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Bank of Montreal BMO

US equityMarket cap rank #128
$170.60
+$0.23 (+0.14%)
Market open · Sep 24, 2:00 pm ET
After hours $170.37 0.00%
Open$170.29
Prev close$170.37
Day range$168.86 – $171.10
Volume164.9K
Market cap$119.49B
P/E (TTM)19.6
Dividend yield2.79%

Fundamentals

Latest reported quarter: Q3, ended Jul 2026 · reported in CAD

RevenueC$9.91B+10.8% YoY
Net profitC$1.75B-24.9% YoY
Diluted EPSC$2.38-24.2% YoY
Free cash flowC$26.17B+667.5% YoY
Operating cash flowC$26.74B

Revenue, last 8 quarters

C$8.3BOct '24C$9.2BJan '25C$8.7BApr '25C$8.9BJul '25C$9.3BOct '25C$9.8BJan '26C$9.5BApr '26C$9.9BJul '26

Net profit, last 8 quarters

C$2.3BOct '24C$2.1BJan '25C$2.0BApr '25C$2.3BJul '25C$2.3BOct '25C$2.5BJan '26C$2.6BApr '26C$1.8BJul '26

Diluted EPS by quarter

2.94Oct '242.83Jan '252.50Apr '253.14Jul '252.97Oct '253.39Jan '263.53Apr '262.38Jul '26

Free cash flow by quarter

C$4.3BOct '24C$4.5BJan '25C$-3.6BApr '25C$-4.6BJul '25C$12.3BOct '25C$1.4BJan '26C$8.6BApr '26C$26.2BJul '26

Annual revenue

C$25.0BFY20C$26.9BFY21C$26.3BFY22C$31.1BFY23C$32.0BFY24C$36.1BFY25

Profitability & balance sheet

Net margin22.6%
Return on equity10.2%
Return on assets0.6%
Liabilities / assets94.4%
Cash & investmentsC$77.29B
Total debtC$312.82B
Net cash (debt)-C$235.53B
Free cash flow / sales126.0%

Where the revenue comes from

Quarter 2026/Q3

By business line

  • Canadian Personal and Commercial Banking (P&C)C$3.26B 32.6%
  • U.S. BankingC$3.03B 30.3%
  • Capital MarketsC$2.13B 21.3%
  • Wealth ManagementC$1.58B 15.8%

This company reports in its own local currency, not U.S. dollars. Every figure below is labeled with its real currency, not automatically converted.

Income statement

Line item 2026 Q3
(CAD)
2026 Q2
(CAD)
2026 Q1
(CAD)
2025 ANNUAL
(CAD)
2025 Q4
(CAD)
Total Revenue as Reported C$9.90B C$9.57B C$9.82B C$36.27B C$9.34B
Total Operating Revenue C$9.91B C$9.54B C$9.80B C$36.10B C$9.26B
Net Interest Income C$5.57B C$5.27B C$5.64B C$21.49B C$5.50B
-Interest Income C$15.79B C$15.01B C$15.16B C$63.54B C$15.52B
-Interest Expense C$10.22B C$9.75B C$9.52B C$42.05B C$10.02B
Non-Interest Income C$4.34B C$4.27B C$4.16B C$14.61B C$3.76B
-Total Premiums Earned C$160.00M C$151.00M C$145.00M C$545.00M C$157.00M
-Fees and Commissions C$2.58B C$2.44B C$2.47B C$8.97B C$2.32B
-Trading Gain Loss C$850.00M C$883.00M C$866.00M C$2.58B C$557.00M
-Investment Banking Profit C$500.00M C$504.00M C$426.00M C$1.70B C$455.00M
-Foreign Exchange Trading Gains C$81.00M C$86.00M C$76.00M C$271.00M C$68.00M
-Other Non-Interest Income C$113.00M C$119.00M C$93.00M C$255.00M C$89.00M
-Gain Loss on Sale of Assets C$53.00M C$86.00M C$85.00M C$287.00M C$114.00M
Credit Losses Provision -C$722.00M -C$739.00M -C$746.00M -C$3.62B -C$755.00M
Non-Interest Expense C$5.57B C$5.30B C$5.79B C$20.92B C$5.37B
Occupancy and Equipment C$1.21B C$1.14B C$1.14B C$4.47B C$1.22B
Professional Expense and Contract Services Expense C$176.00M C$152.00M C$168.00M C$678.00M C$219.00M
Selling and Admin Expenses C$3.44B C$3.28B C$3.73B C$12.82B C$3.20B
-Selling & Marketing Expense C$269.00M C$194.00M C$180.00M C$806.00M C$224.00M
-General & Admin Expense C$3.17B C$3.08B C$3.55B C$12.02B C$2.98B
Depreciation & Amortization & Depletion C$302.00M C$296.00M C$294.00M C$1.15B C$290.00M
-Depreciation & Amortization C$302.00M C$296.00M C$294.00M C$1.15B C$290.00M
Other Non-Interest Expenses C$443.00M C$436.00M C$453.00M C$1.79B C$444.00M
Other Income (Expense) -C$1.12B C$1.00M C$59.00M -C$17.00M -C$103.00M
Income from Associates & Other Participating Interests C$51.00M C$37.00M C$41.00M C$175.00M C$83.00M
Special Income (Charges) -C$1.18B -C$36.00M C$18.00M -C$192.00M -C$186.00M
-Less:Restructuring and Mergern & Acquisition C$69.00M C$10.00M C$25.00M C$17.00M C$4.00M
-Gain on Sale of Business -C$1.11B -C$26.00M -C$4.00M -C$102.00M -C$102.00M
Pretax Profit C$2.50B C$3.50B C$3.33B C$11.55B C$3.03B
Tax C$746.00M C$868.00M C$836.00M C$2.83B C$735.00M
Net Profit C$1.75B C$2.63B C$2.49B C$8.73B C$2.30B
Profit from Continuing Operations C$1.75B C$2.63B C$2.49B C$8.73B C$2.30B
Minority Interests C$2.00M C$4.00M -C$1.00M C$16.00M C$7.00M
Net Income to Parent Company C$1.75B C$2.63B C$2.49B C$8.71B C$2.29B
Preferred Stock Dividends C$81.00M C$139.00M C$81.00M C$436.00M C$163.00M
Net Income to Common Stockholders C$1.67B C$2.49B C$2.41B C$8.27B C$2.13B
Basic EPS C$2.38 C$3.54 C$3.40 C$11.46 C$2.98
Diluted EPS C$2.38 C$3.53 C$3.39 C$11.44 C$2.97
Dividend Per Share C$1.71 C$1.67 C$1.67 C$6.44 C$1.63
-Less:Impairment of Capital Assets – C$0.00 – C$92.00M –
-Less:Other Special Charges – – -C$47.00M -C$19.00M -C$12.00M

