Bank of Montreal

$ 242.43 0.38 %

Bank of Montreal is a diversified financial services institution primarily serving North America. For individual customers, BMO offers core banking products such as checking and savings accounts, credit cards, mortgages, and specialized financial and investment advisory services. Its commercial banking division caters to both small businesses and larger corporations, providing business deposit accounts, commercial credit cards, loans, mortgages, cash management solutions, foreign exchange services, and risk management products. They also deliver specialized banking programs, treasury, and payment solutions. Beyond traditional banking, BMO provides investment and wealth advisory services, digital investing platforms, and comprehensive investment management, trust, and custody services. The company extends its offerings to include various insurance products, such as life, accident, and sickness coverage, annuities, and creditor and travel insurance for its banking clientele, alongside reinsurance solutions. For institutional and corporate clients, BMO's capital markets arm facilitates debt and equity capital raising, loan origination and syndication, and treasury management. They offer strategic counsel on mergers and acquisitions, restructurings, recapitalizations, and provide valuation and fairness opinions. Additional services include trade finance and risk mitigation. The bank also supplies in-depth research and market access to institutional, corporate, and retail clients. Its trading solutions cover a broad spectrum, including debt, foreign exchange, interest rates, credit, equities, securitization, and commodities. Furthermore, BMO is involved in new product development, offers risk management advice for hedging against market fluctuations, and provides funding and liquidity management services. The bank maintains a substantial physical presence across Canada and the United States, operating approximately 900 branches and 3,300 automated teller machines (ATMs). Bank of Montreal was established in 1817 and is headquartered in Montreal, Canada.

CEO: William Darryl White - https://www.bmo.com

Price objectif

-

Recommandation

Buy

DCF

$ 865.60

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BMO.TO vs S&P500

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Quick ratio

0.48

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

18.62

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

13.02

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

11.25 %

reflects reasonable profitability, showing good use of equity.

ROIC

0.65 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

8.28

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.95

means it relies more on debt, which can increase financial risk.

Free cash flow per share

55.93

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

52.43 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
9 indicates good financial health
Altman score
0.14 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.51 indicates that the company has a moderate ability to cover its short-term debts with its cash
Debt Ratio
0.11 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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