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Data-driven stock valuation

Bank of Montreal (BMO) fair value: what the stock is really worth

As of Nov 5, 2026: fair value (intrinsic value) of Bank of Montreal stock $126, price $172, that is 26.7% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · Home Canada · ISIN CA0636711016

BO Bank of Montreal logo Broad data Nov 6, 2026

Bank of Montreal

BMO · US
Solid, but expensive

Our calculation puts a fair price 27% below what the stock costs today.

Highly profitable · 25.7% net margin (TTM)
3.9% dividend yield · Sustainable
Wide moat 67/100
Positive coverage
Broad data
Quality 57/100
Mixed Growth (revenue 5y +17.9 %/yr in USD)
Mixed vs. peers (7/15)
Fair value $126.32 · Overvalued (−26.7%)

Risks from the AI analysis

🚩Leadership transition in U.S. subsidiaries🚩Regulatory scrutiny on compliance and client policies
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$185.81 $66.14 Fair Value $126.32 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $66.14 – $185.81 · fair‑value band $106.97 – $178.28 · the $172.45 price screens above the $126.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

Bank of Montreal provides diversified financial services primarily in North America. It operates through Canadian Personal and Commercial Banking; U.S. Banking; Wealth Management; and Capital Markets segments.

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The company offers checking accounts, savings, money markets and certificates of deposits, debit cards, overdrafts, digital banking, credit cards, loans, mortgages, investment and retirement options, and other banking services; and commercial banking products and services comprise various of financing options and treasury and payment solutions, as well as risk management products.

It also offers investing, banking, and wealth management advisory; digital investing services; financial solutions for individuals, families, and businesses; offers investment management services to institutional, retail, and high net worth investors; and diversified insurance, and wealth and pension de-risking solutions.

In addition, the company provides individual life, critical illness and annuity products, as well as segregated funds, and group creditor and travel insurance to customers; debt and equity capital-raising, loan origination and syndication, balance sheet management, treasury management, mergers and acquisitions advice, restructurings and recapitalizations, trade finance, and risk mitigation services, as well as a range of banking and other operating services.

Further, the company offers research and access to financial markets for institutional, corporate and retail clients through an integrated suite of sales and trading solutions related to debt, foreign exchange, interest rates, credit, equities, securitization, and commodities; provides new product development and origination services, as well as risk management and advisory services for hedging strategies, including in interest rates, foreign exchange rates and commodities prices; and funding and liquidity management services.

Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.

Stock analysis

Bank of Montreal (BMO) currently trades at $172.45, while our model-based Fair Value estimate is $126.32, 27% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $122.37 per share, and 0 of the 6 models we run sit above the $172.45 price.

Bear case: the Asset-Based group reads lowest at $64.10, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $106.97 (bear) to $178.28 (bull), the price of $172.45 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bank of Montreal reported revenue of $78.1B in FY2025 versus $32.5B in FY2021, a compound +24.5%/yr. Reported net income was $8.7B in FY2025, compounding +2.9%/yr from FY2021.

Key figures

Market cap $117B Large · P/E ratio 19.5 · P/S ratio 2.17 · EPS (TTM) $8.85 · Dividend yield 3.9% · Net margin 11.1% · Return on equity 10.6% · Return on assets (EBIT) 0.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (medium confidence).

What moves the price

The share trades about 7% below its 52-week high and 47% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −27%, BMO screens richer than that median.

Fair Value models

Bear $106.97 Fair Value $126.32 Bull $178.28
Price $172.45 · Downside -26.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($2.17 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $109.84 $120.97 $145.58 76
Gordon GGM $63.48 $126.32 $191.03 67
DDM Multi-Stage $63.48 $109.25 $133.37 67
All 6 models by family
Dividend Discount
Gordon GGM $63.48 $126.32 $191.03 67
DDM Multi-Stage $63.48 $109.25 $133.37 67
Multiples
P/E Multiple $122.16 $162.88 $203.60 63
P/B Multiple $91.78 $122.37 $152.96 55
Asset-Based
NCAV (Graham) $47.83 $64.10 $95.66 54
Economic Profit
Residual Income $109.84 $120.97 $145.58 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 24
How much profit the company makes from its sales and capital
Quality Growth 58
Are margins and returns getting better?
Cashflow 58
Do the profits arrive as real cash?
Financial strength 16
Debt, balance sheet and risk of trouble
Investment 72
Does it invest with discipline instead of growing at any price?
Low Volatility 70
How calm the share price moves, does not count
Price momentum 58
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 82
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 89/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.9%
Start year 2020 (pandemic). Over 10 years: +12.7% a year
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+9.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.0%
Dividend (yield on the price)3.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.0% vs 6.0%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.19% → 15%
Pace: the 5-year rate starts in 2020 (pandemic)

