BMO vs. TFC: Bank of Montreal vs. Truist Financial Stock Comparison
How do Bank of Montreal (BMO) and Truist Financial (TFC) 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 Truist Financial (TFC) both belong to the Banks industry, though BMO is classified under Diversified Banks while TFC falls under Regional Banks.
| Profile Item | BMO | TFC |
|---|---|---|
| Name | Bank of Montreal | Truist Financial Corporation |
| 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 | 59.18 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 27, 1994 | March 18, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BMO | TFC |
|---|---|---|
| Total Return (1Y) | 44.12% | 18.58% |
| Total Return (3Y, Annualized) | 35.66% | 25.74% |
| Total Return (5Y, Annualized) | 13.54% | -0.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BMO | TFC |
|---|---|---|
| Volatility (1Y, Annualized) | 20.96% | 23.91% |
| Beta (5Y) | 0.93 | 0.88 |
| Max Drawdown (5Y) | -34.29% | -59.11% |
| Avg. Volume (3M) | 728.11K | 7.35M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BMO | TFC |
|---|---|---|
| Sharpe Ratio (1Y) | 1.90 | 0.60 |
| Sortino Ratio (1Y) | 2.79 | 0.83 |
Profitability
ROE (TTM)
Bank of Montreal (BMO) at 10.57% is around its peer norm for ROE, while Truist Financial (TFC) at 8.16% 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%
TFC
Banks industry group
8.16%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- TFC
- 8.16%
- Min
- 3.64%
Net Margin (TTM)
Truist Financial (TFC) at 28.38% 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%
TFC
Banks industry group
28.38%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- TFC
- 28.38%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BMO | TFC |
|---|---|---|
| ROE (TTM) | 10.57% | 8.16% |
| ROA (TTM) | 0.62% | 0.95% |
| Net Margin (TTM) | 25.66% | 28.38% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Truist Financial (TFC) at 53.03% clears its industry range for revenue growth, far stronger top-line momentum than Bank of Montreal (BMO) at 12.67%, which is closer to a typical peer reading.
EPS Growth
Both Bank of Montreal (BMO) at 20.29% and Truist Financial (TFC) at 13.69% 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 | TFC |
|---|---|---|
| Revenue Growth (YoY) | 12.67% | 53.03% |
| Revenue Growth (3Y CAGR) | 11.19% | 0.57% |
| EPS Growth (YoY) | 20.29% | 13.69% |
| EPS Growth (3Y CAGR) | -16.98% | -4.82% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of Montreal (BMO) in Banks and Truist Financial (TFC) 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 Truist Financial (TFC) 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 | TFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Bank of Montreal (BMO) at 3.87% and Truist Financial (TFC) at 4.17% 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%
TFC
Banks industry group
4.17%
- Max
- 5.79%
- TFC
- 4.17%
- 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 Truist Financial (TFC) at 53.61% 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%
TFC
Banks industry group
53.61%
- Max
- 70.75%
- TFC
- 53.61%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BMO | TFC |
|---|---|---|
| Dividend Yield (TTM) | 3.87% | 4.17% |
| Dividend Payout Ratio (TTM) | 54.44% | 53.61% |
Valuation
P/E Ratio (TTM)
Truist Financial (TFC) at 12.73 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
TFC
Banks industry group
12.73
- Max
- 18.16
- Q3
- 13.75
- TFC
- 12.73
- Median
- 11.81
- 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 Truist Financial (TFC) 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)
Truist Financial (TFC) at 1.06 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
TFC
Banks industry group
1.06
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- TFC
- 1.06
- Min
- 0.59
Valuation Metrics
| Metric | BMO | TFC |
|---|---|---|
| P/E Ratio (TTM) | 19.34 | 12.73 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.97 | 1.06 |
| Free Cash Flow Yield (TTM) | -- | -- |