NYSE$BMO
Bank of Montreal · Q2 2025 earnings
Q2 2025 earnings · · Investor relations
Briefing
BMO reported higher net income and EPS compared to the same quarter last year, supported by strong revenue across all segments.
BMO Financial Group posted a strong Q2 2025, with gains in net income and EPS over the prior year. All operating segments contributed to revenue growth, despite increased credit loss provisions. The bank's capital position remains solid, enabling dividend increases and share buybacks.
- Reported net income increased to CAD$1.96B from CAD$1.87B in Q2 2024.
- Adjusted EPS rose to CAD$2.62 from CAD$2.59 in the same quarter last year.
- Provision for credit losses increased significantly to CAD$1.054B.
- The Common Equity Tier 1 (CET1) Ratio improved to 13.5%.
Headline financials
Revenue & EPS history
BMO · Revenue · Quarterly
$6.28B
Forward guidance
BMO is focused on rebuilding ROE and optimizing its balance sheet amid economic uncertainty.
Tailwinds
- Strong capital position with CET1 at 13.5%
- Dividend increased to CAD$1.63 per share
- Share buybacks of 7 million shares
- Revenue growth across all operating groups
- Moderation in impaired credit provisions
Headwinds
- Higher provision for credit losses on performing loans
- Lower ROE compared to previous year
- Decline in Capital Markets net income
- Pressure from operating expenses
- Continued impact of economic outlook on loan performance
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 Q2 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