BMO screens overvalued: fair value 27% below the price. Compare with JPMorgan Chase & Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (91 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.
Note from the team Oct 29, 2026
AI conclusion: BMO draws a moderate moat from Canadian scale and customer switching costs, yet this is offset by low innovation and standard governance.
Main risk: Canadian and US regulators could impose further fines or restrictions on BMO for disclosure violations or client screening practices, raising compliance costs and affecting customer acquisition in retail and commercial banking.
Bull case: BMO could strengthen its compliance frameworks and leverage its scale to navigate regulatory demands more efficiently than smaller rivals, maintaining stable operations across its diversified banking and wealth businesses.
Bear case: Repeated regulatory actions might force costly operational changes, limit certain client segments and erode trust, pressuring margins in BMO's core Canadian retail and US commercial activities over time.
BMO has expanded its U.S. operations into a meaningful part of its diversified banking model. The upcoming shift in leadership for those U.S. subsidiaries brings uncertainty around sustaining commercial loan growth and capital markets momentum. Our models see the stock as overvalued, so does the transition preserve execution strength or reveal new risks in cross-border integration?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Diversified · 46 stocks

Beats the industry median on 7/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 57 · Below median
Fair Value upside −26.7% · Above median
Profitability
Return on equity (12 months) 10.6% · Below median
Return on assets 0.6% · Below median
Net margin (12 months) 25.7% · Bottom 25%
Operating margin (12 months) 30.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 12.0% · Top 25%
Dividend yield (12 months) 3.9% · Above median
Balance sheet
Debt / equity 0.67× · Below median

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (12 months) 19.5× · Priciest 25%
P/B 1.33× · Cheaper than median
P/S (12 months) 3.27× · Cheaper than median
Price / free cash flow (fiscal year) 13.7× · Pricier than median
EV/EBITDA 7.7× · Cheaper than median
PEG 1.52× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 0
FUTURE (revenue growth)60 · sector 36
PAST (return on equity)42 · sector 47
HEALTH (low debt)66 · sector 40
DIVIDEND (yield)77 · sector 69

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Agricultural Bank of China Limited 601288 ¥7.25 ¥9.14 +26% vs BMO
Industrial and Commercial Bank of China Limited 601398 ¥8.35 ¥10.52 +26% vs BMO
Bank of China Limited 601988 ¥6.77 ¥7.73 +14% vs BMO
China Construction Bank Corporation 601939 ¥11.91 ¥13.33 +12% vs BMO
Bank of America Corporation BAC $49.76 $42.16 −15% vs BMO
Citigroup Inc C $118.45 $96.55 −18% vs BMO
Wells Fargo & Company WFC $84.80 $66.59 −21% vs BMO
Mitsubishi UFJ Financial Group MUFG $21.14 $14.73 −30% vs BMO
Royal Bank of Canada RY $203.76 $132.82 −35% vs BMO
JPMorgan Chase & Co JPM $337.34 $187.04 −45% vs BMO

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Bank of Montreal: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank of Montreal Fair Value". https://www.fairvalue-calculator.com/stock/BMO

