BMO vs. RF: Bank of Montreal vs. Regions Financial Stock Comparison
How do Bank of Montreal (BMO) and Regions Financial (RF) 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 Regions Financial (RF) both belong to the Banks industry, though BMO is classified under Diversified Banks while RF falls under Regional Banks.
| Profile Item | BMO | RF |
|---|---|---|
| Name | Bank of Montreal | Regions Financial Corp. |
| Country/Region | Canada | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 118.95 billion USD | 24.06 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 27, 1994 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BMO | RF |
|---|---|---|
| Total Return (1Y) | 44.12% | 22.28% |
| Total Return (3Y, Annualized) | 35.66% | 30.40% |
| Total Return (5Y, Annualized) | 13.54% | 8.09% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BMO | RF |
|---|---|---|
| Volatility (1Y, Annualized) | 20.96% | 23.37% |
| Beta (5Y) | 0.93 | 1.00 |
| Max Drawdown (5Y) | -34.29% | -40.99% |
| Avg. Volume (3M) | 728.11K | 9.26M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BMO | RF |
|---|---|---|
| Sharpe Ratio (1Y) | 1.90 | 0.77 |
| Sortino Ratio (1Y) | 2.79 | 1.11 |
Profitability
ROE (TTM)
Both Bank of Montreal (BMO) at 10.57% and Regions Financial (RF) at 12.38% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
BMO
Banks industry group
10.57%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- BMO
- 10.57%
- Q1
- 9.50%
- Min
- 3.64%
RF
Banks industry group
12.38%
- Max
- 19.84%
- Q3
- 13.67%
- RF
- 12.38%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Regions Financial (RF) at 31.29% keeps about the industry-typical share of revenue as profit, while Bank of Montreal (BMO) at 25.66% retains only 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%
RF
Banks industry group
31.29%
- Max
- 47.19%
- Q3
- 35.25%
- RF
- 31.29%
- 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 Regions Financial (RF) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BMO | RF |
|---|---|---|
| ROE (TTM) | 10.57% | 12.38% |
| ROA (TTM) | 0.62% | 1.42% |
| Net Margin (TTM) | 25.66% | 31.29% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Bank of Montreal (BMO) at 12.67% and Regions Financial (RF) at 6.25% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Bank of Montreal (BMO) at 20.29% and Regions Financial (RF) at 19.17% 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 | RF |
|---|---|---|
| Revenue Growth (YoY) | 12.67% | 6.25% |
| Revenue Growth (3Y CAGR) | 11.19% | 1.65% |
| EPS Growth (YoY) | 20.29% | 19.17% |
| EPS Growth (3Y CAGR) | -16.98% | 0.29% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of Montreal (BMO) in Banks and Regions Financial (RF) 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 Regions Financial (RF) 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 | RF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Bank of Montreal (BMO) at 3.87% and Regions Financial (RF) at 3.85% offer top-quartile dividend income relative to share price within their industries.
BMO
Banks industry group
3.87%
- Max
- 5.79%
- BMO
- 3.87%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
RF
Banks industry group
3.85%
- Max
- 5.79%
- RF
- 3.85%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Bank of Montreal (BMO) at 54.44% and Regions Financial (RF) at 43.27% 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%
RF
Banks industry group
43.27%
- Max
- 70.75%
- RF
- 43.27%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BMO | RF |
|---|---|---|
| Dividend Yield (TTM) | 3.87% | 3.85% |
| Dividend Payout Ratio (TTM) | 54.44% | 43.27% |
Valuation
P/E Ratio (TTM)
Regions Financial (RF) at 11.10 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
RF
Banks industry group
11.10
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- RF
- 11.10
- 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 Regions Financial (RF) 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)
Regions Financial (RF) at 1.46 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.
BMO
Banks industry group
1.97
- Max
- 2.28
- BMO
- 1.97
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
RF
Banks industry group
1.46
- Max
- 2.28
- Q3
- 1.58
- RF
- 1.46
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BMO | RF |
|---|---|---|
| P/E Ratio (TTM) | 19.34 | 11.10 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.97 | 1.46 |
| Free Cash Flow Yield (TTM) | -- | -- |