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Bank of Montreal (BMO) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · BANKS - DIVERSIFIED · DATA UPDATED 2026-07-19

Bank of Montreal (BMO) operates in the BANKS - DIVERSIFIED industry and is headquartered in Montreal, Canada with about 53,234 employees. Its market capitalization is roughly $125 billion. In the fiscal year ended 2025-10-31, BMO reported $78.1B in revenue and $8.7B in net income.

Bank of Montreal provides diversified financial services primarily in North America. It operates through Canadian Personal and Commercial Banking; U.S. Banking; Wealth Management; and Capital Markets segments.

Interactive charts & full statements → Open the BMO valuation workbench →

BMO Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-04-30	2025-10-31	2024-10-31	2023-10-31	2022-10-31	2021-10-31	2020-10-31	2019-10-31	2018-10-31	2017-12-31	2017-10-31	2016-12-31	2016-10-31	2015-12-31	2015-10-31	2014-12-31	2014-10-31	2013-10-31	2012-10-31	2011-10-31	2010-10-31
Total Revenue	$77.1B	$78.1B	$78.6B	$68.0B	$37.3B	$32.5B	$34.4B	$38.6B	$32.3B	$52.3B	$27.9B	$57.1B	$25.5B	$42.8B	$23.6B	$58.8B	$22.6B	$21.4B	$20.8B	$19.0B	$15.5B
Gross Profit	$34.5B	$32.5B	$28.3B	$29.6B	$25.9B	$26.9B	$22.1B	$24.5B	$22.1B	$0M	$21.0B	$0M	$20.2B	$0M	$18.6B	$0M	$17.5B	$16.2B	$15.2B	$12.7B	$11.2B
Gross Margin %	44.8%	41.6%	36.0%	43.6%	69.6%	82.8%	64.2%	63.4%	68.3%	0.0%	75.3%	0.0%	79.2%	0.0%	78.8%	0.0%	77.3%	75.8%	73.0%	67.0%	72.2%
Operating Income (EBIT)	$12.9B	$11.6B	$9.5B	$5.9B	$17.9B	$10.3B	$6.3B	$7.3B	$7.4B	—	$6.6B	—	$5.7B	—	$5.3B	—	$5.2B	$5.2B	$5.0B	$4.0B	$3.6B
Operating Margin %	16.8%	14.8%	12.1%	8.7%	48.0%	31.6%	18.5%	18.8%	22.9%	—	23.8%	—	22.5%	—	22.7%	—	23.1%	24.5%	24.2%	21.0%	23.1%
Net Income	$9.7B	$8.7B	$7.3B	$4.4B	$13.5B	$7.8B	$5.1B	$5.8B	$5.5B	$5.2B	$5.3B	$2.5B	$4.6B	$1.3B	$4.4B	$2.2B	$4.3B	$4.1B	$4.1B	$3.0B	$2.8B
Net Margin %	12.6%	11.1%	9.3%	6.5%	36.3%	23.9%	14.8%	14.9%	16.9%	9.8%	19.2%	4.5%	18.1%	3.0%	18.5%	3.8%	18.9%	19.3%	19.7%	16.0%	18.2%
EBITDA	$15.1B	$13.7B	$11.6B	$8.0B	$19.4B	$11.8B	$8.0B	$8.5B	$8.5B	—	$7.7B	—	$6.8B	—	$6.1B	—	$6.0B	$5.9B	$5.7B	$4.5B	$4.0B
Earnings Per Share (EPS)	$13.60	$12.04	$10.04	$6.23	$20.33	$11.95	$7.94	$8.99	$8.46	—	$7.90	—	$6.92	—	$6.75	—	$6.60	$6.36	$6.29	$5.12	$4.99
Shares Outstanding (M)	710M	723M	729M	711M	666M	649M	642M	640M	645M	—	675M	—	668M	—	647M	—	648M	650M	649M	594M	563M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

BMO Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-04-30	2026-01-31	2025-10-31	2025-07-31	2025-04-30	2025-01-31	2024-10-31	2024-07-31
Total Revenue	$19.3B	$19.3B	$19.3B	$19.2B	$19.2B	$20.4B	$19.7B	$20.5B
Gross Profit	$8.8B	$9.1B	$8.5B	$8.1B	$7.6B	$8.2B	$6.8B	$7.2B
Gross Margin %	45.6%	46.9%	44.1%	42.4%	39.6%	40.1%	34.4%	35.4%
Operating Income (EBIT)	$3.5B	$3.3B	$3.0B	$3.1B	$2.6B	$2.8B	$3.0B	$2.4B
Operating Margin %	18.1%	17.2%	15.7%	16.1%	13.6%	13.8%	15.2%	12.0%
Net Income	$2.6B	$2.5B	$2.3B	$2.3B	$2.0B	$2.1B	$2.3B	$1.9B
Net Margin %	13.6%	12.9%	11.9%	12.1%	10.2%	10.4%	11.7%	9.1%
EBITDA	$4.0B	$3.9B	$3.6B	$3.6B	$3.1B	$3.4B	$3.5B	$3.0B
Earnings Per Share (EPS)	$3.70	$3.51	$3.16	$3.23	$2.70	$2.93	$3.16	$2.55
Shares Outstanding (M)	710M	710M	723M	721M	726M	729M	729M	730M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