Balance sheet

Line item 2026 Q3
(CAD)
2026 Q2
(CAD)
2026 Q1
(CAD)
2025 ANNUAL
(CAD)
2025 Q4
(CAD)
Total Assets C$1.54T C$1.50T C$1.46T C$1.48T C$1.48T
Cash, Cash Equivalents & Federal Funds Sold C$186.30B C$184.83B C$179.97B C$199.74B C$199.74B
-Cash and Cash Equivalents C$77.29B C$67.15B C$70.25B C$70.32B C$70.32B
-Money Market Investments C$109.02B C$117.68B C$109.73B C$129.42B C$129.42B
Securities Investment C$455.18B C$441.18B C$417.42B C$418.91B C$418.91B
-Trading Securities C$201.37B C$204.07B C$191.91B C$178.66B C$178.66B
-Available for Sale Securities C$116.74B C$114.93B C$114.62B C$206.42B C$206.42B
-Short Term Investments C$137.07B C$122.18B C$110.89B C$33.84B C$33.84B
Derivative Assets C$68.00B C$62.36B C$69.40B C$57.15B C$57.15B
Net Loan C$699.94B C$682.15B C$672.14B C$681.73B C$681.73B
-Gross Loan C$705.19B C$687.22B C$677.21B C$686.78B C$686.78B
-Allowance for Loans and Lease Losses C$5.25B C$5.06B C$5.07B C$5.05B C$5.05B
Receivables C$47.89B C$52.20B C$47.38B C$54.18B C$54.18B
-Accounts Receivable C$45.93B C$50.33B C$45.20B C$52.21B C$52.21B
-Other Receivables C$1.97B C$1.87B C$2.18B C$1.97B C$1.97B
Net PPE C$6.33B C$6.17B C$6.14B C$6.28B C$6.28B
Goodwill and Other Intangible Assets C$21.24B C$21.64B C$21.63B C$21.56B C$21.56B
-Goodwill C$16.09B C$16.60B C$16.62B C$16.80B C$16.80B
-Other Intangible Assets C$5.16B C$5.04B C$5.02B C$4.76B C$4.76B
Acceptance Bills C$1.43B C$1.20B C$1.08B C$711.00M C$711.00M
Deferred Assets C$3.16B C$2.78B C$2.60B C$2.73B C$2.73B
Other Assets C$49.20B C$45.04B C$40.35B C$24.12B C$24.12B
Total Liabilities C$1.45T C$1.41T C$1.37T C$1.39T C$1.39T
Total Deposits C$775.42B C$751.23B C$744.98B C$759.35B C$759.35B
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase C$124.98B C$125.68B C$132.28B C$134.97B C$134.97B
Derivative Product Liabilities C$69.60B C$64.06B C$65.39B C$58.73B C$58.73B
Short-Term Debt and Capital Lease Obligation C$118.95B C$110.08B C$105.67B C$113.34B C$113.34B
-Current Debt C$118.95B C$110.08B C$105.67B C$113.34B C$113.34B
Trading Liabilities C$51.10B C$62.95B C$47.41B C$54.88B C$54.88B
Payables C$50.95B C$56.71B C$43.34B C$67.97B C$67.97B
-Accounts Payable C$50.95B C$56.71B C$43.34B C$62.90B C$62.90B
Long Term Debt and Capital Lease Obligation C$193.87B C$177.47B C$169.36B C$166.89B C$166.89B
-Long Term Debt C$193.87B C$177.47B C$169.36B C$163.57B C$163.57B
Other Liabilities C$67.25B C$65.75B C$63.96B C$31.53B C$31.53B
Total Equity C$86.57B C$85.62B C$85.75B C$88.10B C$88.10B
Stockholders' Equity C$86.52B C$85.57B C$85.71B C$88.05B C$88.05B
Capital Stock C$25.02B C$25.09B C$25.26B C$24.91B C$24.91B
-Common Stock C$23.47B C$23.54B C$23.71B C$23.36B C$23.36B
-Preferred Stock C$1.55B C$1.55B C$1.55B C$1.55B C$1.55B
Additional Paid-In Capital C$403.00M C$390.00M C$379.00M C$373.00M C$373.00M
Retained Earnings C$47.73B C$48.05B C$47.72B C$47.38B C$47.38B
Gains/Losses Not Affecting Retained Earnings C$7.21B C$5.88B C$6.19B C$7.99B C$7.99B
Other Equity Interests C$6.16B C$6.16B C$6.16B C$7.41B C$7.41B
Minority Interests C$50.00M C$47.00M C$46.00M C$49.00M C$49.00M
Long Term Equity Investment – – – C$1.79B C$1.79B
-Gross PPE – – – C$13.21B C$13.21B
-Accumulated Depreciation – – – -C$6.93B -C$6.93B
Bank-Owned Life Insurance – – – C$6.51B C$6.51B
Defined Pension Benefit – – – C$1.40B C$1.40B
-Total Tax Payable – – – C$329.00M C$329.00M
-Due to Related Parties – – – C$4.74B C$4.74B
-Long Term Capital Lease Obligation – – – C$3.32B C$3.32B
Employee Benefits – – – C$1.05B C$1.05B
Non-Current Deferred Liabilities – – – C$1.00M C$1.00M

