ScoreWhy is Bank of Montreal ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 9.68%
2
Positive results in Apr 26
- OPERATING CASH FLOW(Y) Highest at CAD 48,392 MM
- ROCE(HY) Highest at 0.66%
- DIVIDEND PER SHARE(HY) Highest at CAD 0
3
With ROA of 0.43%, it has a very attractive valuation with a 1.92 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 68.04%, its profits have risen by 17.9% ; the PEG ratio of the company is 0.8
4
High Institutional Holdings at 52.53%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.27% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 68.04% returns in the last 1 year, the stock has outperformed S&P/TSX 60 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bank of Montreal should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Montreal for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank of Montreal
68.04%
12.39
18.18%
S&P/TSX 60
29.6%
2.31
12.81%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.41%
EBIT Growth (5y)
6.79%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
56.20%
Pledged Shares
0
Institutional Holding
52.53%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.92
EV to EBIT
19.91
EV to EBITDA
16.43
EV to Capital Employed
1.62
EV to Sales
3.33
PEG Ratio
0.78
Dividend Yield
0.03%
ROCE (Latest)
8.15%
ROE (Latest)
11.38%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CAD 48,392 MM
ROCE(HY)
Highest at 0.66%
DIVIDEND PER SHARE(HY)
Highest at CAD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 73.54%
OPERATING PROFIT(Q)
Highest at CAD 3,289 MM
OPERATING PROFIT MARGIN(Q)
Highest at 21.91 %
PRE-TAX PROFIT(Q)
Highest at CAD 3,467 MM
NET PROFIT(Q)
Highest at CAD 2,630.5 MM
EPS(Q)
Highest at CAD 3.53
-3What is not working for the Company
ROCE(HY)
Lowest at 0.66%
NET SALES(Q)
Lowest at CAD 15,014 MM
Here's what is working for Bank of Montreal
Operating Cash Flow
Highest at CAD 48,392 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CAD MM)
Dividend per share
Highest at CAD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (CAD)
Operating Profit
Highest at CAD 3,289 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CAD MM)
Operating Profit Margin
Highest at 21.91 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at CAD 3,467 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CAD MM)
Net Profit
Highest at CAD 2,630.5 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CAD MM)
EPS
Highest at CAD 3.53
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CAD)
Credit Deposit Ratio
Highest at 73.54%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Bank of Montreal
Net Sales
Lowest at CAD 15,014 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CAD MM)
Non Operating Income
Highest at CAD 0.02 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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