NYSE$BMO
Bank of Montreal · Q1 2025 earnings
Q1 2025 earnings · · Before market open · Investor relations
Briefing
BMO reported strong revenue growth and higher earnings in Q1 2025, driven by solid performance across all business segments.
BMO's Q1 2025 net income increased to $2.138 billion, compared to $1.292 billion in Q1 2024. Revenue grew to $9.266 billion, reflecting higher net interest and non-interest income. Adjusted EPS rose to $3.04 from $2.56. The bank maintained a strong CET1 capital ratio of 13.6%.
- Net income increased to $2.138 billion, up from $1.292 billion last year.
- Revenue rose to $9.266 billion, reflecting broad-based growth.
- Adjusted EPS grew to $3.04, compared to $2.56 in Q1 2024.
- Common Equity Tier 1 (CET1) ratio remained strong at 13.6%.
Headline financials
Revenue & EPS history
BMO · Revenue · Quarterly
$6.41B
Forward guidance
BMO remains well-positioned for future growth with strong capital reserves and strategic investments, despite potential credit risks and macroeconomic uncertainties.
Tailwinds
- Strong capital position with a CET1 ratio of 13.6%.
- Revenue growth across all major segments.
- Resumption of share buyback program.
- Adjusted ROE improved to 11.3%.
- Continued expansion in U.S. banking operations.
Headwinds
- Higher provisions for credit losses impact profitability.
- Economic uncertainties could affect loan growth.
- Higher operating expenses due to investments and regulatory costs.
- Competition in the banking sector remains high.
- Interest rate fluctuations may impact net interest margins.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 18 quarterly earnings reports · overlaid with Q1 2025
+0.3%
Avg return
Earnings day
+0.4%
Avg return
5 days after
+0.0%
Avg return
30 days after
53%
20 / 38 earnings
Positive
+5.9%
Q3 2020
Best reaction
-5.4%
Q2 2024
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q3 2026 | — | — | — | |
| Q2 2026 | +0.8% | +0.5% | — | |
| Q1 2026 | +4.0% | -1.2% | +10.1% | |
| Q3 2025 | +4.9% | +6.4% | +13.7% | |
| Q2 2025 | +1.4% | +2.9% | +4.1% | |
| Q1 2025 | -2.1% | +3.0% | -2.8% | |
| Q4 2024 | -0.1% | +5.8% | +0.8% | |
| Q2 2024 | -5.4% | -7.5% | -12.8% | |
| Q4 2023 | +3.6% | +4.3% | +20.2% | |
| Q3 2023 | +2.0% | +2.6% | +1.4% | |
| Q2 2023 | -4.6% | -3.0% | +0.9% | |
| Q1 2023 | -0.5% | -0.3% | -8.4% | |
| Q4 2022 | +1.2% | -3.4% | -7.4% | |
| Q3 2022 | -3.2% | -5.5% | -9.8% | |
| Q2 2022 | -0.5% | +3.1% | -8.3% | |
| Q1 2022 | -0.4% | +0.9% | +3.6% | |
| Q4 2021 | +2.2% | +3.7% | +2.4% | |
| Q3 2021 | +2.0% | -1.1% | -0.3% | |
| Q2 2021 | +0.9% | +2.5% | +2.1% | |
| Q1 2021 | +3.3% | +1.0% | +10.2% | |
| Q4 2020 | +2.6% | +5.6% | +4.6% | |
| Q3 2020 | +5.9% | +8.5% | +0.3% | |
| Q2 2020 | +1.8% | +0.3% | +1.5% | |
| Q1 2020 | -2.5% | -9.3% | -33.5% | |
| Q4 2019 | -1.8% | -0.2% | +2.6% | |
| Q3 2019 | -4.2% | -1.7% | +4.6% | |
| Q2 2019 | -2.1% | -3.8% | -0.8% | |
| Q1 2019 | +2.4% | +3.1% | -0.5% | |
| Q4 2018 | -4.1% | -6.8% | -12.1% | |
| Q3 2018 | +0.2% | -0.0% | +1.0% | |
| Q2 2018 | +1.2% | +1.8% | +0.9% | |
| Q1 2018 | -2.2% | -4.7% | -3.8% | |
| Q4 2017 | -0.3% | +0.2% | +3.8% | |
| Q3 2017 | -2.6% | -2.2% | +2.3% | |
| Q2 2017 | -2.4% | -3.6% | +0.7% | |
| Q1 2017 | -0.3% | +1.4% | -1.3% | |
| Q4 2016 | +2.7% | +8.2% | +9.4% | |
| Q3 2016 | +2.9% | +2.6% | +1.7% | |
| Q2 2016 | +2.5% | +1.2% | -0.9% | |
| Q1 2016 | — | — | — | |
| Q4 2015 | — | — | — | |
| Q3 2015 | — | — | — | |
| Q2 2015 | — | — | — | |
| Q1 2015 | — | — | — | |
| Q4 2014 | — | — | — | |
| Q3 2014 | — | — | — | |
| Q2 2014 | — | — | — | |
| Q1 2014 | — | — | — | |
| Q4 2013 | — | — | — | |
| Q3 2013 | — | — | — | |
| Q2 2013 | — | — | — | |
| Q1 2013 | — | — | — | |
| Q4 2012 | — | — | — | |
| Q3 2012 | — | — | — | |
| Q2 2012 | — | — | — | |
| Q1 2012 | — | — | — | |
| Q3 2011 | — | — | — | |
| Q2 2011 | — | — | — | |
| Q1 2011 | — | — | — | |
| Q4 2010 | — | — | — | |
| Q3 2010 | — | — | — | |
| Q1 2009 | — | — | — | |
| Q3 2008 | — | — | — | |
| Q2 2008 | — | — | — | |
| Q1 2008 | — | — | — | |
| Q3 2007 | — | — | — | |
| Q2 2007 | — | — | — | |
| Q1 2007 | — | — | — | |
| Q3 2006 | — | — | — | |
| Q2 2006 | — | — | — | |
| Q1 2006 | — | — | — | |
| Q4 2005 | — | — | — | |
| Q3 2005 | — | — | — | |
| Q2 2005 | — | — | — | |
| Q1 2005 | — | — | — | |
| Q3 2004 | — | — | — | |
| Q2 2004 | — | — | — | |
| Q1 2004 | — | — | — |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro