BMO- Bank of Montreal
Financial Services · Banks - Diversified
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
HoldWall Street consensus from 3 analysts
12-Month Price Target
$165.52
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $165.61
Graham Number
√(22.5 × EPS × Book Value)
$129.08
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$65.95
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
7/10
88% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
10.6%Return on equity - measures how efficiently capital is used
Positive profit margin
25.7%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+12.0%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
-24.2%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$128M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.98%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Dec 2, 2026
61
days
EPS (TTM)
$8.65
P/E (TTM)
19.1
Fwd P/E
14.3
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
2.98%
5Y Avg Annual
$3.7646
Last Payment
$1.2180
Ex-Date
07/30/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest07/30/2026 | 08/26/2026 | $1.2180 | 2.94% |
04/29/2026 | 05/26/2026 | $1.2210 | 2.95% |
07/30/2025 | 08/26/2025 | $1.1830 | 2.86% |
04/29/2025 | 05/26/2025 | $1.1500 | 2.78% |
01/30/2025 | 02/26/2025 | $1.1030 | 2.66% |
10/30/2024 | 11/26/2024 | $1.1140 | 2.69% |
07/30/2024 | 08/26/2024 | $1.1190 | 2.70% |
04/26/2024 | 05/23/2024 | $1.1060 | 2.67% |
Magic Number
Shares needed to self-fund your next purchase
$165.61
Price
$1.2180
Last div. (semesterly)
136
shares
Own 136 BMO shares ($22,522.96) and each semesterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$22,522.96
New shares / year
+2 shares
Dividend Calculator
2.99% yieldEstimate BMO dividend income at the current rate.
Per year
$299.5
Per month
$24.96
≈ 60.4 shares at $4.96/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
BMO vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
Loading history…
Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
Get the weekly market breakdown
Real numbers, plain English, no hype. The stories and data that actually move stocks and crypto, straight to your inbox.
Subscribe freeDiscussion
Sign in to join the discussionSign inLoading…
Discover
Related Assets
Financial Services
Related Articles
About Bank of Montreal
Bank of Montreal provides diversified financial services primarily in North America. It operates through Canadian Personal and Commercial Banking; U.S. Banking; Wealth Management; and Capital Markets segments. The company offers checking accounts, savings, money markets and certificates of deposits, debit cards, overdrafts, digital banking, credit cards, loans, mortgages, investment and retirement options, and other banking services; and commercial banking products and services, including 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.
Sector
Financial Services
Industry
Banks - Diversified
Location
Montreal, Canada
Employees
53,234
CEO
Mr. William Darryl White
Stock Market ROI Pro
All features, zero ads- web & app
Unlock every feature, ad-free, across our website and iOS app.
Bank of Montreal (BMO) stock trades at $165.61, down 0.41% on the day. With a market capitalization of $115.11 billion, BMO is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 19.1, a forward P/E of 14.3 and earnings per share (EPS) of $8.65. Over the most recent period the company reported 12% year-over-year revenue growth and a net profit margin of 25.7%. Below you'll find BMO's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
BMO - Frequently Asked Questions
Is Bank of Montreal (BMO) a good stock to buy in 2026?
Bank of Montreal (BMO) shows strengths such as revenue growth of 12% and a strong 26% net margin. Whether BMO is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is BMO's stock price today?
Bank of Montreal (BMO) trades at $165.61, down 0.41% on the session. Prices on this page update throughout the trading day.
Does BMO pay a dividend?
Yes. Bank of Montreal pays an annual dividend of $4.96 per share, a dividend yield of 2.98%. The most recent ex-dividend date was October 30, 2026. Its payout ratio is about 54% of earnings.
Is BMO overvalued?
With a P/E ratio of 19.1×, BMO trades at a roughly market-average valuation for the financial services sector. Its PEG ratio is 1.52. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is BMO's market cap?
Bank of Montreal (BMO) has a market capitalization of $115.11 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.