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Bank of Montreal

BMO
47
Banks - Diversified · Financial Services
Exchange
New York Stock Exchange
Winston Score
47
Winston is serious
Mixed quality — meaningful strengths and weaknesses.

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.

Winston Score History

Politician Trades

4 trades / 12mo

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

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Score breakdown

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Quality

Gross Margin
45.6%
Healthy — 45.6% gross margin
Operating Margin
18.1%
Healthy — 18.1% operating margin
ROCE
1.4%
Weak — 1.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
-3.5%
Shrinking sales (-3.5% YoY)
EPS YoY
+20.2%
Earnings growing fast (20.2% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion
200%
Turns 200% of profit into real cash
FCF Margin
23.0%
Converts sales into free cash efficiently (23.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity
1.95
Elevated debt (1.95)
Interest Cover
0.33x
Dangerous — barely covers interest (0.3x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)
14.1x
no trend
Attractive valuation — P/E 14.1

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

P/E vs Forward
+1.6
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield
2.67%
no trend
Moderate income — 2.67% yield

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

Dividend Growth
+6.2%
no trend
Dividend growing modestly (6.2% YoY)

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