Frequently asked questions

Is Bank of Montreal (BMO) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $126.32 versus a price of $172.45, about 27% lower (overvalued).
What is the fair value of BMO?
Our model-based fair value for Bank of Montreal is $126.32 (as of Nov 6, 2026), built from audited fundamentals. The current price: $172.45.
What is the quality score of BMO?
Bank of Montreal has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of Montreal (BMO)?
Our model-based price target is the fair value of $126.32 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $106.97, optimistic scenario $178.28. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of Montreal stock forecast for 2026?
Our models put fair value at $126.32, about 27% lower versus a price of $172.45 (overvalued). Cautious scenario $106.97, optimistic scenario $178.28. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of Montreal (BMO)?
Bank of Montreal reported trailing-twelve-month revenue of about $35.7B (latest available figure, as of Nov 6, 2026).
Does Bank of Montreal pay a dividend?
Bank of Montreal currently shows a dividend yield of 3.87% relative to its recent price (as of Nov 6, 2026).
What is the intrinsic value of Bank of Montreal (BMO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of Montreal it is $126.32 per share (as of Nov 6, 2026), against a price of $172.45. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank of Montreal stock overvalued or undervalued in 2026?
As of Nov 6, 2026, BMO trades above its calculated fair value: price $172.45, fair value $126.32, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BMO?
No. The price is what the market pays today ($172.45); the fair value is what the company's own numbers justify ($126.32). For Bank of Montreal the two are $46.13 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of Montreal worth?
The market values Bank of Montreal at about $117B (market capitalisation, as of Nov 6, 2026). Per share that is $172.45; our models calculate a fair value of $126.32 per share.
What do the bullish and bearish scenarios say about BMO?
Our models span a range for Bank of Montreal: cautious scenario $106.97, base $126.32, optimistic $178.28 per share (as of Nov 6, 2026, price $172.45). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BMO?
Bank of Montreal trades at a price-to-earnings ratio of 19.5 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $126.32 is built from several models across several years. Other multiples: PEG 1.5, P/B 1.3, P/S 3.3, EV/EBITDA 7.7.
What is the PEG ratio of BMO?
The PEG ratio of Bank of Montreal is 1.52 (P/E divided by earnings growth, as of Nov 6, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bank of Montreal (BMO)?
Balance-sheet figures for Bank of Montreal (as of Nov 6, 2026): return on equity 10.6%, debt of 0.67 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is BMO from its 52-week high?
Bank of Montreal trades at $172.45, about 7% below its 52-week high of $185.81 and 47% above the low of $117.11 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of $126.32 is for.
Which stocks are comparable to Bank of Montreal?
From the same area (Financial Services) we also value JPMorgan Chase & Co, China Construction Bank Corporation, Industrial and Commercial Bank of China Limited, Agricultural Bank of China Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of Montreal stock attractive at the current price?
The data as of Nov 6, 2026: price $172.45, calculated fair value $126.32 (−27%), Quality Score 57/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BMO calculated?
We run Bank of Montreal through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $126.32, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Bank of Montreal itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of Montreal (BMO)?
The closing price on Nov 5, 2026 was $172.45. Our model-based fair value is $126.32, about 27% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of Montreal right now?
Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank of Montreal (BMO) come from?
Earnings per share at Bank of Montreal grew +3.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.3 %, EBIT margin −6.8 %, tax rate −0.4 %, residual (interest, one-offs) −0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank of Montreal

How large is the market capitalisation of Bank of Montreal (BMO)?
The market capitalisation of Bank of Montreal is $117B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of Montreal (BMO)?
The price-to-sales ratio of Bank of Montreal is 2.17 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of Montreal (BMO)?
Earnings per share at Bank of Montreal are $8.85 (price ÷ EPS = P/E 19.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank of Montreal (BMO)?
The dividend yield of Bank of Montreal is 3.9% (payout 75.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank of Montreal (BMO)?
The net margin of Bank of Montreal is 11.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank of Montreal (BMO)?
The return on equity (ROE) of Bank of Montreal is 10.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank of Montreal (BMO)?
On an EBIT basis the return on assets of Bank of Montreal is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank of Montreal (BMO)?
The operating margin of Bank of Montreal is 30.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of Montreal (BMO)?
Revenue at Bank of Montreal is growing +12.0% versus a year earlier (3y avg +28.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank of Montreal (BMO)?
Earnings per share at Bank of Montreal are growing −24.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank of Montreal (BMO) generate?
The free cash flow of Bank of Montreal is $8.5B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank of Montreal (BMO) carry?
The net debt of Bank of Montreal is $345B (fiscal year 2025, ≈ 40.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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