BMO vs. BSBR: Bank of Montreal vs. Banco Santander (Brasil) Stock Comparison

Company Profile

Bank of Montreal (BMO) and Banco Santander (Brasil) (BSBR) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Bank of Montreal (BMO) trades as ordinary local shares, while Banco Santander (Brasil) (BSBR) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Bank of Montreal (BMO) at 10.57% and Banco Santander (Brasil) (BSBR) at 10.20% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Banco Santander (Brasil) (BSBR) at 27.53% keeps about the industry-typical share of revenue as profit, while Bank of Montreal (BMO) at 25.66% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) in Banks and Banco Santander (Brasil) (BSBR) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Bank of Montreal (BMO) at 12.67% is around its peer norm for revenue growth, while Banco Santander (Brasil) (BSBR) at -3.79% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Bank of Montreal (BMO) at 20.29% is around its peer norm for EPS growth, while Banco Santander (Brasil) (BSBR) at -4.61% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of Montreal (BMO) in Banks and Banco Santander (Brasil) (BSBR) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Bank of Montreal (BMO) in Banks and Banco Santander (Brasil) (BSBR) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Both Bank of Montreal (BMO) at 3.87% and Banco Santander (Brasil) (BSBR) at 5.60% offer top-quartile dividend income relative to share price within their industries.

Banco Santander (Brasil) (BSBR) reports payout ratio above 100% at 143.10%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Bank of Montreal (BMO) reports 54.44%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both look expensive on trailing earnings: Banco Santander (Brasil) (BSBR) at 14.97 sits in the richer P/E ratio quartile, and Bank of Montreal (BMO) at 19.34 is richer still, above its industry range.

P/S ratio is set aside for both Bank of Montreal (BMO) in Banks and Banco Santander (Brasil) (BSBR) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Banco Santander (Brasil) (BSBR) at 0.34 is valued below its industry’s P/B ratio range against book, whereas Bank of Montreal (BMO) at 1.97 carries an above-typical premium — a wide price-to-book gap between them.

Valuation Metrics