Oct 2025 (Q4 FY25) — Dec 4, 2025
Bank of Montreal Q4 FY25 — Record net income and ROE rebuild on track
Read the full callBank of Montreal (BMO) earnings
- Oct 2025 (Q4 FY25)
- Oct 2025
Bank of Montreal earnings: last reported Thu, 4 Dec 2025, for the quarter ended Oct 2025.
Price
$166.02 −0.63% · −$1.05
Performance +32.9% 1Y
1Y: $124.92 on 17 Oct 2025 → $166.02. High $185.81 (14 Aug 2026), low $119.92 (20 Nov 2025).
- Previous close
- $167.07
- 52-week range
- $119.92 – $185.81
- One year
- +31.97%
Overview
- Symbol
- BMO
- Sector
- Financials
- Industry
- Commercial Banks, NEC
- Exchange
- US
- Currency
- USD
Call summaries
Jul 2025 (Q3 FY25) — Aug 26, 2025
Bank of Montreal Q3 FY25 — Record Earnings and ROE Rebuild Progress
Read the full callEvery analysed call
Bank of Montreal earnings calls (BMO)
Financials
What the filings say
| Line item | Oct 2018 | Oct 2019 | Oct 2020 | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|---|---|---|
| Total liabilities | — | — | 671,277 | 753,493 | 781,360 | 917,311 | 952,988 | 990,006 |
| Fixed assets | 1,513 | 1,562 | 3,146 | 3,606 | 3,541 | 4,505 | 4,493 | 4,457 |
| Total assets | 589,133 | 647,813 | 713,835 | 800,066 | 833,324 | 972,255 | 1,013,593 | 1,052,812 |
| Line item | Oct 2018 | Oct 2019 | Oct 2020 | Oct 2021 | Oct 2022 | Oct 2023 | Oct 2024 | Oct 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 13,646 | 22,275 | 38,228 | 35,664 | 3,626 | 6,923 | 19,201 | 7,300 |
| Cash from investing | -8,634 | -14,884 | -24,044 | -242 | -21,558 | -15,271 | -17,637 | 431 |
| Cash from financing | 2,085 | -1,986 | -7,749 | -4,147 | 11,689 | 193 | -10,847 | -6,183 |
| Net cash flow | 7,270 | 5,063 | 6,471 | 29,028 | -4,239 | -6,880 | -9,230 | 1,701 |
| Capital expenditure | -251 | -363 | -300 | -392 | -568 | -639 | — | — |
| Free cash flow | 13,395 | 21,912 | 37,928 | 35,272 | 3,058 | 6,284 | — | — |
BMO operating KPIs by quarter
| KPI | Jul 2025 Q3 FY25 | Oct 2025 Q4 FY25 | Change vs prior quarter |
|---|---|---|---|
| Common equity tier 1 ratio (CET1) | 13.5%Our CET1 ratio of 13.5% remains strong as we continue to execute share buybacks to return excess capital to our shareholders with ample flexibility to deploy our balance sheet to support client growth.Source: earnings call transcript | 13.3%Our CET1 ratio of 13.3% remains above our target, and we're maintaining steady execution of our share buyback program.Source: earnings call transcript | -0.2 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
No filings in the last 12 months.
No officer, director or 10% owner of BMO filed a Form 4 in this window. That is a statement about filings, not about ownership — see the note below.
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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