What is Bank of Montreal's earnings per share (EPS)?

Bank of Montreal (BMO) reported diluted earnings per share of $8.17 for fiscal year 2025. This represents a 19.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bank of Montreal (BMO) Financials

BMO

Trailing 12 months to January 31, 2026

Revenue $26.7B +8.6% YoY

Net Income $6.6B +12.7% YoY

EPS (Diluted) $8.70 +14.8% YoY

Operating Cash Flow $5.1B -54.2% YoY

Market Cap $118.5B as of Oct 21, 2026

Price / Sales 4.4x on $26.7B revenue, trailing 12 months to January 31, 2026

Price / Earnings 18.0x on $6.6B net income, trailing 12 months to January 31, 2026

Price / Book 1.9x on $63.2B equity, Q1 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (40-F/6-K) Latest period Q1 FY2026, ended Jan 31, 2026 Reported Feb 25, 2026 Currency USD FYE October

Newest figures come from the 6-K for Q1 FY2026, filed Feb 25, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BMO SEC filings page.

Bank of Montreal (BMO) reported $26.7B in revenue over the twelve months to Jan 31, 2026, up 8.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Health Score (4 of 6 dimensions) 34/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Bank of Montreal's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Bank of Montreal earned a return on assets of 0.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.5% the prior year. Earnings ranks banks on that return over three years, and Bank of Montreal scores 27/100 among other banks.

Growth

Bank of Montreal reported revenue of $25.9B in fiscal year 2025, against $23.5B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Bank of Montreal scores 61/100 among other banks.

Capital

Bank of Montreal funded 6.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $62.8B of equity against $1.1T of assets. Capital ranks banks on that cushion, and Bank of Montreal scores 6/100 among other banks.

Efficiency

n/a

Not available for Bank of Montreal, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Credit Quality

n/a

Not available for Bank of Montreal, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Stability

Bank of Montreal reported net income of $6.2B in fiscal year 2025, against $5.3B in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Bank of Montreal scores 40/100 among other banks.

Piotroski F-Score Partial

6/6

Bank of Montreal passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$7.2B

YoY+13.1%

QoQ+8.7%

5Y CAGR+5.8%

Bank of Montreal generated $7.2B in revenue in Q1 2026. This represents an increase of 13.1% from the same quarter a year earlier. Against the prior quarter it is up 8.7%.

Net Income

$1.8B

YoY+24.4%

QoQ+12.5%

5Y CAGR+3.1%

Bank of Montreal reported $1.8B in net income in Q1 2026. This represents an increase of 24.4% from the same quarter a year earlier. Against the prior quarter it is up 12.5%.

EPS (Diluted)

$2.50

YoY+27.8%

QoQ+18.0%

5Y CAGR+1.1%

Bank of Montreal earned $2.50 per diluted share (EPS) in Q1 2026. This represents an increase of 27.8% from the same quarter a year earlier. Against the prior quarter it is up 18.0%.

EBITDA

Not reported for Q1 2026.

Cash & Balance Sheet

Cash & Debt

$49.7B

YoY-6.0%

QoQ+3.2%

5Y CAGR-2.8%

Bank of Montreal held $49.7B in cash as of Q1 2026; no long-term debt figure is on record for that period.

Shares Outstanding

Diluted avg 710M

Bank of Montreal had a weighted average of 710M diluted shares in Q1 2026; the shares outstanding count is not reported for that period.

Free Cash Flow

Not reported for Q1 2026.

Dividends Per Share

Not reported for Q1 2026.

Margins & Returns

Net Margin

25.4%

YoY+2.3pp

QoQ+0.9pp

5Y change-3.6pp

Bank of Montreal's net profit margin was 25.4% in Q1 2026, showing the share of revenue converted to profit. This is up 2.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.9 percentage points.

Return on Equity

2.9%

YoY+0.5pp

QoQ+0.3pp

5Y change-0.7pp

Bank of Montreal's quarterly ROE was 2.9% in Q1 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q1 2026.

Operating Margin

Not reported for Q1 2026.

