Bank of Montreal (BMO) Earnings History
Annual and quarterly earnings data from 1994 to 2025
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BMO EPS Growth (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.
BMO 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 May 7, 2026, Bank of Montreal (BMO) reported trailing twelve-month net income of $9.06B, reflecting +20.3% year-over-year growth. The company earned $12.76 per diluted share over the past four quarters, with a net profit margin of 11.1%.
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 41.6%, operating margin of 14.8%, and net margin of 11.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including TD ($20.54B net income, 17.7% margin), RY ($20.36B net income, 14.8% margin), BNS ($7.79B net income, 10.6% margin), BMO has room to improve margins relative to the peer group. Compare BMO vs TD →
BMO Earnings vs Peers
Earnings metrics vs comparable public companies
BMO Historical Earnings Data (1994–2025)
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% |
Full BMO Stock Analysis
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Start ComparisonBMO — Frequently Asked Questions
Quick answers to the most common questions about buying BMO stock.
Is BMO growing earnings?
BMO EPS is $12.76, with earnings growth accelerating to +20.3%. This exceeds the 5-year CAGR of +8.7%. TTM net income reached $9.1B.
What are BMO's profit margins?
Bank of Montreal net margin is +11.1%, with operating margin at +14.8%. Margins sit within typical range for the sector.
How consistent are BMO's earnings?
BMO earnings data spans 1994-2025. The accelerating earnings trend is +20.3% YoY. Historical data enables comparison across business cycles.