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Market Price

130.54 

0.51 0.4%

as of Nov 29 '22

52 Week Range:

113.73 154.47


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bank of Montreal provides diversified financial services primarily in North America. The company's personal banking products and services include checking and savings accounts, credit cards, mortgages, and financial and investment advice services; and commercial banking products and services comprise business deposit accounts, commercial credit cards, business loans and commercial mortgages, cash management solutions, foreign exchange, specialized banking programs, treasury and payment solutions, and risk management products for small business and commercial banking customers. It also offers investment and wealth advisory services; digital investing services; financial services and solutions; and investment management, and trust and custody services. In addition, the company provides life insurance, accident and sickness insurance, and annuity products; creditor and travel insurance to bank customers; and reinsurance solutions. Further, it offers client's debt and equity capital-raising services, as well as loan origination and syndication, and treasury management; strategic advice on mergers and acquisitions, restructurings, and recapitalizations, as well as valuation and fairness opinions; and trade finance, risk mitigation, and other operating services. Additionally, the company provides research and access to markets for institutional, corporate, and retail clients; trading solutions that include debt, foreign exchange, interest rate, credit, equity, securitization and commodities; new product development and origination services, as well as risk management advice and services to hedge against fluctuations; and funding and liquidity management services to its clients. It operates through approximately 900 bank branches and 3,300 automated banking machines in Canada and the United States. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17 Oct '18 Oct '19 Oct '20 Oct '21
Equity (BVPS) 39.53
40.25
42.50
46.85
55.34
57.97
59.73
63.38
70.86
77.18
82.94
growth rate 1.8% 5.6% 10.2% 18.1% 4.8% 3.0% 6.1% 11.8% 8.9% 7.5%
Earnings BIT 4,260.00
5,130.00
5,380.00
16,080.00
11,704.00
13,881.00
14,500.00
growth rate 20.4% 4.9% 198.9% -27.2% 18.6% 4.5%
Avg.PE 11.20
9.24
11.29
12.52
12.63
13.90
13.75
12.66
10.59
12.85
15.23
growth rate -17.5% 22.2% 10.9% 0.9% 10.1% -1.1% -7.9% -16.4% 21.3% 18.5%
ROA 0.70
0.79
0.76
0.76
0.69
0.67
0.74
0.71
0.68
0.54
0.78
growth rate 12.9% -3.8% 0.0% -9.2% -2.9% 10.5% -4.1% -4.2% -20.6% 44.4%
ROE 14.01
15.47
14.96
14.40
12.61
11.98
13.14
12.92
12.73
9.94
14.20
growth rate 10.4% -3.3% -3.7% -12.4% -5.0% 9.7% -1.7% -1.5% -21.9% 42.9%
ROIC 21.34
26.13
24.65
23.45
growth rate 22.5% -5.7% -4.9%
Leverage 18.90
20.06
19.09
18.82
17.74
17.89
17.69
18.70
18.64
18.29
18.34
growth rate 6.1% -4.8% -1.4% -5.7% 0.9% -1.1% 5.7% -0.3% -1.9% 0.3%
Balance Sheet Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17 Oct '18 Oct '19 Oct '20 Oct '21
Acct.Receivable 2,027.00
1,092.00
907.00
1,043.00
5,060.00
4,973.00
5,682.00
6,959.00
growth rate -46.1% -16.9% 15.0% 385.1% -1.7% 14.3% 22.5%
Acct.Payable 1,635.00
1,468.00
956.00
1,161.00
494,859.00
541,796.00
634,185.00
657,746.00
growth rate -10.2% -34.9% 21.4% 42,523.5% 9.5% 17.1% 3.7%
Cur.Assets 224,227.00
245,693.00
249,149.00
271,407.00
289,403.00
304,658.00
345,430.00
382,239.00
growth rate 9.6% 1.4% 8.9% 6.6% 5.3% 13.4% 10.7%
Total Assets 500,575.00
525,449.00
537,299.00
1,333,005.00
