Bank of Montreal (BMO), Discounted Cash Flow Valuation

شركة بنك مونتريال (BMO) Profile

CA | Financial Services | Banks - Diversified | NYSE
93.43 0.59 (0.64%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
68.09B
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
44.31B
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
8.16B
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
728.53M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
10.63
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
12.62
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
4.16%
Exchange Name of stock exchange where the trading item trades.
NYSE
Avg Volume The average number of shares traded each day over the past 30 days.
677.45K
Open The opening trade price over the trading day.
93.2
Previous Close The last closing price.
92.84
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
1.06
1 day delta The range between the high and low prices over the past day.
92.31-93.69
52 weeks The range between the high and low prices over the past 52 weeks.
76.98-106

Total Valuation

Bank of Montreal has a market cap or net worth of 94.24B. The enterprise value is 288.78B.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
94.24B
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
288.78B

Valuation Ratios

The trailing PE ratio is 11.56. Bank of Montreal's PEG ratio is 0.99.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
11.56
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
2.13
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
1.08
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
5.88
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
0.99

Enterprise Valuation

The stock's EV/EBITDA ratio is 98.97, with a EV/FCF ratio of 18.03.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
6.52
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
98.97
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
16.43
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
18.03

Financial Efficiency

Return on equity (ROE) is 9.77% and return on invested capital (ROIC) is 0.15%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
9.77%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
0.56%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
0.15%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.02
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 102.04%, with operating and profit margins of 6.96% and 18.42%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
102.04%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
6.96%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
24.01%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
18.42%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
0.00%

Income Statement

In the last 12 months, Bank of Montreal had revenue of 44.31B and earned 8.16B in profits. Earnings per share (EPS) was 10.63.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
44.31B
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
45.22B
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
4.89B
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
10.64B
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
8.16B
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
0
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
-2.12B
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
10.63

Financial Position

The company has a trailing 12 months (ttm) current ratio of 0, with a ttm Debt / Equity ratio of 3.13.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
0
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
0
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
3.13
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
3.45

Dividends & Yields

This stock pays an annual dividend of 6.2, which amounts to a dividend yield of 4.79%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
6.2
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
4.79%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
8.65%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
17.00%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
38.48%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
53.64%

Balance Sheet

The company has 79.8B in cash and 274.34B in debt, giving a net cash position of -194.54B.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
79.8B
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
274.34B
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
-194.54B
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
87.56B
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
120.07
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
180.06B

Cash Flow

In the last 12 months, operating cash flow of the company was 22.53B and capital expenditures -1.34B, giving a free cash flow of 20.97B.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
22.53B
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
-1.34B
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
20.97B
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
21.95