BMO Free Cash Flow History

Cash flow	TTM → 2026-04-30	2025-10-31	2024-10-31	2023-10-31	2022-10-31	2021-10-31	2020-10-31	2019-10-31	2018-10-31	2017-12-31	2017-10-31	2016-12-31	2016-10-31	2015-12-31	2015-10-31	2014-12-31	2014-10-31	2013-10-31	2012-10-31	2011-10-31	2010-10-31
Cash from Operations (CFO)	$19.5B	$10.2B	$29.0B	$9.6B	$5.0B	$44.0B	$50.8B	$29.3B	$17.9B	($4.3B)	$2.9B	$2.6B	($2.7B)	$24.1B	$2.2B	$16.1B	($2.9B)	$11.4B	$10.3B	$1.6B	($6.6B)
Capital Expenditures (CapEx)	$1.8B	$1.7B	$1.6B	$1.7B	$1.4B	$983M	$1.0B	$1.1B	$886M	$4.9B	$791M	$4.6B	$611M	$5.0B	$524M	$5.4B	$737M	$615M	$664M	$639M	$481M
Free Cash Flow (FCF)	$17.7B	$8.5B	$27.5B	$7.9B	$3.5B	$43.1B	$49.8B	$28.2B	$17.0B	($9.3B)	$2.1B	($2.1B)	($3.3B)	$19.1B	$1.7B	$10.8B	($3.7B)	$10.8B	$9.6B	$977M	($7.1B)
FCF Margin %	23.0%	10.9%	35.0%	11.6%	9.4%	132.6%	144.9%	73.0%	52.7%	-17.7%	7.6%	-3.6%	-13.1%	44.6%	7.3%	18.3%	-16.2%	50.6%	46.2%	5.1%	-45.7%
Dividends Paid	$5.1B	$5.0B	$3.8B	$2.7B	$2.6B	$3.0B	$2.5B	$2.8B	$2.6B	$3.7B	$2.0B	$3.0B	$2.2B	$2.2B	$2.1B	$490M	$1.9B	$1.9B	$1.4B	$1.7B	$1.2B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

BMO Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-04-30	2026-01-31	2025-10-31	2025-07-31	2025-04-30	2025-01-31	2024-10-31	2024-07-31
Cash from Operations (CFO)	$9.1B	$1.8B	$12.8B	($4.2B)	($3.2B)	$4.9B	$4.7B	$2.0B
Capital Expenditures (CapEx)	$476M	$384M	$499M	$405M	$439M	$386M	$432M	$413M
Free Cash Flow (FCF)	$8.6B	$1.4B	$12.3B	($4.6B)	($3.6B)	$4.5B	$4.3B	$1.6B
FCF Margin %	44.9%	7.3%	63.6%	-24.0%	-18.9%	21.9%	21.6%	7.9%
Dividends Paid	$1.3B	$1.3B	$1.2B	$1.3B	$1.2B	$1.3B	$1.2B	$1.2B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

BMO Balance Sheet History

Balance sheet	2026-04-30	2025-10-31	2024-10-31	2023-10-31	2022-10-31	2021-10-31	2020-10-31	2019-10-31	2018-10-31	2017-12-31	2017-10-31	2016-12-31	2016-10-31	2015-12-31	2015-10-31	2014-12-31	2014-10-31	2013-10-31	2012-10-31	2011-10-31	2010-10-31
Total Assets	$1.50T	$1.48T	$1.41T	$1.35T	$1.14T	$988.2B	$949.3B	$852.2B	$774.0B	$1.10T	$709.6B	$1.01T	$687.9B	$1.19T	$641.9B	$1.33T	$588.7B	$537.0B	$525.4B	$500.6B	$437.7B
Cash & Cash Equivalents	$67.1B	$70.3B	$68.7B	$82.0B	$93.2B	$101.6B	$66.4B	$56.8B	$50.4B	$365.4B	$39.1B	$348.5B	$36.1B	$408.1B	$47.7B	$444.5B	$34.5B	$32.6B	$26.3B	$25.7B	$22.6B
Total Liabilities	$1.41T	$1.39T	$1.33T	$1.27T	$1.07T	$930.7B	$892.7B	$801.1B	$728.3B	$1.03T	$665.2B	$951.2B	$645.6B	$1.12T	$602.0B	$1.26T	$553.3B	$505.9B	$495.4B	$472.7B	$416.0B
Total Debt (Short + Long-Term)	$260.6B	$307.4B	$369.9B	$351.3B	$226.0B	$208.9B	$183.4B	$183.9B	$108.1B	$104.2B	$103.4B	$110.5B	$98.0B	$115.2B	$106.1B	$148.6B	$44.1B	$33.2B	$44.3B	$37.8B	$45.5B
Total Shareholders' Equity	$85.5B	$88.1B	$84.2B	$76.1B	$71.0B	$57.5B	$56.6B	$51.1B	$45.7B	$66.2B	$44.4B	$59.3B	$42.3B	$68.7B	$39.9B	$75.9B	$34.3B	$30.1B	$28.7B	$26.4B	$20.2B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive BMO viewer.

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