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Bank of Montreal priced equity-linked senior notes due February 28, 2029. The notes pay a contingent monthly coupon of 23.30% per annum (with a memory feature) and are auto-callable if the lowest-performing underlier on certain monthly observation dates equals or exceeds its starting value. The three underliers are Broadcom (AVGO) starting at $330.34, Robinhood (HOOD) starting at $71.78, and McDonald’s (MCD) starting at $334.56; each coupon and downside threshold is 50% of its starting value. Original offering price is $1,000 per security, estimated initial value $971.88, proceeds to issuer $976.75 per security. The securities are unsecured obligations of Bank of Montreal, subject to issuer credit risk and not FDIC insured.
Bank of Montreal filed a report providing updated earnings coverage ratios for the 12 months ended January 31, 2026 and October 31, 2025. These ratios show how many times the bank’s earnings can cover its interest and preferred share obligations.
For the period ended January 31, 2026, interest coverage on subordinated indebtedness was 27.56 times and grossed up dividend coverage on Class B preferred shares and other equity instruments was 23.90 times. Combined interest and grossed up dividend coverage on subordinated debt, preferred shares and other equity instruments was 13.05 times, slightly higher than 12.70 times for the period ended October 31, 2025.
Bank of Montreal filed a Form 6-K to furnish officer certifications related to its quarterly report for the period ended January 31, 2026. The Chief Executive Officer and Chief Financial Officer each certify that the report is accurate, fairly presents the bank’s financial condition and results, and that disclosure controls and internal control over financial reporting have been designed, evaluated, and updated as needed.
Bank of Montreal announced that its Board of Directors declared a quarterly dividend of $1.67 per common share for the second quarter of fiscal 2026, unchanged from the prior quarter. The common share dividend is payable on May 26, 2026 to shareholders of record on April 29, 2026.
The Board also declared dividends on its Class B Preferred Shares Series 44, 50 and 52, with payments on May 25 or May 26, 2026, to shareholders of record on April 29, 2026. All declared common and preferred dividends are designated as “eligible” dividends for Canadian tax purposes.
Common shareholders may reinvest cash dividends in additional Bank of Montreal common shares through the Shareholder Dividend Reinvestment and Share Purchase Plan. Shares under the plan will be purchased on the open market without a discount, and registered shareholders must enroll with the transfer agent by May 1, 2026 to participate for this dividend.
BMO Financial Group reported strong first-quarter 2026 results, with net income of $2,489 million, up 16% from a year earlier, and diluted EPS rising to $3.39 from $2.83. Adjusted net income was $2,551 million and adjusted EPS reached $3.48, both showing double-digit growth.
Revenue grew to $9,824 million, driven by higher net interest income and non-interest revenue, including record revenue in each operating segment. Provision for credit losses fell to $746 million from $1,011 million, while the total PCL ratio improved to 0.44%.
Return on equity strengthened to 12.1% on a reported basis and 12.4% on an adjusted basis. BMO maintained a solid Common Equity Tier 1 capital ratio of 13.1%, continued normal course share repurchases, and declared a quarterly common dividend of $1.67 per share, up $0.08 from the prior year.
BMO Financial Group delivered strong growth in the first quarter of 2026. Reported net income rose to $2,489 million, up 16% from a year earlier, and adjusted net income reached $2,551 million. Diluted EPS increased to $3.39 reported and $3.48 adjusted, reflecting double-digit earnings growth.
Profitability improved, with reported return on equity rising to 12.1% and adjusted ROE to 12.4%. Provision for credit losses fell to $746 million from $1,011 million, showing better credit performance. The Common Equity Tier 1 capital ratio was a solid 13.1%.
All operating segments contributed, including higher net income in Canadian P&C, U.S. Banking, Wealth Management and Capital Markets, while Corporate Services losses narrowed. BMO declared a quarterly dividend of $1.67 per common share, up $0.08 or 5% from the prior year, and repurchased 6.0 million common shares.
Bank of Montreal is offering Senior Medium-Term Notes, Series K: market-linked, auto-callable securities with a contingent coupon and principal at risk linked to the lowest performing of the Nasdaq-100, Russell 2000 and S&P 500. The original offering price is $1,000 per security and proceeds to Bank of Montreal are $976.75 per security.
The securities have quarterly calculation days beginning May 2026, a minimum contingent coupon rate of 10.30% per annum, an issue date of March 4, 2026 and a stated maturity of March 2, 2029. If not auto-called, principal at maturity depends on the ending value of the lowest performing Underlier; a decline below 75% of starting value results in proportional principal loss.
Bank of Montreal offers structured notes linked to the iShares Expanded Tech-Software Sector ETF. The offering consists of notes with a $1,000 principal amount per note and aggregate original issue amount of $15,485,000. The notes mature on February 27, 2029 unless automatically called on the scheduled call observation dates.
The notes are callable if the underlier’s closing price on either call observation date equals or exceeds 87.00% of the initial level. Call premiums are 10.65% (first call) and 21.30% (second call); the maturity premium is 31.95%. If not called, final payment depends on the fund’s closing price on the determination date, with a buffer level at 87.00% and a downside loss rate of approximately 1.1494% of principal per 1% decline below the buffer.
The notes do not pay interest, are unsecured obligations of Bank of Montreal, are not FDIC-insured, and carry issuer credit risk. The issuer’s initial estimated value per note was $967.08 on the trade date.
Bank of Montreal priced $17,000,000 of Senior Medium-Term Notes, Series K, redeemable fixed-rate debt due February 25, 2031. The Notes pay interest at 4.50% per annum, pay $1,000 per Note at maturity, and are redeemable by the Bank on semi-annual optional redemption dates.
The Notes are unsecured, bail-inable under the Canada Deposit Insurance Corporation Act and may be converted into common shares under specified Canadian bail-in powers; proceeds to the issuer equal $16,941,180.00 after underwriting discount.
Bank of Montreal priced US$1,105,000 Senior Medium-Term Notes, Series K — Autocallable Barrier Enhanced Return Notes due February 25, 2031. The notes reference NVDA, GOOGL and META and pay no interest. They auto‑redeem if each Reference Asset closes above its 90.00% Call Level on May 20, 2026, in which case holders receive principal plus a $240 Call Amount per $1,000 note (approximately 96.00% per annum return). If not called, maturity payoff is based solely on the Least Performing Reference Asset with a 150.00% Upside Leverage Factor and a 60.00% Barrier Level; declines below the Barrier cause proportional principal loss (up to 100%). Price to public equals $1,105,000 aggregate and the issuer’s estimated initial value is $965.18 per $1,000. All payments are subject to Bank of Montreal credit risk.