1,188,981.00
1,010,507.00
1,098,588.00
773,293.00
852,195.00
949,261.00
988,175.00
growth rate 5.0% 2.3% 148.1% -10.8% -15.0% 8.7% -29.6% 10.2% 11.4% 4.1%
Cash 25,656.00
26,282.00
32,601.00
444,500.00
408,139.00
348,518.00
365,391.00
40,487.00
46,908.00
57,297.00
93,151.00
growth rate 2.4% 24.0% 1,263.5% -8.2% -14.6% 4.8% -88.9% 15.9% 22.2% 62.6%
Inventory 158.00
109.00
76.00
55.00
58.00
55.00
27.00
11.00
growth rate -31.0% -30.3% -27.6% 5.5% -5.2% -50.9% -59.3%
Cur.Liabilities 509,449.00
554,618.00
585,988.00
606,670.00
661,926.00
732,324.00
831,025.00
871,617.00
growth rate 8.9% 5.7% 3.5% 9.1% 10.6% 13.5% 4.9%
Liabilities 474,222.00
496,794.00
506,890.00
1,257,084.00
1,120,313.00
951,165.00
1,032,430.00
727,572.00
801,119.00
892,668.00
930,652.00
growth rate 4.8% 2.0% 148.0% -10.9% -15.1% 8.5% -29.5% 10.1% 11.4% 4.3%
LT Debt 2,011.00
2,012.00
2,013.00
148,580.00
115,206.00
110,502.00
104,163.00
53,175.00
57,143.00
54,457.00
51,455.00
growth rate 0.1% 0.1% 7,281.0% -22.5% -4.1% -5.7% -49.0% 7.5% -4.7% -5.5%
Equity 26,353.00
28,655.00
30,409.00
75,920.00
68,668.00
59,342.00
66,158.00
41,381.00
46,386.00
51,903.00
53,873.00
growth rate 8.7% 6.1% 149.7% -9.6% -13.6% 11.5% -37.5% 12.1% 11.9% 3.8%
Common Shares 607.00
644.00
650.00
11,142.00
10,533.00
8,830.00
9,736.00
12,929.00
12,971.00
13,430.00
13,599.00
growth rate 6.1% 0.9% 1,614.2% -5.5% -16.2% 10.3% 32.8% 0.3% 3.5% 1.3%
Cash Flow Statement Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17 Oct '18 Oct '19 Oct '20 Oct '21
Capital Expenditures 368.00
366.00
377.00
5,367.00
5,036.00
4,646.00
4,944.00
330.00
478.00
399.00
484.00
growth rate -0.5% 3.0% 1,323.6% -6.2% -7.7% 6.4% -93.3% 44.9% -16.5% 21.3%
Cash Dividends 1,734.00
1,492.00
1,969.00
490.00
2,234.00
3,034.00
3,720.00
2,582.00
2,752.00
2,475.00
2,980.00
growth rate -14.0% 32.0% -75.1% 355.9% 35.8% 22.6% -30.6% 6.6% -10.1% 20.4%
Cash From OA 1,616.00
10,258.00
11,433.00
16,143.00
24,131.00
2,563.00
-4,322.00
-16,226.00
-18,706.00
-37,505.00
-8,195.00
growth rate 534.8% 11.5% 41.2% 49.5% -89.4% -100.0% 0.0% 0.0% 0.0% 0.0%
FCF per Share -0.11
14.77
2.39
6.43
3.39
-10.01
-5.20
13.61
22.02
137.40
23.91
growth rate 100.0% -83.8% 169.0% -47.3% -100.0% 0.0% 100.0% 61.8% 524.0% -82.6%
Sale Purchase of Stock 995.00
-60.00
-10.00
19.00
growth rate -100.0% 0.0% 100.0%
FCF -68.00
9,579.00
10,797.00
-3,664.00
1,809.00
-3,268.00
2,117.00
17,026.00
28,175.00
49,804.00
43,066.00
growth rate 100.0% 12.7% -100.0% 100.0% -100.0% 100.0% 704.3% 65.5% 76.8% -13.5%
Income Statement Oct '11 Oct '12 Oct '13 Oct '14 Oct '15 Oct '16 Oct '17 Oct '18 Oct '19 Oct '20 Oct '21
Sales 13,943.00
16,130.00
16,263.00
58,770.00
42,827.00
57,094.00
52,274.00
22,243.00
24,611.00
22,233.00
27,059.00
growth rate 15.7% 0.8% 261.4% -27.1% 33.3% -8.4% -57.5% 10.7% -9.7% 21.7%
Op.Income 3,990.00
5,127.00
5,377.00
5,618.00
5,752.00
6,176.00
7,116.00
7,917.00
8,322.00
6,981.00
11,692.00
growth rate 28.5% 4.9% 4.5% 2.4% 7.4% 15.2% 11.3% 5.1% -16.1% 67.5%
IBT 3,990.00
5,127.00
2,747.00
2,423.00
4,804.00
7,609.00
7,414.00
7,272.00
6,348.00
10,258.00
growth rate 28.5% -26.8% -11.8% 98.3% 58.4% -2.6% -1.9% -12.7% 61.6%
Net Income 3,041.00
4,115.00
4,183.00
2,202.00
1,268.00
2,549.00
5,150.00
5,453.00
5,758.00
5,097.00
7,754.00
growth rate 35.3% 1.7% -47.4% -42.4% 101.0% 102.0% 5.9% 5.6% -11.5% 52.1%
EPS 4.84
6.10
6.17
6.41
6.57
6.92
7.92
8.17
8.66
7.55
11.58
growth rate 26.0% 1.2% 3.9% 2.5% 5.3% 14.5% 3.2% 6.0% -12.8% 53.4%
Gross Profit 17,662.00
18,777.00
20,316.00
21,361.00
22,243.00
24,611.00
22,233.00
27,059.00
growth rate 6.3% 8.2% 5.1% 4.1% 10.7% -9.7% 21.7%

