BMO vs. CFG: Bank of Montreal vs. Citizens Financial Stock Comparison

Company Profile

Bank of Montreal (BMO) and Citizens Financial (CFG) both belong to the Banks industry, though BMO is classified under Diversified Banks while CFG falls under Regional Banks.

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

Bank of Montreal (BMO) at 10.57% is around its peer norm for ROE, while Citizens Financial (CFG) at 8.90% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both Bank of Montreal (BMO) at 25.66% and Citizens Financial (CFG) at 27.02% 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.

Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) in Banks and Citizens Financial (CFG) 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 Citizens Financial (CFG) at 5.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Bank of Montreal (BMO) at 20.29% and Citizens Financial (CFG) at 27.39% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of Montreal (BMO) in Banks and Citizens Financial (CFG) 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 Citizens Financial (CFG) 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

Bank of Montreal (BMO) at 3.87% delivers top-quartile income for its industry, while Citizens Financial (CFG) at 2.88% pays a more typical yield — both are credible income propositions, BMO the richer one.

Citizens Financial (CFG) at 37.17% 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.

Dividend Metrics

Valuation

Citizens Financial (CFG) at 12.78 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.

P/S ratio is set aside for both Bank of Montreal (BMO) in Banks and Citizens Financial (CFG) 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.

Citizens Financial (CFG) at 1.16 is valued about in line with its industry on P/B ratio, while Bank of Montreal (BMO) at 1.97 carries an above-peer premium to book — BMO is pricier on assets.

Valuation Metrics