BMO vs. C: Bank of Montreal vs. Citigroup Stock Comparison
How do Bank of Montreal (BMO) and Citigroup (C) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Bank of Montreal (BMO) and Citigroup (C) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | BMO | C |
|---|---|---|
| Name | Bank of Montreal | Citigroup Inc. |
| Country/Region | Canada | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 118.95 billion USD | 197.05 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 27, 1994 | January 3, 1977 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BMO | C |
|---|---|---|
| Total Return (1Y) | 44.12% | 23.42% |
| Total Return (3Y, Annualized) | 35.66% | 47.29% |
| Total Return (5Y, Annualized) | 13.54% | 16.24% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BMO | C |
|---|---|---|
| Volatility (1Y, Annualized) | 20.96% | 29.96% |
| Beta (5Y) | 0.93 | 1.17 |
| Max Drawdown (5Y) | -34.29% | -40.60% |
| Avg. Volume (3M) | 728.11K | 9.35M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BMO | C |
|---|---|---|
| Sharpe Ratio (1Y) | 1.90 | 0.64 |
| Sortino Ratio (1Y) | 2.79 | 0.90 |
Profitability
ROE (TTM)
Bank of Montreal (BMO) at 10.57% is around its peer norm for ROE, while Citigroup (C) at 9.35% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
BMO
Banks industry group
10.57%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- BMO
- 10.57%
- Q1
- 9.50%
- Min
- 3.64%
C
Banks industry group
9.35%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- C
- 9.35%
- Min
- 3.64%
Net Margin (TTM)
Both Bank of Montreal (BMO) at 25.66% and Citigroup (C) at 23.21% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.
BMO
Banks industry group
25.66%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- BMO
- 25.66%
- Min
- 14.93%
C
Banks industry group
23.21%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- C
- 23.21%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) in Banks and Citigroup (C) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BMO | C |
|---|---|---|
| ROE (TTM) | 10.57% | 9.35% |
| ROA (TTM) | 0.62% | 0.71% |
| Net Margin (TTM) | 25.66% | 23.21% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Bank of Montreal (BMO) at 12.67% is around its peer norm for revenue growth, while Citigroup (C) at 5.63% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Bank of Montreal (BMO) at 20.29% and Citigroup (C) at 17.68% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | BMO | C |
|---|---|---|
| Revenue Growth (YoY) | 12.67% | 5.63% |
| Revenue Growth (3Y CAGR) | 11.19% | 4.59% |
| EPS Growth (YoY) | 20.29% | 17.68% |
| EPS Growth (3Y CAGR) | -16.98% | -0.05% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of Montreal (BMO) in Banks and Citigroup (C) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Bank of Montreal (BMO) in Banks and Citigroup (C) 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
| Metric | BMO | C |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Bank of Montreal (BMO) at 3.87% delivers top-quartile income for its industry, while Citigroup (C) at 2.09% pays a more typical yield — both are credible income propositions, BMO the richer one.
BMO
Banks industry group
3.87%
- Max
- 5.79%
- BMO
- 3.87%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
C
Banks industry group
2.09%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- C
- 2.09%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citigroup (C) at 24.07% pays out a band-typical share of earnings, while Bank of Montreal (BMO) at 54.44% distributes more than its industry norm — less retained, thinner cover.
BMO
Banks industry group
54.44%
- Max
- 70.75%
- BMO
- 54.44%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
C
Banks industry group
24.07%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- C
- 24.07%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BMO | C |
|---|---|---|
| Dividend Yield (TTM) | 3.87% | 2.09% |
| Dividend Payout Ratio (TTM) | 54.44% | 24.07% |
Valuation
P/E Ratio (TTM)
Citigroup (C) at 11.60 is near its industry’s usual P/E ratio, while Bank of Montreal (BMO) at 19.34 sits above its peer range — an unusually expensive price for BMO’s trailing earnings.
BMO
Banks industry group
19.34
- BMO
- 19.34
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
C
Banks industry group
11.60
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- C
- 11.60
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Bank of Montreal (BMO) in Banks and Citigroup (C) 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.
P/B Ratio (MRQ)
Citigroup (C) at 1.03 looks cheap against book in the lower P/B ratio quartile, while Bank of Montreal (BMO) at 1.97 carries a premium in the upper quartile — a clear price-to-book gap.
BMO
Banks industry group
1.97
- Max
- 2.28
- BMO
- 1.97
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
C
Banks industry group
1.03
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- C
- 1.03
- Min
- 0.59
Valuation Metrics
| Metric | BMO | C |
|---|---|---|
| P/E Ratio (TTM) | 19.34 | 11.60 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.97 | 1.03 |
| Free Cash Flow Yield (TTM) | -- | -- |