Cash flow

Line item 2026 Q3
(CAD)
2026 Q2
(CAD)
2026 Q1
(CAD)
2025 ANNUAL
(CAD)
2025 Q4
(CAD)
Operating Cash Flow C$26.74B C$9.12B C$1.80B C$10.24B C$12.77B
Net cash flow from continuing operations C$26.74B C$9.12B C$1.80B C$10.24B C$12.77B
Net Income from Continuing Operations C$1.75B C$2.63B C$2.49B C$8.73B C$2.30B
Gain/Loss from Continuing Operations C$983.00M -C$123.00M -C$126.00M -C$462.00M -C$197.00M
Depreciation & Depletion & Amortization C$558.00M C$545.00M C$547.00M C$2.18B C$556.00M
Deferred Tax -C$322.00M -C$131.00M C$16.00M C$12.00M -C$147.00M
Change in Working Capital C$23.05B C$5.45B -C$1.87B -C$4.01B C$9.33B
-Change in Loans -C$3.69B -C$19.44B C$23.33B C$16.87B C$11.35B
-Change in Other Working Capital C$26.74B C$24.88B -C$25.20B -C$20.88B -C$2.03B
Net cash flow from investing -C$12.73B -C$13.58B C$298.00M C$605.00M -C$2.01B
Net Cash Flow from Continuing Investing Activities -C$12.73B -C$13.58B C$298.00M C$605.00M -C$2.01B
Proceeds Payment in Interest Bearing Deposits in Bank C$229.00M -C$472.00M -C$114.00M C$854.00M C$1.40B
Net PPE Purchase and Sale -C$572.00M -C$476.00M -C$384.00M -C$1.73B -C$499.00M
Net Business Purchase and Sale C$0.00 C$0.00 -C$48.00M – –
Net Investment Purchase and Sale -C$12.38B -C$12.63B C$844.00M C$1.48B -C$2.91B
Financing Cash Flow -C$5.30B C$1.27B -C$627.00M -C$8.67B -C$2.56B
Net Cash Flow from Continuing Financing Activities -C$5.30B C$1.27B -C$627.00M -C$8.67B -C$2.56B
Net Issuance Payments of Debt -C$1.10B -C$100.00M -C$104.00M -C$321.00M -C$85.00M
Net Common Stock Issuance -C$844.00M -C$1.14B -C$1.01B -C$3.24B -C$1.32B
Net Preferred Stock Issuance C$0.00 C$0.00 -C$1.25B C$865.00M -C$200.00M
Cash Dividends Paid -C$1.31B -C$1.26B -C$1.32B -C$5.03B -C$1.23B
Net Other Financing Activities -C$2.05B C$3.76B C$3.05B -C$948.00M C$274.00M
Ending Cash Balance C$74.09B C$63.82B C$67.38B C$67.48B C$67.48B
Net Change in Cash C$8.72B -C$3.19B C$1.47B C$2.17B C$8.20B
Beginning Cash Balance C$63.82B C$67.38B C$67.48B C$65.10B C$58.59B
Effect of Exchange Rate Changes C$1.55B -C$365.00M -C$1.58B C$214.00M C$698.00M
Free Cash Flow C$26.17B C$8.65B C$1.42B C$8.51B C$12.27B
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