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Earnings transcript
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BMO
Bank of Montreal
$176.7
0.62
(0.35%)
| Exchange: | NYSE |
| Market Cap: | 123.764B |
| Shares Outstanding: | 499.033M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Diversified | |||||
| CEO: | Darryl White | |||||
| Full Time Employees: | 54078 | |||||
| Address: |
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| Website: | https://www.bmo.com |
Bank of Montreal engages in the provision of diversified financial services primarily in North America. The company operates through Canadian P&C, U.S P&C, BMO Wealth Management, and BMO Capital Markets segments. It’s personal banking products and services include deposits, home lending, consumer credit, small business lending, credit cards, cash management, financial and investment advice, and other banking services; and commercial banking products and services comprise various of financing options and treasury and payment solutions, as well as risk management products. It also offers investing, banking, and wealth management advisory; digital investing services; financial solutions for individuals, families, and businesses; offers investment management services to institutional, retail, and high net worth investors; and diversified insurance, and wealth and pension de-risking solutions. In addition, the company provides individual life, critical illness and annuity products, as well as segregated funds, and group creditor and travel insurance to customers; debt and equity capital-raising, loan origination and syndication, balance sheet management, treasury management, mergers and acquisitions advice, restructurings and recapitalizations, trade finance, and risk mitigation services, as well as a range of banking and other operating services. Further, the company offers research and access to financial markets for institutional, corporate and retail clients through an integrated suite of sales and trading solutions related to debt, foreign exchange, interest rates, credit, equities, securitization, and commodities; provides new product development and origination services, as well as risk management and advisory services for hedging strategies, including in interest rates, foreign exchange rates and commodities prices; and funding and liquidity management services. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 68,008,000 | 78,558,000 | 78,149,000 |
| Gross Profit | 29,642,000 | 28,280,000 | 32,482,000 |
| EBITDA | 8,039,000 | 11,645,000 | 13,730,000 |
| Operating Income | 5,947,000 | 9,535,000 | 11,550,000 |
| Net Income | 4,425,000 | 7,318,000 | 8,709,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 1,347,006,000 | 1,409,647,000 | 1,476,802,000 |
| Total Liabilities | 1,270,883,000 | 1,325,361,000 | 1,388,702,000 |
| Total Stockholders Equity | 76,095,000 | 84,250,000 | 88,051,000 |
| Total Debt | 354,843,000 | 373,231,000 | 415,195,000 |
| Cash and Cash Equivalents | 82,043,000 | 68,738,000 | 70,322,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 9,591,000 | 29,030,000 | 10,240,000 |
| Capital Expenditure | -885,000 | -1,564,000 | -1,729,000 |
| Free Cash Flow | 7,914,000 | 27,466,000 | 8,511,000 |
| Net Income | 4,437,000 | 7,327,000 | 8,725,000 |
| Net Change in Cash | -9,532,000 | -12,836,000 | 2,386,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 41,396,273.590 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 42,549,710.388 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 41,875,701.980 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 10,975,577.932 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 11,281,393.755 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 11,102,690.911 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 12,300,204.089 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 12,747,298.818 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 12,523,751.454 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 8,582,051.791 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 8,821,176.076 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 8,681,444.295 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 17.260 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 17.620 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 17.010 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 2 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: BMO Financial Group reported a strong start to the year in its Q1 2025 earnings call, with key financial results indicating solid revenue and net income growth. Historical income statements reflect consistent revenue and gross profit increases, supported by strong operating cash flow and free cash flow metrics, positioning BMO favorably within the banking sector.
- Diversified Operations: The company’s revenue product and geographic segments highlight a well-balanced portfolio across regions and product categories, reducing dependency on any single market or line of business. This diversification, as emphasized in the earnings call, provides resilience against localized economic downturns.
- Strong Balance Sheet: Balance sheet data shows substantial cash and cash equivalents alongside manageable total liabilities relative to total assets. The current ratio and quick ratio (TTM) indicate good liquidity, enabling BMO to meet short-term obligations effectively.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates BMO intrinsic value between $251.01 – $554.73 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about BMO valuation
Is Bank of Montreal (BMO) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Bank of Montreal (BMO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BMO a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BMO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BMO’s P/E ratio?
You can see BMO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BMO?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is BMO a good long-term investment?
Whether BMO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BMO
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Daily snapshot
0.35
Trading Metrics:
| Open: | 175.74 | Previous Close: | 176.08 | |
| Day Low: | 175.17 | Day High: | 177 | |
| Year Low: | 109.64 | Year High: | 177 | |
| Price Avg 50: | 159.97 | Price Avg 200: | 139.79 | |
| Volume: | 304482 | Average Volume: | 782379 |
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Login — it's freeBMO full analysis
Welcome to MARKETSNAP’s SWOT analysis for BMO Financial Group, one of the heavyweights in the banking world. If you’re a long-term investor looking to dig into a solid financial institution, you’ve come to the right place. Today, we’re breaking down the strengths, weaknesses, opportunities, and threats for BMO—also known by its ticker, BMO—and giving you the insights you need to make informed decisions. Let’s dive into what makes this bank tick, check out some recent developments, and see where it…
