Bank of Montreal (BMO)
Bank of Montreal files a 40-F with the SEC once a year, in Canadian dollars. In the year to 31 October 2025 its profit attributable to shareholders was CAD 8,709 million, up 19.0%, and diluted earnings per share CAD 11.44.
Earnings per share are per ordinary share, in Canadian dollars. The share that trades in the US can be a depositary share standing for more or fewer ordinary shares, so no price ratio is worked out on this page.
The public record on BMO
| Planned insider sales | no Form 144 notice in twelve months |
| Options tape | put/call 0.73 by open interest on 26 September 2026; the straddle prices a 4.1% move to 16 October 2026 |
| Holders | 7 of the followed funds hold it; largest FMR LLC; 0 Schedule 13D or 13G filings in twelve months |
| Congress | 0 House trades disclosed in six months |
| Short interest | 4.5 million shares short, 7.10 days to cover at 15 September 2026 |
Profit and loss, 10 fiscal years
| Year to | Oct 2025 | Oct 2024* | Oct 2023* | Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017* | Oct 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profit before tax | 11,550 | 9,535 | 5,947 | 17,886 | 10,258 | 6,348 | 7,272 | 7,414 | 6,631 | 5,732 |
| Income tax | 2,825 | 2,208 | 1,510 | 4,349 | 2,504 | 1,251 | 1,514 | 1,961 | 1,292 | 1,101 |
| Profit for the year | 8,725 | 7,327 | 4,437 | 13,537 | 7,754 | 5,097 | 5,758 | 5,453 | 5,339 | 4,631 |
| Profit attributable to shareholders | 8,709 | 7,318 | 4,425 | 13,537 | 7,754 | 5,097 | 5,758 | 5,453 | 5,337 | 4,622 |
CAD million, from each year's annual report on the SEC's EDGAR, the year linked to its filing, on the IFRS tags the company filed. A line the company does not file under the standard tag is left out rather than estimated. A year marked * shows the figure as the company restated it in a later annual report (Oct 2017, Oct 2023, Oct 2024); the first-filed figure is in the CSV. Profit for the year includes the part that belongs to minority shareholders; profit attributable to shareholders is the part EPS is struck on.
| Year to | Oct 2025 | Oct 2024* | Oct 2023* | Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017* | Oct 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Diluted EPS | 11.44 | 9.51 | 5.76 | 19.99 | 11.58 | 7.55 | 8.66 | 8.17 | 7.90 | 6.92 |
| Basic EPS | 11.46 | 9.52 | 5.77 | 20.04 | 11.60 | 7.56 | 8.68 | 8.19 | 7.93 | 6.94 |
CAD per ordinary share, as filed.
Cash flow
| Year to | Oct 2025 | Oct 2024* | Oct 2023* | Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017* | Oct 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operations | 10,240 | 26,703 | 9,591 | 4,957 | 44,049 | 50,836 | 29,303 | 17,912 | 2,908 | -2,728 |
| Purchase of property, plant and equipment | n/a | n/a | 885 | 777 | 484 | 399 | 478 | 330 | 301 | 224 |
| Free cash flow | n/a | n/a | 8,706 | 4,180 | 43,565 | 50,437 | 28,825 | 17,582 | 2,607 | -2,952 |
| Dividends paid | 5,031 | 3,840 | 2,703 | 2,595 | 2,980 | 2,475 | 2,752 | 2,582 | 2,010 | 2,219 |
CAD million. Purchase of property, plant and equipment is the cash line as filed; purchases of intangible assets and acquisitions are not in it. Free cash flow is cash from operations less that purchase, arithmetic on the two filed lines.
Balance sheet at year end
| Year to | Oct 2025 | Oct 2024* | Oct 2023* | Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017* | Oct 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 1,476,802 | 1,409,647 | 1,347,006 | 1,139,199 | 988,175 | 949,261 | 852,195 | 773,293 | 709,580 | n/a |
| Equity attributable to shareholders | 88,051 | 84,250 | 76,095 | 71,038 | 57,523 | 56,593 | 51,076 | 45,721 | 44,345 | 42,328 |
| Cash and cash equivalents | 67,484 | 65,098 | 77,934 | 87,466 | 93,261 | 57,408 | 48,803 | 42,142 | 32,599 | 31,653 |
| Lease liabilities | 3,315 | 3,326 | 3,506 | 2,835 | 2,743 | 2,409 | n/a | n/a | n/a | n/a |
| Goodwill | 16,797 | 16,774 | 16,728 | 5,285 | 5,378 | 6,535 | 6,340 | 6,373 | 6,244 | 6,381 |
CAD million, at each fiscal year end. Borrowings is the company's own stated total where it files one; it is never added up from its parts here.
Ratios on the filed lines
| Year to | Oct 2025 | Oct 2024* | Oct 2023* | Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017* | Oct 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on year-end equity | 9.9% | 8.7% | 5.8% | 19.1% | 13.5% | 9.0% | 11.3% | 11.9% | 12.0% | 10.9% |
| Effective tax rate | 24.5% | 23.2% | 25.4% | 24.3% | 24.4% | 19.7% | 20.8% | 26.4% | 19.5% | 19.2% |
Arithmetic on the filed lines of the same year: margins over revenue, return on equity as profit attributable to shareholders over year-end equity, tax over profit before tax.
Annual reports on EDGAR
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