Capital Allocation

None of these metrics is reported for Q1 2026.

BMO Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BMO quarterly income statement

Metric	TTM	FY2540-F	FY2440-F	FY2340-F	FY2240-F	FY2140-F	FY2040-F	FY1940-F	FY1840-F	FY1740-F	FY1640-F
Revenue	$26.7B	$25.9B+10.0%	$23.5B+11.6%	$21.1B-14.7%	$24.7B+12.7%	$21.9B+16.1%	$18.9B-2.6%	$19.4B+11.1%	$17.4B+1.8%	$17.1B+9.0%	$15.7B
Interest Expense	$29.2B	$30.0B-10.1%	$33.4B+25.5%	$26.6B+229.3%	$8.1B+79.5%	$4.5B-35.8%	$7.0B-30.5%	$10.1B+38.1%	$7.3B+53.6%	$4.8B+41.3%	$3.4B
Income Tax	$2.2B	$2.0B+27.3%	$1.6B+45.6%	$1.1B-65.9%	$3.2B+57.9%	$2.0B+115.3%	$938.3M-18.5%	$1.2B-22.9%	$1.5B+49.1%	$1.0B+22.0%	$821.5M
Net Income	$6.6B	$6.2B+18.4%	$5.3B+64.7%	$3.2B-67.9%	$9.9B+58.7%	$6.3B+63.6%	$3.8B-12.7%	$4.4B+5.5%	$4.2B+0.3%	$4.1B+20.0%	$3.4B
EPS (Basic)	N/A	$8.18+19.8%	$6.83+64.3%	$4.16-71.7%	$14.69+57.0%	$9.36+65.0%	$5.67-14.1%	$6.60+5.9%	$6.24+1.4%	$6.15+18.8%	$5.18
EPS (Diluted)	$8.70	$8.17+19.7%	$6.82+64.4%	$4.15-71.7%	$14.66+56.9%	$9.34+64.9%	$5.66-14.0%	$6.59+5.9%	$6.22+1.6%	$6.13+18.7%	$5.16
Diluted Shares (Avg)	N/A	723M-0.7%	729M+2.5%	711M+6.7%	666M+2.6%	649M+1.0%	642M+0.3%	640M-0.7%	645M-1.1%	652M+0.9%	646M

Metric	Q1'266-K	Q4'256-K	Q3'256-K	Q2'256-K	Q1'256-K	Q4'246-K	Q3'246-K	Q2'246-K
Revenue	$7.2B+13.1%	$6.7B+3.8%	$6.5B+9.4%	$6.3B+8.4%	$6.4B+11.8%	$6.4B+7.2%	$5.9B-3.0%	$5.8B+0.9%
Interest Expense	$7.0B-9.5%	$7.2B-12.7%	$7.4B-17.0%	$7.6B-9.8%	$7.8B-6.7%	$8.2B+6.7%	$8.9B+18.3%	$8.5B+28.0%
Income Tax	$616.7M+29.2%	$524.6M+4.0%	$546.0M+29.5%	$466.4M+14.7%	$477.2M+75.5%	$504.3M+44.6%	$421.6M+31.2%	$406.6M+133.5%
Net Income	$1.8B+24.4%	$1.6B-1.1%	$1.7B+24.4%	$1.4B+4.8%	$1.5B+53.1%	$1.7B+34.5%	$1.4B+13.7%	$1.4B+78.9%
EPS (Basic)	$2.51+27.7%	$2.13+0.5%	$2.27+25.7%	$1.82+5.9%	$1.96+52.0%	$2.12+34.1%	$1.80+11.4%	$1.72+83.2%
EPS (Diluted)	$2.50+27.8%	$2.12+0.5%	$2.27+26.3%	$1.81+5.5%	$1.96+51.4%	$2.11+33.7%	$1.80+11.5%	$1.72+84.6%
Diluted Shares (Avg)	710M-2.8%	N/A	721M-1.3%	726M-0.4%	731M+0.8%	N/A	730M+1.9%	729M+2.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

