Bank of Montreal BMO NYSE

Bank of Montreal (BMO) reported declining year-over-year revenue growth of -4% through 2026-01 (TTM revenue vs prior-year TTM). Net income showed solid earnings growth of +11.1% YoY, reaching $2.5B in the latest quarter. The net profit margin is 12.9%, which is moderate. The company has maintained profitability in all 4 quarters. The gross margin is 43.3% (moderate), up 6.6pp vs the prior year. With a $105B market cap, MOAT composite score of 87/100 (strong competitive position).

Criteria proven by this page:

• GROWTH (83/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 32-year annual history, the company was profitable in 32 of 32 years — a perfect long-term track record
• INCOME (55/100, Partial) — the company is profitable but margin is below 15%
• MOAT (87/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

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