.97% | 5.88% |
| Book Value / Share | 68.03 | 70.89 | 79.76 | 88.13 | 88.68 | 106.71 | 107.14 | 115.69 | 121.81 | 120.75 |
| NII Growth | 14.21% | 1.45% | 12.68% | 8.4% | 2.43% | 11.01% | 17.6% | 4.21% | 10.37% | 7.92% |
| Dividend Payout | 37.66% | 47.35% | 47.79% | 48.56% | 38.43% | 19.17% | 61.08% | 52.47% | 57.77% | 55.89% |
BMO Frequently Asked Questions
Bank of Montreal (BMO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Bank of Montreal (BMO) saw revenue decline by 0.5% over the past year.
Yes, Bank of Montreal (BMO) is profitable, generating $9.06B in net income for fiscal year 2025 (11.1% net margin).
Dividend & Returns
Yes, Bank of Montreal (BMO) pays a dividend with a yield of 3.30%. This makes it attractive for income-focused investors.
Bank of Montreal (BMO) has a return on equity (ROE) of 10.1%. This is reasonable for most industries.
Industry Metrics
Bank of Montreal (BMO) has a net interest margin (NIM) of 1.5%. NIM has been under pressure due to interest rate environment.
Bank of Montreal (BMO) has an efficiency ratio of 26.8%. This is excellent, indicating strong cost control.
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