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BMONYSEAIQDNYSEAIQUNYSEBERZNYSEBNKDNYSEBNKUNYSEBRZDCBOEBRZLCBOEBULZNYSECARDNYSECARUNYSEDULLNYSEFLYDNYSEFLYUNYSEFNGDNYSEFNGONYSEFNGSNYSEFNGUNYSEGDXDNYSEGDXUNYSEHYGDCBOEHYGUCBOEJETDNYSEJETUNYSEJPNDCBOEJPNUCBOELQDDCBOELQDUCBOEMNGUNYSENRGDNYSENRGUNYSEOILDNYSEOILUNYSESHNYNYSESMHDCBOESMHUCBOESPYUNYSETAWNCBOETPEICBOEWTIDNYSEWTIUNYSEXLCDCBOEXLCUCBOEXLPDCBOEXLPUCBOESEC filerIFRSCommercial Banks, NECFiscal year ends October 31Reports in CAD (Canadian Dollar)
Partial analysis for banks
FY2025 · ended Oct 31, 2025
Normalization v8 · calculations ratios_v2 · data version 2 · report generated Oct 8, 2026. Source: SEC EDGAR XBRL company facts.
Select a figure to see its source filing and exact value.
| Ratio | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Growth | ||||||||||
| Revenue growth | —not available | |||||||||
| Net income growth | —not available | |||||||||
| Diluted EPS growth | —not available | |||||||||
| Revenue CAGR (3 yr) | —not available | —not available | —not available | |||||||
| Revenue CAGR (5 yr) | —not available | —not available | —not available | —not available | —not available | |||||
| Profitability | ||||||||||
| Net margin | ||||||||||
| Balance sheet | ||||||||||
| Liabilities / assets | —not available | |||||||||
Select a ratio to see its formula, the exact inputs and periods used, and their source filings. — means an input is missing or the ratio is not meaningful (e.g. a negative denominator).
Banks. Each metric below is shown only where SEC XBRL data supports it with a verified definition; otherwise the reason is stated. Latest fiscal year; ratio history is in the Ratios table above.
| Metric | Status | Value | Definition or reason |
|---|---|---|---|
| Efficiency ratioFinSavoir calculation | Not available | — | Not reported for the latest fiscal year: non-interest expense, non-interest income. |
| Provision / average loansFinSavoir calculation | Not available | — | Not reported for the latest fiscal year: provision for credit losses, loans, net of allowance. |
| Net interest marginFinSavoir calculation | Not available | — | Net interest income ÷ average interest-earning assets. Not available: average interest-earning assets are not tagged in SEC Company Facts (checked for all 17 banks FinLens covers), and FinLens will not substitute total assets. |
| Common equity Tier 1 capital ratioreported by the company | Not available | — | Not tagged (undimensioned) in SEC Company Facts for the latest fiscal year; many banks disclose capital ratios only in text or by legal entity. |
| Tier 1 risk-based capital ratioreported by the company | Not available | — | Not tagged (undimensioned) in SEC Company Facts for the latest fiscal year; many banks disclose capital ratios only in text or by legal entity. |
| Total risk-based capital ratioreported by the company | Not available | — | Not tagged (undimensioned) in SEC Company Facts for the latest fiscal year; many banks disclose capital ratios only in text or by legal entity. |
| Tier 1 leverage ratioreported by the company | Not available | — | Not tagged (undimensioned) in SEC Company Facts for the latest fiscal year; many banks disclose capital ratios only in text or by legal entity. |
| Line item | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | r (restated) | r (restated) | r (restated) | |||||||
| Net interest income | r (restated) | r (restated) | ||||||||
| Income before taxes | r (restated) | |||||||||
| Income tax expense | r (restated) | |||||||||
| Net income | r (restated) | |||||||||
| Diluted EPS | r (restated) | r (restated) |
Select any figure for its source filing and exact value. d derived by FinSavoir (e.g. Q4 = fiscal year − nine months) · r restated in a later filing · s adjusted for a stock split · — not reported for that period · withheld = failed a data-quality check.
| Line item | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & cash equivalents |
| Line item | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividends paid |
Mechanical forecasts of reported revenue from BANK OF MONTREAL /CAN/'s own SEC filings. Each was recorded in FinSavoir's prediction ledger when it was issued and is never edited; it will be scored when the company reports the period. They say nothing about business prospects beyond the past pattern of revenue.
Each forecast in the chart is listed below with a link to its ledger record.
| Target | Model | Forecast | 80% prediction interval | vs “same as last year” | Ledger record |
|---|---|---|---|---|---|
| FY20261 year ahead · ends Oct 31, 2026 | Same as last yearReference (benchmark) | C$36.3B | Not shown: no evaluated error range | — | Record |
| Straight-line trend (legacy)Benchmark | C$36.6B | Not shown: no evaluated error range | +0.9% | Record | |
| Damped trend (exponential smoothing)Challenger (not promoted) | C$34.8B | Not shown: no evaluated error range | −4.2% | Record | |
| Average growth (drift)Challenger (not promoted) | C$37.2B | Not shown: no evaluated error range | +2.5% | Record | |
| Damped recent growthChallenger (not promoted) | C$37.2B | Not shown: no evaluated error range | +2.7% | Record | |
| FY20272 years ahead · ends Oct 31, 2027 | Same as last yearReference (benchmark) | C$36.3B | Not shown: no evaluated error range | — | Record |
| Straight-line trend (legacy)Benchmark | C$38.2B | Not shown: no evaluated error range | +5.4% | Record | |
| Damped trend (exponential smoothing)Challenger (not promoted) | C$35.3B | Not shown: no evaluated error range | −2.8% | Record | |
| Average growth (drift)Challenger (not promoted) | C$38.1B | Not shown: no evaluated error range | +5.0% | Record | |
| Damped recent growthChallenger (not promoted) | C$38.2B | Not shown: no evaluated error range | +5.4% | Record |
naive_last_v1). Next year's revenue equals the latest year's.1be3bf87-0023-4aed-bb86-4f746a8c1724 in the ledger. It will be compared with the revenue first reported for FY2026, and with any later restatement.No current forecast. No consecutive quarterly revenue in SEC data (annual reports only, or gaps).