Quarterly Statements

Item Name Jul '21 Oct '21 Jan '22 Apr '22 Jul '22
Balance Sheet
Acct.Receivable 1,145.00
6,959.00
1,615.00
1,242.00
1,545.00
growth rate 507.8% -76.8% -23.1% 24.4%
Acct.Payable 680,553.00
657,746.00
704,949.00
713,714.00
729,385.00
growth rate -3.4% 7.2% 1.2% 2.2%
Cur.Assets 351,264.00
382,239.00
344,026.00
344,626.00
349,315.00
growth rate 8.8% -10.0% 0.2% 1.4%
Total Assets 971,358.00
988,175.00
1,023,172.00
1,041,565.00
1,068,338.00
growth rate 1.7% 3.5% 1.8% 2.6%
Cash 83,719.00
93,151.00
50,013.00
70,172.00
69,586.00
growth rate 11.3% -46.3% 40.3% -0.8%
Inventory 11.00
growth rate
Cur.Liabilities 850,095.00
871,617.00
897,898.00
910,127.00
932,990.00
growth rate 2.5% 3.0% 1.4% 2.5%
Liabilities 913,662.00
930,652.00
963,368.00
975,973.00
1,001,344.00
growth rate 1.9% 3.5% 1.3% 2.6%
LT Debt 26,429.00
51,455.00
28,249.00
27,697.00
27,181.00
growth rate 94.7% -45.1% -2.0% -1.9%
Equity 53,756.00
53,873.00
56,154.00
62,542.00
63,944.00
growth rate 0.2% 4.2% 11.4% 2.2%
Common Shares 13,609.00
13,599.00
13,625.00
17,038.00
17,392.00
growth rate -0.1% 0.2% 25.1% 2.1%
Cash Flow Statement Jul '21 Oct '21 Jan '22 Apr '22 Jul '22
Capital Expenditures 124.00
157.00
135.00
166.00
175.00
growth rate 26.6% -14.0% 23.0% 5.4%
Cash Dividends 755.00
746.00
746.00
617.00
599.00
growth rate -1.2% 0.0% -17.3% -2.9%
Cash From OA -28,263.00
4,134.00
-32,408.00
9,179.00
-18,409.00
growth rate 100.0% -100.0% 100.0% -100.0%
Sale Purchase of Stock
growth rate
FCF -28,387.00
3,977.00
-32,543.00
9,013.00
-18,584.00
growth rate 100.0% -100.0% 100.0% -100.0%
Income Statement Jul '21 Oct '21 Jan '22 Apr '22 Jul '22
Sales 7,608.00
6,669.00
7,822.00
9,268.00
5,963.00
growth rate -12.3% 17.3% 18.5% -35.7%
Op.Income 3,129.00
3,007.00
4,045.00
6,510.00
1,842.00
growth rate -3.9% 34.5% 60.9% -71.7%
IBT 2,964.00
2,799.00
3,895.00
6,363.00
1,691.00
growth rate -5.6% 39.2% 63.4% -73.4%
Net Income 2,275.00
2,159.00
2,933.00
4,756.00
1,365.00
growth rate -5.1% 35.9% 62.2% -71.3%
EPS
growth rate
Gross Profit 7,608.00
6,669.00
7,822.00
9,268.00
5,963.00
growth rate -12.3% 17.3% 18.5% -35.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (43.58)

YOY Growth Grade:

D (40.76)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.07 15.88 12.18
EPS / Growth 10.5% 8.22 5.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 2.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.7% 6.2% 6.2%
Future PE 5.44 13.57 13.57
Future EPS 10.75 15.04 15.04
Value Price
MOS %
14.45
-88.9%
50.45
-61.4%
50.45
-61.4%
MOS Price 7.23 25.22 25.22
IRT 13.08 10.89 10.89

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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