Stock Price

25,02 CAD

0.46% ROA

8.07% ROE

2.93x PER

Market Cap.

0,00 CAD

323.41% DER

3.82% Yield

18.67% NPM

Bank of Montreal Stock Analysis

Bank of Montreal Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of Montreal Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

The stock's ROE falls within an average range (9.9%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.58%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 DER

The stock is burdened with a heavy load of debt (305%), making it financially unstable and potentially risky for investors.

7 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

8 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

9 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (0) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Bank of Montreal Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of Montreal Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Bank of Montreal Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of Montreal Revenue
Year Revenue Growth
1994 5.128.905.722
1995 5.581.983.670 8.12%
1996 6.119.063.545 8.78%
1997 7.058.019.997 13.3%
1998 7.141.997.222 1.18%
1999 7.789.907.312 8.32%
2000 8.528.784.648 8.66%
2001 8.720.837.962 2.2%
2002 8.752.336.448 0.36%
2003 9.119.082.157 4.02%
2004 9.473.299.196 3.74%
2005 9.839.414.335 3.72%
2006 9.840.000.000 0.01%
2007 9.349.000.000 -5.25%
2008 10.204.425.205 8.38%
2009 11.064.000.000 7.77%
2010 12.210.000.000 9.39%
2011 13.718.000.000 10.99%
2012 16.130.000.000 14.95%
2013 16.263.000.000 0.82%
2014 16.718.000.000 2.72%
2015 19.389.000.000 13.78%
2016 20.947.000.000 7.44%
2017 21.874.000.000 4.24%
2018 22.870.000.000 4.36%
2019 25.332.000.000 9.72%
2020 25.025.000.000 -1.23%
2021 26.909.000.000 7%
2022 26.259.000.000 -2.48%
2023 33.055.000.000 20.56%
2024 31.684.000.000 -4.33%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of Montreal Research and Development Expenses
Year Research and Development Expenses Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of Montreal General and Administrative Expenses
Year General and Administrative Expenses Growth
1994 1.794.941.161
1995 1.999.063.044 10.21%
1996 2.210.033.445 9.55%
1997 2.534.995.071 12.82%
1998 2.574.008.335 1.52%
1999 2.820.067.677 8.73%
2000 3.064.270.484 7.97%
2001 3.212.188.542 4.6%
2002 3.403.426.791 5.62%
2003 3.577.739.681 4.87%
2004 3.632.040.966 1.5%
2005 3.745.424.489 3.03%
2006 3.824.000.000 2.05%
2007 3.825.000.000 0.03%
2008 3.975.468.975 3.78%
2009 4.959.000.000 19.83%
2010 5.360.000.000 7.48%
2011 5.817.000.000 7.86%
2012 6.466.000.000 10.04%
2013 5.827.000.000 -10.97%
2014 6.242.000.000 6.65%
2015 8.335.000.000 25.11%
2016 8.925.000.000 6.61%
2017 9.005.000.000 0.89%
2018 8.811.000.000 -2.2%
2019 11.132.000.000 20.85%
2020 9.652.000.000 -15.33%
2021 9.721.000.000 0.71%
2022 8.112.000.000 -19.83%
2023 13.454.000.000 39.71%
2024 10.476.000.000 -28.43%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of Montreal EBITDA
Year EBITDA Growth
1994 1.608.954.417
1995 1.923.972.694 16.37%
1996 2.224.749.164 13.52%
1997 2.578.087.593 13.71%
1998 2.555.023.924 -0.9%
1999 2.611.004.855 2.14%
2000 3.333.840.999 21.68%
2001 2.496.429.138 -33.54%
2002 2.336.448.598 -6.85%
2003 3.004.088.092 22.22%
2004 3.828.334.553 21.53%
2005 3.746.605.267 -2.18%
2006 3.784.000.000 0.99%
2007 2.756.000.000 -37.3%
2008 2.342.472.342 -17.65%
2009 2.476.000.000 5.39%
2010 3.967.000.000 37.59%
2011 5.980.000.000 33.66%
2012 5.392.000.000 -10.91%
2013 6.024.000.000 10.49%
2014 5.927.000.000 -1.64%
2015 6.095.000.000 2.76%
2016 6.167.000.000 1.17%
2017 7.129.000.000 13.49%
2018 8.537.000.000 16.49%
2019 8.477.000.000 -0.71%
2020 7.769.000.000 -9.11%
2021 11.683.000.000 33.5%
2022 19.270.000.000 39.37%
2023 7.950.000.000 -142.39%