BMO Balance Sheet

BMO quarterly balance sheet

Metric	FY2540-F	FY2440-F	FY2340-F	FY2240-F	FY2140-F	FY2040-F	FY1940-F	FY1840-F	FY1740-F	FY1640-F
Total Assets	$1.1T+4.2%	$1.0T+4.2%	$970.6B+16.2%	$835.3B+4.8%	$797.1B+12.0%	$712.0B+9.8%	$648.4B+10.1%	$589.0B+7.0%	$550.3B	N/A
Cash & Equivalents	$48.2B+3.1%	$46.7B-16.8%	$56.2B-12.4%	$64.1B-14.8%	$75.2B+74.7%	$43.1B+16.0%	$37.1B+15.7%	$32.1B+27.0%	$25.3B+7.1%	$23.6B
Goodwill	$12.0B-0.4%	$12.0B-0.2%	$12.1B+211.1%	$3.9B-10.7%	$4.3B-11.5%	$4.9B+1.6%	$4.8B-0.6%	$4.9B+0.2%	$4.8B+1.7%	$4.8B
Total Liabilities	$991.2B+4.2%	$950.8B+3.8%	$915.8B+16.9%	$783.2B+4.3%	$750.7B+12.1%	$669.6B+9.9%	$609.5B+10.0%	$554.2B+7.4%	$515.9B	N/A
Total Equity	$62.8B+4.0%	$60.4B+10.2%	$54.8B+5.3%	$52.1B+12.2%	$46.4B+9.3%	$42.4B+9.2%	$38.9B+11.6%	$34.8B+1.3%	$34.4B+8.9%	$31.6B
Retained Earnings	$33.8B+1.4%	$33.3B+5.1%	$31.7B-4.1%	$33.1B+15.5%	$28.6B+24.2%	$23.1B+5.5%	$21.9B+11.0%	$19.7B+7.1%	$18.4B	N/A

Metric	Q1'266-K	Q4'256-K	Q3'256-K	Q2'256-K	Q1'256-K	Q4'246-K	Q3'246-K	Q2'246-K
Total Assets	$1.1T+5.9%	$1.1T+4.2%	$1.0T+1.9%	$1.0T+4.4%	$1.0T+2.6%	$1.0T+4.2%	$1.0T+6.9%	$999.5B+8.3%
Cash & Equivalents	$49.7B-6.0%	$48.2B+3.1%	$42.3B-21.9%	$47.3B-18.5%	$52.9B-5.2%	$46.7B-16.8%	$54.2B-12.3%	$58.1B+14.9%
Goodwill	$12.3B+1.4%	$12.0B-0.4%	$12.1B+0.1%	$12.0B-0.3%	$12.1B0.0%	$12.0B-0.2%	$12.1B-0.3%	$12.1B+2.1%
Total Liabilities	$1.0T+6.0%	$991.2B+4.2%	$971.3B+1.8%	$981.0B+4.2%	$954.8B+2.4%	$950.8B+3.8%	$954.3B+6.9%	$941.6B+8.6%
Total Equity	$63.2B+4.4%	$62.8B+4.0%	$62.6B+4.3%	$62.1B+7.4%	$60.6B+4.9%	$60.4B+10.2%	$60.1B+6.6%	$57.9B+3.1%
Retained Earnings	$35.2B+7.7%	$33.8B+1.4%	$34.3B+4.3%	$34.2B+4.9%	$32.7B-1.0%	$33.3B+5.1%	$32.9B-2.6%	$32.6B0.0%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