Bank of Montreal News

Apr 11, 2025 - prnewswire.com
BMO Announces Election of Board of Directors
TORONTO , April 11, 2025 /PRNewswire/ - Bank of Montreal (TSX: BMO) (NYSE: BMO) today held its Annual Meeting of Shareholders. At the meeting, all director nominees listed in the bank's management proxy circular dated February 10, 2025 were elected....[read more]
Apr 11, 2025 - zacks.com
BMO vs. IBN: Which Stock Is the Better Value Option?
Investors looking for stocks in the Banks - Foreign sector might want to consider either Bank of Montreal (BMO) or ICICI Bank Limited (IBN). But which of these two stocks is more attractive to value investors?...[read more]
Apr 10, 2025 - seekingalpha.com
Canadian Banks Ranking 2025 - Which Bank To Hold?
Let's rank the Big 6 Canadian banks from worst to best. Whether you already hold one of these financial giants or are considering adding a bank to your portfolio, this will help you understand key strengths, weaknesses, and long-term investment potential. Royal Bank of Canada is the best all-around performer right now....[read more]
Apr 9, 2025 - youtube.com
BMO's Siegerman talks the impact of tariffs on pharmaceutical stocks
Evan Seigerman, BMO, joins 'Fast Money' to talk the impact of tariffs on pharma space....[read more]
Apr 8, 2025 - seekingalpha.com
Ignore The Stumble: Bank of Montreal Is Still A Buy
Bank of Montreal has a rich history, being Canada's oldest bank, and has paid dividends consistently for 195 years. BMO is a diversified North American bank with 60% of revenue from Canada and 40% from the U.S., spanning personal banking, capital markets, and wealth management. Despite recent market struggles and a 20% drop from its 52-week-high, BMO's dividend yield of 5.1% offers a strong incentive for long-term investors....[read more]
Apr 7, 2025 - https://thefly.com
Saia upgraded to Outperform from Market Perform at BMO Capital
BMO Capital upgraded Saia to Outperform from Market Perform with an unchanged price target of $455. The shares are down 45% over the past year, including a 29% pullback year-to-date, amid rising macro uncertainty, driven by a shifting U.S. trade policy, the analyst tells investors in a research note. The firm considers the pullback to be a buying opportunity in a "quality franchise" within less-than-truckloads, what it views as an attractive transportation sub-sector. BMO says Saia's valuation h...[read more]
Mar 28, 2025 - marketwatch.com
Winnebago Shares Fall After Truist and BMO Cut Price Targets
Winnebago Industries shares declined after Truist Securities and BMO Capital reduced their price targets....[read more]
Mar 28, 2025 - youtube.com
Lululemon: Here's why BMO Capital lowered its price target on the stock
Simeon Siegel, managing director at BMO Capital Markets, joins Money Movers to discuss why his firm lowered Lululemon's price target to $302 from $313 and more....[read more]
Mar 26, 2025 - youtube.com
BMO's Brian Belski details the path to $6700 for the S&P 500
Brian Belski, chief investment strategist at BMO Capital Markets, joins 'Halftime Report' to explain how the S&P 500 will hit his firm's $6,700 price target....[read more]
Mar 24, 2025 - businesswire.com
Porter Airlines, BMO and Mastercard Launch First Canadian Credit Card Program Granting Immediate Airline Loyalty Benefits
TORONTO--(BUSINESS WIRE)--Porter Airlines, BMO and Mastercard are announcing the launch of two new BMO VIPorter Mastercard credit cards – creating the first and only travel credit card program in Canada that grants immediate frequent flyer benefits for cardholders in an airline's loyalty program, while enabling accelerated travel rewards. More than 30,000 people have joined the pre-launch waitlist since the program was announced in January 2025 as Canadians seek more choice and benefits from th....[read more]

Bank of Montreal Details

Country CA
City Montreal
Address 129 rue Saint Jacques
Ticker Symbol BMO
Exchange New York Stock Exchange
IPO Date Oct 27, 1994
CEO Mr. William Darryl White
Sector Financial Services
Industry Banks - Diversified
Employees 53.6K

Bank of Montreal Company Description

Bank of Montreal provides diversified financial services primarily in North America. The company's personal banking products and services include checking and savings accounts, credit cards, mortgages, and financial and investment advice services; and commercial banking products and services comprise business deposit accounts, commercial credit cards, business loans and commercial mortgages, cash management solutions, foreign exchange, specialized banking programs, treasury and payment solutions, and risk management products for small business and commercial banking customers. It also offers investment and wealth advisory services; digital investing services; financial services and solutions; and investment management, and trust and custody services. In addition, the company provides life insurance, accident and sickness insurance, and annuity products; creditor and travel insurance to bank customers; and reinsurance solutions. Further, it offers client's debt and equity capital-raising services, as well as loan origination and syndication, and treasury management; strategic advice on mergers and acquisitions, restructurings, and recapitalizations, as well as valuation and fairness opinions; and trade finance, risk mitigation, and other operating services. Additionally, the company provides research and access to markets for institutional, corporate, and retail clients; trading solutions that include debt, foreign exchange, interest rate, credit, equity, securitization and commodities; new product development and origination services, as well as risk management advice and services to hedge against fluctuations; and funding and liquidity management services to its clients. It operates through approximately 900 bank branches and 3,300 automated banking machines in Canada and the United States. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.

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