2024 11.780.000.000 32.51%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of Montreal Gross Profit
Year Gross Profit Growth
1994 5.128.905.722
1995 5.581.983.670 8.12%
1996 6.119.063.545 8.78%
1997 7.058.019.997 13.3%
1998 7.141.997.222 1.18%
1999 7.789.907.312 8.32%
2000 8.528.784.648 8.66%
2001 8.720.837.962 2.2%
2002 8.752.336.448 0.36%
2003 9.119.082.157 4.02%
2004 9.473.299.196 3.74%
2005 9.839.414.335 3.72%
2006 9.840.000.000 0.01%
2007 9.349.000.000 -5.25%
2008 10.204.425.205 8.38%
2009 11.064.000.000 7.77%
2010 12.210.000.000 9.39%
2011 13.718.000.000 10.99%
2012 16.130.000.000 14.95%
2013 16.263.000.000 0.82%
2014 16.718.000.000 2.72%
2015 19.389.000.000 13.78%
2016 20.947.000.000 7.44%
2017 21.874.000.000 4.24%
2018 22.870.000.000 4.36%
2019 25.332.000.000 9.72%
2020 25.025.000.000 -1.23%
2021 26.909.000.000 7%
2022 26.259.000.000 -2.48%
2023 33.055.000.000 20.56%
2024 31.684.000.000 -4.33%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of Montreal Net Profit
Year Net Profit Growth
1994 824.969.566
1995 985.945.657 16.33%
1996 1.167.892.977 15.58%
1997 1.305.027.461 10.51%
1998 1.350.054.021 3.34%
1999 1.381.933.206 2.31%
2000 1.856.533.658 25.56%
2001 1.471.195.048 -26.19%
2002 1.417.445.483 -3.79%
2003 1.825.135.171 22.34%
2004 2.350.646.184 22.36%
2005 2.400.519.542 2.08%
2006 2.663.000.000 9.86%
2007 2.131.000.000 -24.96%
2008 1.978.114.478 -7.73%
2009 1.787.000.000 -10.69%
2010 2.810.000.000 36.41%
2011 3.266.000.000 13.96%
2012 4.115.000.000 20.63%
2013 4.183.000.000 1.63%
2014 4.277.000.000 2.2%
2015 4.370.000.000 2.13%
2016 4.622.000.000 5.45%
2017 5.348.000.000 13.58%
2018 5.450.000.000 1.87%
2019 5.758.000.000 5.35%
2020 5.097.000.000 -12.97%
2021 7.754.000.000 34.27%
2022 13.537.000.000 42.72%
2023 4.365.000.000 -210.13%
2024 7.448.000.000 41.39%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of Montreal Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 6 100%
2014 6 0%
2015 7 0%
2016 7 0%
2017 8 14.29%
2018 8 12.5%
2019 9 0%
2020 8 -14.29%
2021 12 36.36%
2022 20 45%
2023 6 -300%
2024 10 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of Montreal Free Cashflow
Year Free Cashflow Growth
1994 -119.978.358
1995 -1.030.919.556 88.36%
1996 -5.214.715.719 80.23%
1997 -2.274.890.861 -129.23%
1998 2.374.903.535 195.79%
1999 4.007.061.939 40.73%
2000 -3.339.932.988 219.97%
2001 10.252.340.899 132.58%
2002 -4.481.308.411 328.78%
2003 -9.240.406.172 51.5%
2004 2.189.709.827 521.99%
2005 -6.757.586.491 132.4%
2006 33.000.000 20577.53%
2007 -14.363.000.000 100.23%
2008 3.815.536.316 476.43%
2009 12.590.000.000 69.69%
2010 -7.065.000.000 278.2%
2011 -68.000.000 -10289.71%
2012 9.579.000.000 100.71%
2013 10.797.000.000 11.28%
2014 -3.664.000.000 394.68%
2015 1.809.000.000 302.54%
2016 -3.268.000.000 155.35%
2017 2.117.000.000 254.37%
2018 17.026.000.000 87.57%
2019 28.175.000.000 39.57%
2020 49.804.000.000 43.43%
2021 43.066.000.000 -15.65%
2022 3.509.000.000 -1127.3%
2023 7.914.000.000 55.66%
2024 3.661.000.000 -116.17%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of Montreal Operating Cashflow
Year Operating Cashflow Growth
1994 126.065.197
1995 -690.938.295 118.25%
1996 -4.804.013.378 85.62%
1997 -1.735.952.683 -176.74%
1998 2.945.979.318 158.93%
1999 4.336.030.602 32.06%
2000 -2.994.212.610 244.81%
2001 10.650.690.367 128.11%
2002 -4.096.573.209 359.99%
2003 -8.985.889.490 54.41%
2004 2.494.513.533 460.23%
2005 -6.285.275.711 139.69%
2006 616.000.000 1120.34%
2007 -13.943.000.000 104.42%
2008 4.246.031.746 428.38%
2009 12.794.000.000 66.81%
2010 -6.584.000.000 294.32%
2011 572.000.000 1251.05%
2012 10.258.000.000 94.42%
2013 11.433.000.000 10.28%
2014 -2.927.000.000 490.6%
2015 2.333.000.000 225.46%
2016 -2.648.000.000 188.1%
2017 2.908.000.000 191.06%
2018 17.912.000.000 83.77%