BMO Cash Flow Statement

BMO quarterly cash flow statement

Metric	TTM	FY2540-F	FY2440-F	FY2340-F	FY2240-F	FY2140-F	FY2040-F	FY1940-F	FY1840-F	FY1740-F	FY1640-F
Operating Cash Flow	$5.1B	$7.3B-61.8%	$19.2B+177.2%	$6.9B+90.2%	$3.6B-89.8%	$35.5B-6.8%	$38.1B+71.0%	$22.3B+63.4%	$13.6B+504.9%	$2.3Bn/m	-$2.0B
Capital Expenditures	N/A	N/A	N/A	$637.7M+11.9%	$569.7M+45.9%	$390.4M+30.5%	$299.3M-17.7%	$363.7M+44.7%	$251.4M+7.7%	$233.4M+39.7%	$167.1M
Free Cash Flow	N/A	N/A	N/A	$6.3B+104.7%	$3.1B-91.3%	$35.1B-7.1%	$37.8B+72.5%	$21.9B+63.8%	$13.4B+562.3%	$2.0Bn/m	-$2.2B
Investing Cash Flow	-$4.6B	$431.8Mn/m	-$17.6Bn/m	-$15.2Bn/m	-$21.6Bn/m	-$241.2Mn/m	-$24.0Bn/m	-$14.9Bn/m	-$8.6Bn/m	-$2.4Bn/m	-$11.4B
Financing Cash Flow	-$4.7B	-$6.2Bn/m	-$10.8B-5704.1%	$193.1M-98.4%	$11.7Bn/m	-$4.1Bn/m	-$7.7Bn/m	-$2.0B-195.3%	$2.1B+34.7%	$1.5B-74.2%	$6.0B
Dividends Paid	$3.7B	$3.6B+30.4%	$2.8B+41.4%	$1.9B+2.4%	$1.9B-20.8%	$2.4B+29.5%	$1.9B-11.3%	$2.1B+6.5%	$2.0B+26.2%	$1.6B-5.8%	$1.7B

Metric	Q1'266-K	Q4'256-K	Q3'256-K	Q2'256-K	Q1'256-K	Q4'246-K	Q3'246-K	Q2'246-K
Operating Cash Flow	$1.3B-60.6%	$9.1B+169.9%	-$3.0B-307.0%	-$2.3B-179.7%	$3.4B-71.8%	$3.4B+31.6%	$1.5B-81.9%	$2.9Bn/m
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	$142.0M-1.7%	$107.7M-27.8%
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	$1.3B-83.4%	$2.8Bn/m
Investing Cash Flow	$219.8M-95.7%	-$1.4Bn/m	-$81.6Mn/m	-$3.3B-355.3%	$5.1Bn/m	-$6.1Bn/m	-$3.7B-226.4%	$1.3Bn/m
Financing Cash Flow	-$462.5Mn/m	-$1.8Bn/m	-$1.9Bn/m	-$504.8Mn/m	-$1.9Bn/m	-$4.2Bn/m	-$1.6Bn/m	-$1.3B-216.2%
Dividends Paid	$972.2M+9.6%	$878.7M+3.7%	$933.9M+3.6%	$886.5M+82.2%	$887.3M+59.4%	$847.3M+79.2%	$901.8M+59.9%	$486.6M+4.0%

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Share Buybacks.

BMO Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BMO quarterly financial ratios

Metric	FY2540-F	FY2440-F	FY2340-F	FY2240-F	FY2140-F	FY2040-F	FY1940-F	FY1840-F	FY1740-F	FY1640-F
Net Margin	24.0%+1.7pp	22.3%+7.2pp	15.1%-25.0pp	40.2%+11.6pp	28.5%+8.3pp	20.2%-2.4pp	22.6%-1.2pp	23.8%-0.3pp	24.1%+2.2pp	21.9%
Return on Equity	9.9%+1.2pp	8.7%+2.9pp	5.8%-13.2pp	19.1%+5.6pp	13.5%+4.5pp	9.0%-2.3pp	11.3%-0.7pp	11.9%-0.1pp	12.0%+1.1pp	10.9%
Return on Assets	0.6%+0.1pp	0.5%+0.2pp	0.3%-0.9pp	1.2%+0.4pp	0.8%+0.2pp	0.5%-0.1pp	0.7%0.0pp	0.7%0.0pp	0.8%	N/A
Liabilities-to-Equity	15.770.0x	15.73-1.0x	16.70+1.7x	15.04-1.1x	16.18+0.4x	15.77+0.1x	15.68-0.2x	15.91+0.9x	15.00	N/A
Asset Turnover	0.020.0x	0.020.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.03	N/A
FCF Margin	N/A	N/A	29.8%+17.3pp	12.4%	160.3%	200.3%	113.1%	76.8%+65.0pp	11.8%+25.8pp	-14.0%

