Bank of Montreal BMO NYSE

NYSE • Financial Services • Banks - Diversified • CA • USD

SharesGrow Score

54/100

3/7 Pass

SharesGrow Intrinsic Value

Income Statement Balance Sheet Cash Flow Statement

Annual Quarterly

Bank of Montreal (BMO) generated $7.33B in operating cash flow for quarter ending 2026-01-31. After capital expenditures of $384M, free cash flow was $6.95B.

Free cash flow margin was 36% of revenue. Cash conversion ratio was 2.95x, indicating earnings are backed by cash.

The company returned $1.32B in dividends and $2.33B in share buybacks to shareholders during the quarter.

Criteria supported by this page:

HEALTH (0/100, Fail) — weak cash flow raises concerns about debt servicing
MOAT (72/100, Pass) — $6.95B (36% margin) supports a durable competitive advantage
INCOME (55/100) — Cash conversion ratio was 2.95x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 54/100 with 3/7 criteria passed.

SharesGrow 7-Criteria Score

54/100

SG Score

View full scorecard →

VALUE

50/100

Price-to-Earnings & upside

→ Valuation

✗

FUTURE

16/100

Analyst consensus

→ Forecast

✓

PAST

100/100

→ Income

✗

HEALTH

0/100

Debt-to-Equity & liquidity

Proven by this page

✓

MOAT

72/100

Proven by this page

✓

GROWTH

83/100

→ Income

INCOME

55/100

→ Income

Bank of Montreal Cash Flow History

Metric	TTM	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025
Operating Cash Flow	$12.7B	$7.33B	$12.77B	$-4.21B	$-3.19B
Capital Expenditure	$-1.73B	$-384M	$-499M	$-405M	$-439M
Free Cash Flow	$10.98B	$6.95B	$12.27B	$-4.61B	$-3.63B