2019 29.303.000.000 38.87%
2020 50.836.000.000 42.36%
2021 44.049.000.000 -15.41%
2022 4.957.000.000 -788.62%
2023 9.591.000.000 48.32%
2024 3.988.000.000 -140.5%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of Montreal Capital Expenditure
Year Capital Expenditure Growth
1994 246.043.555
1995 339.981.261 27.63%
1996 410.702.341 17.22%
1997 538.938.178 23.79%
1998 571.075.783 5.63%
1999 328.968.663 -73.6%
2000 345.720.378 4.85%
2001 398.349.468 13.21%
2002 384.735.202 -3.54%
2003 254.516.682 -51.16%
2004 304.803.706 16.5%
2005 472.310.780 35.47%
2006 583.000.000 18.99%
2007 420.000.000 -38.81%
2008 430.495.430 2.44%
2009 204.000.000 -111.03%
2010 481.000.000 57.59%
2011 640.000.000 24.84%
2012 679.000.000 5.74%
2013 636.000.000 -6.76%
2014 737.000.000 13.7%
2015 524.000.000 -40.65%
2016 620.000.000 15.48%
2017 791.000.000 21.62%
2018 886.000.000 10.72%
2019 1.128.000.000 21.45%
2020 1.032.000.000 -9.3%
2021 983.000.000 -4.98%
2022 1.448.000.000 32.11%
2023 1.677.000.000 13.66%
2024 327.000.000 -412.84%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of Montreal Equity
Year Equity Growth
1994 6.537.941.296
1995 7.031.990.363 7.03%
1996 7.586.622.074 7.31%
1997 8.903.112.238 14.79%
1998 11.125.019.293 19.97%
1999 11.374.871.267 2.2%
2000 12.692.659.153 10.38%
2001 10.682.431.360 -18.82%
2002 11.894.080.997 10.19%
2003 12.483.186.074 4.72%
2004 13.189.465.984 5.35%
2005 15.690.164.128 15.94%
2006 16.419.689.555 4.44%
2007 16.627.107.937 1.25%
2008 19.553.872.054 14.97%
2009 20.197.000.000 3.18%
2010 21.880.000.000 7.69%
2011 28.123.000.000 22.2%
2012 30.090.000.000 6.54%
2013 31.481.000.000 4.42%
2014 35.404.000.000 11.08%
2015 39.913.000.000 11.3%
2016 42.328.000.000 5.71%
2017 44.354.000.000 4.57%
2018 45.727.000.000 3%
2019 51.076.000.000 10.47%
2020 56.593.000.000 9.75%
2021 57.523.000.000 1.62%
2022 71.038.000.000 19.03%
2023 77.037.000.000 7.79%
2024 79.570.000.000 3.18%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of Montreal Assets
Year Assets Growth
1994 138.175.030.434
1995 151.834.024.897 9%
1996 169.831.438.128 10.6%
1997 207.838.050.979 18.29%
1998 222.590.060.194 6.63%
1999 230.614.977.196 3.48%
2000 233.396.283.887 1.19%
2001 239.409.617.521 2.51%
2002 252.864.485.981 5.32%
2003 256.493.472.240 1.41%
2004 265.193.855.157 3.28%
2005 297.532.176.172 10.87%
2006 321.336.689.555 7.41%
2007 367.853.107.937 12.65%
2008 416.049.783.550 11.58%
2009 388.458.000.000 -7.1%
2010 411.640.000.000 5.63%
2011 477.423.000.000 13.78%
2012 525.449.000.000 9.14%
2013 537.299.000.000 2.21%
2014 588.659.000.000 8.72%
2015 641.881.000.000 8.29%
2016 687.935.000.000 6.69%
2017 709.580.000.000 3.05%
2018 774.048.000.000 8.33%
2019 852.195.000.000 9.17%
2020 949.261.000.000 10.23%
2021 988.175.000.000 3.94%
2022 1.139.199.000.000 13.26%
2023 1.293.276.000.000 11.91%
2024 1.374.053.000.000 5.88%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of Montreal Liabilities
Year Liabilities Growth
1994 2.218.044.096
1995 2.594.967.207 14.53%
1996 3.313.712.375 21.69%
1997 3.831.009.717 13.5%
1998 211.465.040.901 98.19%
1999 219.240.105.929 3.55%
2000 220.703.624.734 0.66%
2001 4.673.861.292 -4622.08%
2002 3.794.392.523 -23.18%
2003 2.856.389.292 -32.84%
2004 2.394.537.918 -19.29%
2005 281.842.012.044 99.15%
2006 304.917.000.000 7.57%
2007 351.226.000.000 13.18%
2008 396.495.911.496 11.42%
2009 368.261.000.000 -7.67%
2010 389.760.000.000 5.52%
2011 449.300.000.000 13.25%
2012 495.359.000.000 9.3%
2013 505.818.000.000 2.07%
2014 553.255.000.000 8.57%
2015 601.968.000.000 8.09%
2016 645.607.000.000 6.76%
2017 665.226.000.000 2.95%
2018 728.321.000.000 8.66%
2019 801.119.000.000 9.09%
2020 892.668.000.000 10.26%
2021 930.652.000.000 4.08%
2022 1.068.161.000.000 12.87%
2023 1.216.239.000.000 12.18%
2024 1.294.483.000.000 6.04%