Metric	Q1'266-K	Q4'256-K	Q3'256-K	Q2'256-K	Q1'256-K	Q4'246-K	Q3'246-K	Q2'246-K
Net Margin	25.4%+2.3pp	24.5%-1.2pp	25.9%+3.1pp	22.6%-0.8pp	23.0%+6.2pp	25.7%+5.2pp	22.8%+3.4pp	23.4%+10.2pp
Return on Equity	2.9%+0.5pp	2.6%-0.1pp	2.7%+0.4pp	2.3%-0.1pp	2.4%+0.8pp	2.7%+0.5pp	2.3%+0.1pp	2.3%+1.0pp
Return on Assets	0.2%0.0pp	0.1%0.0pp	0.2%0.0pp	0.1%0.0pp	0.1%+0.1pp	0.2%0.0pp	0.1%0.0pp	0.1%+0.1pp
Liabilities-to-Equity	16.01+0.2x	15.770.0x	15.51-0.4x	15.79-0.5x	15.77-0.4x	15.73-1.0x	15.89+0.1x	16.27+0.8x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	22.3%	48.2%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Bank of Montreal BMO	FY2025	$25.9B	$6.2B	24.0%	$118.5B	34/100
Bank of Nova Scotia BNS	FY2025	$26.9B	$5.6B	20.6%	$114.4B	38/100
ING Groep N.V. ING	FY2025	$30.1B	$9.8B	32.4%	$94.9B	39/100
Barclays PLC BCS	FY2025	$14.9B	$9.6B	64.5%	$75.3B	38/100
Sumitomo Mitsui Financial Group, Inc. SMFG	FY2025	N/A	$3.2B	N/A	$153.8B	—

Where Bank of Montreal Ranks

Frequently Asked Questions

What is Bank of Montreal's annual revenue?

Bank of Montreal (BMO) reported $25.9B in total revenue for fiscal year 2025. This represents a 10.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bank of Montreal's revenue growing?

Bank of Montreal (BMO) revenue grew by 10.0% year-over-year, from $23.5B to $25.9B in fiscal year 2025.

Is Bank of Montreal profitable?

Yes, Bank of Montreal (BMO) reported a net income of $6.6B over the trailing 12 months to January 31, 2026. In fiscal year 2025 it reported a net income of $6.2B, with a net profit margin of 24.0%.

What is Bank of Montreal's net profit margin?

Bank of Montreal (BMO) had a net profit margin of 24.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Bank of Montreal's return on equity (ROE)?

Bank of Montreal (BMO) has a return on equity of 9.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bank of Montreal's operating cash flow?

Bank of Montreal (BMO) generated $7.3B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bank of Montreal's total assets?

Bank of Montreal (BMO) had $1.1T in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Bank of Montreal have outstanding?

Bank of Montreal (BMO) had 709M shares outstanding as of fiscal year 2025.

What is Bank of Montreal's liabilities-to-equity ratio?

Bank of Montreal (BMO) had a liabilities-to-equity ratio of 15.77 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is Bank of Montreal's return on assets (ROA)?

Bank of Montreal (BMO) had a return on assets of 0.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bank of Montreal's P/E ratio?

Bank of Montreal (BMO) trades at 18.0x earnings, its market capitalization divided by $6.6B net income, trailing 12 months to January 31, 2026. The market capitalization is $118.5B as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Bank of Montreal's price-to-sales ratio?

Bank of Montreal (BMO) trades at 4.4x sales, its market capitalization divided by $26.7B revenue, trailing 12 months to January 31, 2026. The market capitalization is $118.5B as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Bank of Montreal's Piotroski F-Score?

Bank of Montreal (BMO) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is Bank of Montreal?

Bank of Montreal (BMO) scores 34 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Bank of Montreal it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.