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Stock

Bank of Montreal

BMO
36
Banks - Diversified · Financial Services
Also trades as: BMO.TO CAD 236.40 (+0.42%) · 0UKH.L GBP 2.36 (+0.46%)
Price
$167.07
+1.02 (+0.61%)
Market Cap
$116.13B
Exchange
New York Stock Exchange
Winston Score
36
Winston is serious
Below-average fundamentals — multiple weak pillars.
Data as of Oct 18, 2026 · filings through Jul 31, 2026

§How the score breaks down

Bank Quality
Not counted
n/a
Growth
Mixed
9/20
Capital Strength
Not counted
n/a
Asset Quality
Not counted
n/a
Valuation
Good
5/10
Ownership
Weak
1/15
Dividends
Good
3/5

18 of 50 counted points = Winston Score 36. Pillars marked n/a do not apply to this company and are left out of the total.

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Share count rising — dilution

+11.5% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 648.7M (2021) → 723.3M (2025)

§Winston Score History

The full picture

Bank of Montreal, known as BMO, is one of Canada's oldest and largest banks, founded in 1817. It offers everyday banking services like checking accounts, mortgages, credit cards, and loans to regular people and businesses. It also provides investment banking, wealth management, and financial advisory services to larger corporate clients.

BMO makes money by charging interest on loans, collecting fees for financial services, and earning commissions on investment products. It operates primarily in Canada and the United States, where it significantly expanded its American presence after acquiring Bank of the West in 2023. With over $1 trillion in assets, BMO competes in a Canadian banking market dominated by just six major banks, giving it a stable but heavily regulated position. The main risk the company faces is rising loan defaults if interest rates stay high and borrowers struggle to repay their debts.

Politician Trades

2 trades / 12mo

2 Congressional buys and 0 sells on BMO in the last 12 months.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+4.6% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-23.9% YoY

YoY Growth Rate

Earnings declining

R&D Spend

C$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.1%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

C$1.4T cash & investments at current burn rate

Growth context

Bank of Montreal is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
-0.8%
Shrinking sales (-0.8% YoY)
Profit growth
EPS YoY
+6.8%
Modest earnings growth (+6.8% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
13.7x
Attractive valuation — P/E 13.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-3.5
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
2.90%
Moderate income — 2.90% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+6.1%
Dividend growing modestly (6.1% YoY)
Payout Ratio
56%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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