BMO vs. CIB: Bank of Montreal vs. Grupo Cibest Stock Comparison

Company Profile

Bank of Montreal (BMO) and Grupo Cibest (CIB) 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 Grupo Cibest (CIB) 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

Grupo Cibest (CIB) at 19.22% sits in the top ROE quartile, while Bank of Montreal (BMO) at 10.57% is closer to the peer norm — stronger capital efficiency for CIB.

Both Bank of Montreal (BMO) at 25.66% and Grupo Cibest (CIB) at 17.57% 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 Grupo Cibest (CIB) 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 Grupo Cibest (CIB) at 5.11% 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 Grupo Cibest (CIB) at -38.49% falls below its industry range, a notably weak earnings reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of Montreal (BMO) in Banks and Grupo Cibest (CIB) 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 Grupo Cibest (CIB) 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

Grupo Cibest (CIB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bank of Montreal (BMO) reports a yield of 3.87%, ranking against industry peers normally.

Grupo Cibest (CIB) at 31.29% 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

Grupo Cibest (CIB) at 11.13 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 Grupo Cibest (CIB) 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.

Grupo Cibest (CIB) at 0.00 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