Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
/
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Bank of Montreal is a diversified financial-services provider based in North America. It operates through four main business segments: Canadian personal and commercial banking, US personal and commercial banking, wealth management, and capital markets. The bank delivers a broad range of banking and financial services to individuals, businesses, and institutions, including deposit accounts, lending solutions, payment services, investment products, advisory services, and corporate finance. Bank of Montreal maintains a significant presence in Canada with substantial operations in the United States, supporting personal banking needs like mortgages and credit cards, commercial financing for small and medium enterprises, wealth management through investment counseling and asset management, and capital markets activities such as trading, underwriting, and advisory for institutional clients. Founded in 1817 and headquartered in Toronto, Ontario, Bank of Montreal plays a key role in the North American financial landscape by offering integrated services across retail, commercial, and investment banking sectors.
C$247.86
+C$2.33 (+0.95%)
EOD Jun 25, 2026 · Twelve Data
24.17% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 12.7% YoY.
At 19x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
18.7x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
C$37.54B
▲ +12.7% YoY
Net Income (TTM)
C$9.74B
▲ +19.1% YoY
Net Margin
25.96%
P/E
18.7x
Balance Sheet
Total Assets
C$1.48T
Equity
C$88.10B
Total Debt
C$280.23B
Cash & Equiv.
C$104.16B
3Y CAGR: +11.2%
Continue Research
At a P/E of 18.7 and a price-to-free-cash-flow of 9.9, Bank of Montreal (BMO) trades above a two-stage DCF intrinsic value of about C$185.96 per share, so at C$247.86 the stock looks overvalued (25.0% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Bank of Montreal scores 58/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.9%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about C$185.96 per share for BMO, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around C$139.47. At today's C$247.86, that puts the stock about 25.0% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Bank of Montreal scores 58 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Bank of Montreal pays a regular dividend of about C$7.24 per share per year (typically in quarterly installments), a yield of roughly 2.9% at the current price. That is a payout ratio of about 52.4% of earnings, so the dividend is well covered. Bank of Montreal has grown the dividend at roughly 14.0% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For BMO's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. BMO currently trades above its estimated intrinsic value and scores 58/100 on quality (mixed). It also yields about 2.9%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.