Bank Of Montreal Common Stock (BMO)

FairStock Score: 41/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Bank of Montreal is a diversified North American lender, but I want to judge it as a bank, not an industrial. In fiscal Q3 2026, it reported revenue of $9.9B, net income of $1.7B and a 17.64% net margin. Those are real profits, yet the supplied growth data show revenue growth of 10.79% alongside profit growth of -24.88% - a warning that costs, credit, or margins are pressuring the bottom line. FairStock's calculations put the shares at a P/E of 18.68 and P/B of 1.93 based on the 2026-10-13 close of $165.28. With EPS of $8.85 and ROE of 10.57%, that price demands better returns than the bank is currently earning. A 2.90% dividend yield and beta of 1.12 offer some income and market-like volatility, but not enough to make the valuation obviously cheap. The Piotroski F-Score of 5/9 and FairStock Score of 43/100 point to mediocre financial momentum. FairStock's Lynch category is none because only 0 years of filed results are available and it needs 3; that limits historical consistency checks. The key missing items are bank-specific: CET1, net interest margin and combined ratio are not in the data, and D/E is N/A, so I cannot fully assess leverage, credit quality, or underwriting. At nearly two times book for a roughly 10.6% return on equity, I would call the business sound but the price full.

In plain English: Bank of Montreal is a large North American bank that takes deposits, makes loans, and offers wealth and business banking services. It is still profitable, but the latest quarter's profit was weaker than its revenue growth would suggest, and its return on shareholders' money is only average. At the recent price, investors are paying a rich amount for those profits and accounting value, so the stock looks expensive rather than cheap based on the numbers given.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer