Bank of Montreal
Bank of Montreal is classed by the SEC under Commercial Banks, NEC (industry code 6029), based in Toronto, ON. In its latest annual figures on file, for the fiscal year ended 2025-10-31, it reported revenue of CAD 36 billion and a profit of CAD 8.7 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6029, Commercial Banks, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.4 out of ten, 8 of 9 metrics filed and 1 estimated: past 4.6 out of ten, present 4.2 out of ten, future 4.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 5.9 out of ten. No warning events in its filings since 2017. 59th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 4.0 out of ten. +6.2% a year over 10 filed years; profitable in 10 of 10. 40th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 3.3 out of ten. Share count grew 2.8% a year. 29% of cash flow returned. Insiders: 0 sales, 0 purchases. 33rd percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 4.2 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 94%: owes 94¢ per asset dollar. 42nd percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 3.8 out of ten. bottom 38% of 21 in its family; net margin 24.1%. 38th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 15 of 100 (universe median). 50th percentile among 3814 sector filers. A CrossAssetData estimate, not a filed reading: universe median, confidence 15 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
- Room to expand (future): 4.1 out of ten. bottom 41% of 19 in its family for room to expand. 41st percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.1 out of ten. bottom 41% of 22 in its family for growth drivers. 41st percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.7 out of ten. bottom 47% of 20 in its family for expectations against reality. 47th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 40-F filed 2025-12-04 for the period ended 2025-10-31 (on EDGAR). Newest filing: Form FWP, 2026-10-09. Filings on record since 1998. Read from EDGAR 2026-10-12.
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