Every forecast FinSavoir issued for this company, newest first (the latest 10 of 10 are listed; each links to its full ledger record). A forecast is scored against the revenue first reported in the company's filing for that period, once that filing exists; a period ending is not enough. Superseded forecasts (replaced by a newer one for the same period and model) are kept unchanged and still scored.
| Issued | Target | Model | Forecast | Status | Actual (first reported) | Error | Filing | Record |
|---|---|---|---|---|---|---|---|---|
| Oct 2, 2026 | FY2027 | Straight-line trend (legacy) | C$38.2B | Awaiting period end | — | — | — | Record |
| Oct 2, 2026 | FY2027 | Average growth (drift) | C$38.1B | Awaiting period end | — | — | — | Record |
| Oct 2, 2026 | FY2027 | Same as last year | C$36.3B | Awaiting period end | — | — | — | Record |
| Oct 2, 2026 | FY2027 | Damped recent growth | C$38.2B | Awaiting period end | — | — | — | Record |
| Oct 2, 2026 | FY2027 | Damped trend (exponential smoothing) | C$35.3B | Awaiting period end | — | — | — | Record |
| Oct 2, 2026 | FY2026 | Average growth (drift) | C$37.2B | Awaiting period end | — | — | — | Record |
| Oct 2, 2026 | FY2026 | Same as last year | C$36.3B | Awaiting period end | — | — | — | Record |
| Oct 2, 2026 | FY2026 | Straight-line trend (legacy) | C$36.6B | Awaiting period end | — | — | — | Record |
| Oct 2, 2026 | FY2026 | Damped recent growth | C$37.2B | Awaiting period end | — | — | — | Record |
| Oct 2, 2026 | FY2026 | Damped trend (exponential smoothing) | C$34.8B | Awaiting period end | — | — | — | Record |
How the models were evaluated, and results across all companies →
No data-quality warnings for this company.
Restated in a later filing · Diluted EPS · 2 periods
Restated in a later filing in 2 periods. Example: Diluted EPS was restated from 8 to 8.
FY2017, FY2023
Restated in a later filing · Income before taxes
Income before taxes was restated from 5,863,000,000 to 5,947,000,000.
FY2023
Restated in a later filing · Income tax expense
Income tax expense was restated from 1,486,000,000 to 1,510,000,000.
FY2023
Restated in a later filing · Net income
Net income was restated from 4,365,000,000 to 4,425,000,000.
FY2023
Restated in a later filing · Net interest income · 2 periods
Restated in a later filing in 2 periods. Example: Net interest income was restated from 10,007,000,000 to 11,275,000,000.
FY2017, FY2018
Restated in a later filing · Net interest income (IFRS) · 2 periods
Restated in a later filing in 2 periods. Example: Net interest income (IFRS) was restated from 10,007,000,000 to 11,275,000,000.
FY2017, FY2018
Restated in a later filing · Shareholders' equity
Shareholders' equity was restated from 77,009,000,000 to 76,095,000,000.
FY2023
Restated in a later filing · Total assets
Total assets was restated from 1,293,276,000,000 to 1,347,006,000,000.
FY2023
Restated in a later filing · Total equity incl. non-controlling interests
Total equity incl. non-controlling interests was restated from 77,037,000,000 to 76,123,000,000.
FY2023
Restated in a later filing · Total liabilities
Total liabilities was restated from 1,216,239,000,000 to 1,270,883,000,000.
FY2023
Restated in a later filing · Total liabilities & equity
Total liabilities & equity was restated from 1,293,276,000,000 to 1,347,006,000,000.
FY2023
Restated in a later filing · Total net revenue · 3 periods
Restated in a later filing in 3 periods. Example: Revenue was restated from 22,260,000,000 to 22,107,000,000.
FY2017, FY2018, FY2023
Latest annual report
40-F · fiscal year ended Oct 31, 2025 · filed Dec 4, 2025
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| —not available |
| —not available |
| Return on assets | —not available | —not available |
|---|
| Effective tax rate |
|---|
| Equity / assets | —not available | —not available | —not available | —not available | —not available | —not available |
|---|
| Total assets | —not reported for this period | r (restated) |
|---|
| Total liabilities | —not reported for this period | d (derived: Total liabilities & equity − total equity incl nci (liabilities not tagged)) | d (derived: Total liabilities & equity − total equity incl nci (liabilities not tagged)) | d (derived: Total liabilities & equity − total equity incl nci (liabilities not tagged)) | r (restated) |
|---|
| Shareholders' equity | —not reported for this period | —not reported for this period | —not reported for this period | —not reported for this period | —not reported for this period | —not reported for this period | r (restated) |
|---|
Select any figure for its source filing and exact value. d derived by FinSavoir (e.g. Q4 = fiscal year − nine months) · r restated in a later filing · s adjusted for a stock split · — not reported for that period · withheld = failed a data-quality check.
Select any figure for its source filing and exact value. d derived by FinSavoir (e.g. Q4 = fiscal year − nine months) · r restated in a later filing · s adjusted for a stock split · — not reported for that period · withheld = failed a data-quality check.