Bank of Montreal (BMO) Earnings History
Annual and quarterly earnings data from 1994 to 2025
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 41.6% | 14.8% | 11.1% |
| 2024 | 36.0% | 12.1% | 9.3% |
| 2023 | 43.6% | 8.7% | 6.5% |
| 2022 | 69.6% | 48.0% | 36.3% |
| 2021 | 82.8% | 31.6% | 23.9% |
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Bank of Montreal (BMO) Earnings Overview
As of February 28, 2026, Bank of Montreal (BMO) reported trailing twelve-month net income of $9.06B, reflecting +0.2% year-over-year growth. The company earned $12.76 per diluted share over the past four quarters, with a net profit margin of 0.1%.
Looking at the long-term picture, BMO's 5-year EPS compound annual growth rate (CAGR) stands at +8.7%, showing solid earnings momentum. The company achieved its highest annual net income of $13.54B in fiscal 2022.
Bank of Montreal maintains positive profitability with a gross margin of 0.4%, operating margin of 0.1%, and net margin of 0.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including JPM ($58.03B net income, 0.2% margin), BAC ($30.63B net income, 0.2% margin), WFC ($21.06B net income, 0.2% margin), BMO has room to improve margins relative to the peer group. Compare BMO vs JPM →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $8.71B | +19.0% | $11.55B | $11.44 | 11.1% | 14.8% |
| 2024 | $7.32B | +65.4% | $9.54B | $9.51 | 9.3% | 12.1% |
| 2023 | $4.42B | -67.3% | $5.95B | $5.76 | 6.5% | 8.7% |
| 2022 | $13.54B | +74.6% | $17.89B | $19.99 | 36.3% | 48.0% |
| 2021 | $7.75B | +52.1% | $10.26B | $11.58 | 23.9% | 31.6% |
| 2020 | $5.10B | -11.5% | $6.35B | $7.55 | 14.8% | 18.5% |
| 2019 | $5.76B | +5.6% | $7.27B | $8.66 | 14.9% | 18.8% |
| 2018 | $5.45B | +2.2% | $7.41B | $8.17 | 16.9% | 22.9% |
| 2017 | $5.34B | +15.5% | $6.63B | $7.92 | 19.2% | 23.8% |
| 2016 | $4.62B | +5.8% | $5.73B | $6.92 | 18.2% | 22.5% |
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Start ComparisonFrequently Asked Questions
Is BMO growing earnings?
BMO EPS of $12.76 reflects slowing growth at +0.2%, below the 5-year CAGR of +8.7%. TTM net income is $9.1B. Expansion rate has moderated.
What are BMO's profit margins?
Bank of Montreal net margin is +0.1%, with operating margin at +0.1%. Below-average margins reflect competitive or cost pressures.
How consistent are BMO's earnings?
BMO earnings data spans 1994-2025. The current earnings trend is +0.2% YoY. Historical data enables comparison across business cycles.