Bank of Montreal (BMO) Stock Analysis | Financial Data & Charts

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

42.81%

Operating Income = $3.89B

Revenue = $9.08B

Pre-tax Profit Margini

36.63%

Income Before Tax = $3.33B

Revenue = $9.08B

Net Profit Margini

27.43%

Net Income = $2.49B

Revenue = $9.08B

Tax Metrics

Effective Tax Ratei

25.14%

Income Tax Expense = $0.84B

Income Before Tax = $3.33B

Cash Tax Rate (TTM)i

19.52%

Income Taxes Paid = $2.35B

Income Before Tax = $12.05B

Financial Sector PPNR Metrics

PPNRi

$-5.65B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $5.65B | non interest income: $-6.11B | non interest expense: $5.19B

PPNR Margini

-62.23%

PPNR = $-5.65B

Revenue = $9.08B

PPNR / Avg Assetsi

-0.39%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $-5.65B | avg total assets: $1463.11B

Cost Efficiency Metrics

Efficiency Ratioi

57.19%

Non-Interest Expense = $5.19B

Revenue = $9.08B

Cost-to-Incomei

57.19%

Operating Expenses = $5.19B

Revenue = $9.08B

Cost-to-Assetsi

0.35%

Operating Expenses = $5.19B

Avg Total Assets = $1463.11B

Operating Leverage Metrics

Operating JAWSi

-52.13%

Revenue Growth = -55.59%

Expense Growth = -3.46%

Operating Margin Expansioni

28.97pp

Current Operating Margin = 42.81%

Prior Operating Margin = 13.83%

Earnings Quality Metrics

Earnings Qualityi

2.95x

Operating Cash Flow = $7.33B

Net Income = $2.49B

Accruals / Avg Assetsi

-0.33%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $2.49B | operating cash flow: $7.33B | avg total assets: $1463.11B

Volatility Metrics

PPNR Volatilityi

1.22x

Core Revenue Volatilityi

0.19x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $66.78B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $20.75B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

CAD62.52B

Tangible Assets (TA)i

CAD1436.50B

TCE / TA Ratioi

4.35%

🔴 Risk

TCE = CAD62.52B

TA = CAD1436.50B

Leverage

Equity / Assets (E/A)i

5.88%

Total Equity = CAD85.70B

Total Assets = CAD1458.13B

Assets / Equity (A/E)i

17.01x

Total Assets = CAD1458.13B

Total Equity = CAD85.70B

Capital Quality

AOCI / TCEi

19.75%

✅ Healthy

AOCI = CAD12.35B

TCE = CAD62.52B

(Goodwill + Intangibles) / Equityi

25.24%

✅ Healthy

GW+Intangibles = CAD21.63B

Total Equity = CAD85.70B

Liquidity

Liquidity Buffer (HQLA proxy)i

0.00%

🔴 Risk

Cash+ST Inv = CAD67.29B

Total Assets = CAD1458.13B

Funding Structure

Wholesale Funding Ratio (Core)i

9.40%

✅ Healthy

ST+LT Debt = CAD129.02B

Total Liabilities = CAD1372.38B

Securities / Assetsi

0.00%

✅ Healthy

ST+LT Inv = CAD0.00B

Total Assets = CAD1458.13B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

CAD62.52B

ATCE / TAi

4.35%

TCE ATCE = CAD62.52B

TA = CAD1436.50B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 435.00%

ATCE/TA = 435.00%

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

1.40x

TTM Operating Cash Flow = $12.70B

TTM Net Income = $9.06B

Cash Flow ROA (CFROA)i

0.87%

TTM Operating Cash Flow = $12.70B

Average Total Assets = $1467.47B

Liquidity / Solvency

Cash Flow Adequacyi

1.52x

TTM Operating Cash Flow = $12.70B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $8.33B

OCF / Short-Term Debti

N/A

TTM Operating Cash Flow = $12.70B

Short-Term Debt = $0.00B

Sustainability / Stability

OCF Growth Rate (YoY)i

50.53%

Current Quarter OCF = $7.33B

Same Quarter Last Year OCF = $4.87B

OCF Volatility (CV)i

3.52x

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profitability Margins

Operating Income Margini

42.81%

Operating Income = $3.89B

Revenue = $9.08B

Pre-tax Profit Margini

36.63%

Income Before Tax = $3.33B

Revenue = $9.08B

Net Profit Margini

27.43%

Net Income = $2.49B

Revenue = $9.08B

Tax Metrics

Effective Tax Ratei

25.14%

Income Tax Expense = $0.84B

Income Before Tax = $3.33B

Cash Tax Rate (TTM)i

19.52%

Income Taxes Paid = $2.35B

Income Before Tax = $12.05B

Financial Sector PPNR Metrics

PPNRi

$-5.65B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $5.65B | non interest income: $-6.11B | non interest expense: $5.19B

PPNR Margini

-62.23%

PPNR = $-5.65B

Revenue = $9.08B

PPNR / Avg Assetsi

-0.39%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $-5.65B | avg total assets: $1463.11B

Cost Efficiency Metrics

Efficiency Ratioi

57.19%

Non-Interest Expense = $5.19B

Revenue = $9.08B

Cost-to-Incomei

57.19%

Operating Expenses = $5.19B

Revenue = $9.08B

Cost-to-Assetsi

0.35%

Operating Expenses = $5.19B

Avg Total Assets = $1463.11B

Operating Leverage Metrics

Operating JAWSi

-52.13%

Revenue Growth = -55.59%

Expense Growth = -3.46%

Operating Margin Expansioni

28.97pp

Current Operating Margin = 42.81%

Prior Operating Margin = 13.83%

Earnings Quality Metrics

Earnings Qualityi

2.95x

Operating Cash Flow = $7.33B

Net Income = $2.49B

Accruals / Avg Assetsi

-0.33%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $2.49B | operating cash flow: $7.33B | avg total assets: $1463.11B

Volatility Metrics

PPNR Volatilityi

1.22x

Core Revenue Volatilityi

0.19x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $66.78B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $20.75B | employee count: N/A

Capital Adequacy

Tangible Common Equity (TCE)i

CAD62.52B

Tangible Assets (TA)i

CAD1436.50B

TCE / TA Ratioi

4.35%

🔴 Risk

TCE = CAD62.52B

TA = CAD1436.50B

Leverage

Equity / Assets (E/A)i

5.88%

Total Equity = CAD85.70B

Total Assets = CAD1458.13B

Assets / Equity (A/E)i

17.01x

Total Assets = CAD1458.13B

Total Equity = CAD85.70B

Capital Quality

AOCI / TCEi

19.75%

✅ Healthy

AOCI = CAD12.35B

TCE = CAD62.52B

(Goodwill + Intangibles) / Equityi

25.24%

✅ Healthy

GW+Intangibles = CAD21.63B

Total Equity = CAD85.70B

Liquidity

Liquidity Buffer (HQLA proxy)i

0.00%

🔴 Risk

Cash+ST Inv = CAD67.29B

Total Assets = CAD1458.13B

Funding Structure

Wholesale Funding Ratio (Core)i

9.40%

✅ Healthy

ST+LT Debt = CAD129.02B

Total Liabilities = CAD1372.38B

Securities / Assetsi

0.00%

✅ Healthy

ST+LT Inv = CAD0.00B

Total Assets = CAD1458.13B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

CAD62.52B

ATCE / TAi

4.35%

TCE ATCE = CAD62.52B

TA = CAD1436.50B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 435.00%

ATCE/TA = 435.00%

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Bank of Montreal

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)