Bank of Montreal Financials

BMO Stock  USD 104.14  4.36  4.37%   
Bank of Montreal may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Bank of Montreal's Liabilities And Stockholders Equity is very stable compared to the past year. As of the 26th of February 2025, Non Current Liabilities Total is likely to grow to about 1.5 T, while Total Assets are likely to drop about 654.7 B. Key indicators impacting Bank of Montreal's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.180.21
Fairly Down
Very volatile
Return On Assets0.00540.0047
Fairly Up
Slightly volatile
Return On Equity0.140.0999
Significantly Up
Pretty Stable
Debt Equity Ratio2.942.8
Sufficiently Up
Slightly volatile
Operating Income11.3 B11.8 B
Notably Down
Slightly volatile
Current Ratio0.190.2
Notably Down
Slightly volatile
Investors should never underestimate Bank of Montreal's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Bank of Montreal's cash flow, debt, and profitability to make informed and accurate decisions about investing in Bank of Montreal.

Net Income

3.78 Billion

  
Understanding current and past Bank of Montreal Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bank of Montreal's financial statements are interrelated, with each one affecting the others. For example, an increase in Bank of Montreal's assets may result in an increase in income on the income statement.

Bank of Montreal Stock Summary

Bank of Montreal competes with Canadian Imperial, Toronto Dominion, Royal Bank, Citigroup, and Bank of Nova Scotia. Bank of Montreal provides diversified financial services primarily in North America. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada. Bank Of Montreal is traded on New York Stock Exchange in the United States.
Foreign Associate
  Canada
Specialization
Financial Services, Banks - Diversified
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINCA0636711016
CUSIP063671101
LocationOntario; Canada
Business Address129 rue Saint-Jacques,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bmo.com
Phone416 867 7366
CurrencyUSD - US Dollar

Bank of Montreal Key Financial Ratios

Bank of Montreal Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets949.3B988.2B1.1T1.3T1.4T654.7B
Net Debt88.2B129.4B166.7B193.7B222.8B233.9B
Retained Earnings30.7B35.5B45.1B44.9B46.5B6.3B
Cash66.4B101.6B93.2B77.8B68.7B383.7B
Other Assets600.0B614.3B727.4B5.4B1.4T24.5B
Total Liab892.7B930.7B1.1T1.2T1.3T615.6B
Total Current Assets128.7B126.3B126.1B113.5B130.6B91.7B
Accounts Payable12.5B13.8B16.5B19.7B52.2B1.1B
Net Receivables5.9B6.7B8.1B11.8B42.4B990.9M
Other Current Assets334.1B335.9B342.2B(42.4B)(48.8B)(46.4B)
Short Term Debt86.3B96.1B108.5B106.8B122.9B129.0B
Other Current Liab(77.6B)(221M)16M(128.3B)(159.5B)636.2B
Other Liab4.8B4.8B11.5B19.1B228.4B239.8B
Net Tangible Assets42.9B46.2B60.9B51.8B68.1B71.5B
Long Term Debt29.8B25.1B25.9B136.7B152.3B109.4B
Good Will6.5B5.4B5.3B16.7B16.8B4.6B
Inventory(295.6B)(334.1B)(335.9B)(342.2B)(308.0B)(292.6B)
Short Long Term Debt86.3B96.1B108.5B106.8B122.9B129.0B
Intangible Assets2.4B2.3B2.2B5.2B4.9B2.2B
Common Stock13.5B13.6B17.7B22.9B23.9B11.2B
Long Term Debt Total29.4B32.2B27.8B28.8B33.1B30.2B

Bank of Montreal Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense13.3B9.3B5.6B11.0B36.9B46.5B
Total Revenue25.0B26.9B26.3B29.0B32.0B54.9B
Gross Profit25.3B25.0B26.9B26.3B33.1B32.0B
Operating Income6.3B10.3B28.9B10.3B11.8B11.3B
Ebit6.3B10.3B28.9B5.9B16.7B11.6B
Ebitda7.8B11.7B30.3B8.0B9.1B11.9B
Income Before Tax6.3B10.3B17.9B5.9B9.5B5.0B
Net Income5.1B7.8B13.5B4.4B7.3B3.8B
Income Tax Expense1.3B2.5B4.3B1.5B2.2B1.2B
Tax Provision2.5B4.3B1.5B2.2B2.5B2.0B
Net Interest Income14.3B15.9B18.7B19.5B22.4B15.0B
Interest Income19.9B26.9B55.6B66.0B75.9B79.7B

Bank of Montreal Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash8.6B35.9B(5.8B)(9.5B)(12.8B)(1.8B)
Free Cash Flow43.1B3.5B7.9B27.5B31.6B33.2B
Depreciation1.4B1.4B2.1B2.1B2.4B2.5B
Other Non Cash Items140M(318M)2.0B3.4B3.9B4.0B
Dividends Paid2.5B3.0B2.6B2.7B3.8B3.9B
Capital Expenditures1.0B983M1.4B1.7B1.6B5.2B
Net Income5.1B7.8B13.5B4.4B7.3B3.8B
End Period Cash Flow57.4B93.3B87.5B77.9B65.1B27.6B
Investments621M(29.5B)(21.2B)(24.5B)(22.1B)(21.0B)
Net Borrowings(9B)(1.3B)14.7B(1.0B)(3.6B)(3.4B)
Change To Netincome2.8B208M61M1.3B18.6B19.6B

Bank Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bank of Montreal's current stock value. Our valuation model uses many indicators to compare Bank of Montreal value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bank of Montreal competition to find correlations between indicators driving Bank of Montreal's intrinsic value. More Info.
Bank of Montreal is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.06  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Bank of Montreal is roughly  17.25 . At this time, Bank of Montreal's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bank of Montreal's earnings, one of the primary drivers of an investment's value.

Bank of Montreal Systematic Risk

Bank of Montreal's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Bank of Montreal volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Bank of Montreal correlated with the market. If Beta is less than 0 Bank of Montreal generally moves in the opposite direction as compared to the market. If Bank of Montreal Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Bank of Montreal is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Bank of Montreal is generally in the same direction as the market. If Beta > 1 Bank of Montreal moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Bank of Montreal Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Bank of Montreal's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Bank of Montreal growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.2

At this time, Bank of Montreal's Price Earnings To Growth Ratio is very stable compared to the past year.

Bank of Montreal February 26, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bank of Montreal help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bank of Montreal. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bank of Montreal based on widely used predictive technical indicators. In general, we focus on analyzing Bank Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bank of Montreal's daily price indicators and compare them against related drivers.
When determining whether Bank of Montreal offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bank of Montreal's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bank Of Montreal Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bank Of Montreal Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bank of Montreal. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.
To learn how to invest in Bank Stock, please use our How to Invest in Bank of Montreal guide.
You can also try the Portfolio Manager module to state of the art Portfolio Manager to monitor and improve performance of your invested capital.
Is Diversified Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bank of Montreal. If investors know Bank will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bank of Montreal listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.344
Dividend Share
6.12
Earnings Share
6.68
Revenue Per Share
39.896
Quarterly Revenue Growth
(0.06)
The market value of Bank of Montreal is measured differently than its book value, which is the value of Bank that is recorded on the company's balance sheet. Investors also form their own opinion of Bank of Montreal's value that differs from its market value or its book value, called intrinsic value, which is Bank of Montreal's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bank of Montreal's market value can be influenced by many factors that don't directly affect Bank of Montreal's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bank of Montreal's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bank of Montreal is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bank of Montreal's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.