Bank of Montreal Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
45.71
Net Income per Share
8.53
Price to Earning Ratio
2.93x
Price To Sales Ratio
0x
POCF Ratio
0.5
PFCF Ratio
0
Price to Book Ratio
0.23
EV to Sales
5.2
EV Over EBITDA
16.9
EV to Operating CashFlow
4.74
EV to FreeCashFlow
4.96
Earnings Yield
0.34
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
173,02 Bil.
Graham Number
144.8
Graham NetNet
-1529.11

Income Statement Metrics

Net Income per Share
8.53
Income Quality
5.87
ROE
0.08
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.77
EBT Per Ebit
1
Ebit per Revenue
0.24
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.35
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
0.24
Pretax Profit Margin
0.24
Net Profit Margin
0.19

Dividends

Dividend Yield
0.04
Dividend Yield %
3.82
Payout Ratio
0.45
Dividend Per Share
0.96

Operating Metrics

Operating Cashflow per Share
50.16
Free CashFlow per Share
47.93
Capex to Operating CashFlow
-0.04
Capex to Revenue
-0.05
Capex to Depreciation
-0.74
Return on Invested Capital
0.02
Return on Tangible Assets
0
Days Sales Outstanding
384.01
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.95
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-2.23

Balance Sheet

Cash per Share
212,22
Book Value per Share
109,21
Tangible Book Value per Share
79.6
Shareholders Equity per Share
109.21
Interest Debt per Share
412.74
Debt to Equity
3.23
Debt to Assets
0.19
Net Debt to EBITDA
16.9
Current Ratio
1.24
Tangible Asset Value
57,97 Bil.
Net Current Asset Value
-1.104,90 Bil.
Invested Capital
3.23
Working Capital
37,17 Bil.
Intangibles to Total Assets
0.02
Average Receivables
18,38 Bil.
Average Payables
19,12 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of Montreal Dividends
Year Dividends Growth
2019 1
2020 1 100%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Bank of Montreal Profile

About Bank of Montreal

Bank of Montreal (BMO) is a Canada-based financial services provider. The Bank provides a range of personal and commercial banking, wealth management, global markets and investment banking products and services. The Bank conducts its business through three operating groups: Personal and Commercial Banking, BMO Wealth Management and BMO Capital Markets. The Personal and Commercial Banking business includes two retail and business banking operating segments, such as Canadian Personal and Commercial Banking and the United States Personal and Commercial Banking. BMO Wealth Management business provides a full range of clients, from individuals and families to business owners and institutions, offering a wide spectrum of wealth, asset management and insurance products and services. BMO Capital Markets provides products and services to North American and international corporate, institutional and government clients through its investment and corporate banking and global markets divisions.

CEO
None
Employee
0
Address

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Bank of Montreal Executives & BODs

Bank of Montreal Executives & BODs
# Name Age

Bank of Montreal Competitors