BMO vs. HSBC: Bank of Montreal vs. HSBC Stock Comparison
How do Bank of Montreal (BMO) and HSBC (HSBC) 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 HSBC (HSBC) 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 HSBC (HSBC) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | BMO | HSBC |
|---|---|---|
| Name | Bank of Montreal | HSBC Holdings plc Sponsored ADR |
| Country/Region | Canada | United Kingdom |
| 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 | 297.66 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 27, 1994 | July 16, 1999 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BMO | HSBC |
|---|---|---|
| Total Return (1Y) | 44.12% | 32.02% |
| Total Return (3Y, Annualized) | 35.66% | 43.61% |
| Total Return (5Y, Annualized) | 13.54% | 33.35% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BMO | HSBC |
|---|---|---|
| Volatility (1Y, Annualized) | 20.96% | 28.54% |
| Beta (5Y) | 0.93 | 0.54 |
| Max Drawdown (5Y) | -34.29% | -31.80% |
| Avg. Volume (3M) | 728.11K | 1.58M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BMO | HSBC |
|---|---|---|
| Sharpe Ratio (1Y) | 1.90 | 0.97 |
| Sortino Ratio (1Y) | 2.79 | 1.52 |
Profitability
ROE (TTM)
HSBC (HSBC) at 14.22% sits in the top ROE quartile, while Bank of Montreal (BMO) at 10.57% is closer to the peer norm — stronger capital efficiency for HSBC.
BMO
Banks industry group
10.57%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- BMO
- 10.57%
- Q1
- 9.50%
- Min
- 3.64%
HSBC
Banks industry group
14.22%
- Max
- 19.84%
- HSBC
- 14.22%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
HSBC (HSBC) at 41.16% keeps a top-quartile share of each sales dollar as profit, while Bank of Montreal (BMO) at 25.66% keeps a bottom-quartile share.
BMO
Banks industry group
25.66%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- BMO
- 25.66%
- Min
- 14.93%
HSBC
Banks industry group
41.16%
- Max
- 47.19%
- HSBC
- 41.16%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) in Banks and HSBC (HSBC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BMO | HSBC |
|---|---|---|
| ROE (TTM) | 10.57% | 14.22% |
| ROA (TTM) | 0.62% | 0.84% |
| Net Margin (TTM) | 25.66% | 41.16% |
| 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 HSBC (HSBC) at 5.38% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Bank of Montreal (BMO) at 20.29% is around its peer norm for EPS growth, while HSBC (HSBC) at -3.23% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | BMO | HSBC |
|---|---|---|
| Revenue Growth (YoY) | 12.67% | 5.38% |
| Revenue Growth (3Y CAGR) | 11.19% | 9.75% |
| EPS Growth (YoY) | 20.29% | -3.23% |
| EPS Growth (3Y CAGR) | -16.98% | 17.49% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of Montreal (BMO) in Banks and HSBC (HSBC) 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 HSBC (HSBC) 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 | HSBC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Bank of Montreal (BMO) at 3.87% offers top-quartile income, while HSBC (HSBC) at 0.86% sits in the bottom quartile — a wide gap in cash returned to shareholders.
BMO
Banks industry group
3.87%
- Max
- 5.79%
- BMO
- 3.87%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
HSBC
Banks industry group
0.86%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- HSBC
- 0.86%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Bank of Montreal (BMO) at 54.44% and HSBC (HSBC) at 53.57% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
BMO
Banks industry group
54.44%
- Max
- 70.75%
- BMO
- 54.44%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
HSBC
Banks industry group
53.57%
- Max
- 70.75%
- HSBC
- 53.57%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BMO | HSBC |
|---|---|---|
| Dividend Yield (TTM) | 3.87% | 0.86% |
| Dividend Payout Ratio (TTM) | 54.44% | 53.57% |
Valuation
P/E Ratio (TTM)
HSBC (HSBC) at 11.38 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
HSBC
Banks industry group
11.38
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- HSBC
- 11.38
- 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 HSBC (HSBC) 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)
Both look rich against book: Bank of Montreal (BMO) at 1.97 sits in the upper P/B ratio quartile, and HSBC (HSBC) at 6.87 prices even higher, above its industry range.
BMO
Banks industry group
1.97
- Max
- 2.28
- BMO
- 1.97
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
HSBC
Banks industry group
6.87
- HSBC
- 6.87
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BMO | HSBC |
|---|---|---|
| P/E Ratio (TTM) | 19.34 | 11.38 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.97 | 6.87 |
| Free Cash Flow Yield (TTM) | -- | -- |