Bank of MontrealHAM:BZZ -2.31%52 EV-to-FCF is 22.36 as of Jul. 06, 2026, which is 112% above its 10-year median of 10.56. GuruFocus rates HAM:BZZ with a GF Score™ of 52/100 and a GF Value™ of €97.82 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,196 Banks companies, Bank of Montreal ranks worse than 84.36% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Bank of Montreal's Enterprise Value is €243,669 Mil.
Bank of Montreal's Free Cash Flow for the trailing twelve months (TTM) ended in Apr. 2026 was €10,898 Mil. Therefore, Bank of Montreal's EV-to-FCF for today is 22.36.
The historical rank and industry rank for Bank of Montreal's EV-to-FCF or its related term are showing as below:
HAM:BZZ'
s EV-to-FCF Range Over the Past 10 Years
Min: -717.98 Med: 10.56 Max: 651.4
Current: 22.29
During the past 13 years, the highest EV-to-FCF of Bank of Montreal was 651.40. The lowest was -717.98. And the median was 10.56.
HAM:BZZ's EV-to-FCF is ranked worse than 84.36% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs HAM:BZZ: 22.29
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank of Montreal's PE Ratio (TTM) for today is calculated as:
Bank of Montreal's share price for today is €152.36.
Bank of Montreal's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Apr. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €8.079.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bank of Montreal EV-to-FCF Related Terms
Bank of Montreal EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Bank of Montreal's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Diversified subindustry, Bank of Montreal's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of Montreal EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Montreal's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Bank of Montreal's EV-to-FCF falls into.
Bank of Montreal's current Enterprise Value is €243,669 Mil.
Bank of Montreal's Free Cash Flow for the trailing twelve months (TTM) ended in Apr. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €10,898 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of Montreal (HAM:BZZ) has a EV-to-FCF of 22.36 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of Montreal and its competitors. This is 112% above median its historical median of 10.56. According to the industry distribution chart, Bank of Montreal ranks #1009 out of 1196 companies in the Banks industry, placing it in the top 84.4%.
Is Bank of Montreal's EV-to-FCF too high?
Bank of Montreal's current EV-to-FCF of 22.36 is 112% above median its 10-year median of 10.56. The Banks industry median EV-to-FCF is 6.57. Bank of Montreal's value of 22.36 is 240.6% above this industry median. Based on the distribution chart, Bank of Montreal ranks #1009 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of Montreal has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Montreal's EV-to-FCF compare to JPM and BAC?
According to the Banks industry distribution chart, Bank of Montreal ranks #1009 out of 1196 companies for EV-to-FCF. This places Bank of Montreal in the lower half of its industry. The industry median EV-to-FCF is 6.57. Bank of Montreal's value of 22.36 is 240.6% above this benchmark. While the company's 10-year median is 10.56 vs. the industry median of 6.57, Bank of Montreal has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Montreal's current EV-to-FCF of 22.36 is 240.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of Montreal and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Montreal's current EV-to-FCF is 22.36, which is 112% above median its own 10-year median of 10.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Montreal stock overvalued right now?
Based on GuruFocus' analysis, Bank of Montreal (HAM:BZZ) is currently considered Significantly Overvalued. The stock's GF Value™ is €97.82, compared to a current price of €152.36 — trading 55.8% above its estimated fair value. The current EV-to-FCF is 22.36, which is 112% above median its 10-year median of 10.56 and 240.6% above the Banks industry median of 6.57. Bank of Montreal's overall GF Score™ is 52/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Bank of Montreal (HAM:BZZ), the current EV-to-FCF is 22.36 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of Montreal (HAM:BZZ) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Montreal stock appears to be overvalued.
The current stock price of €152.36 is trading 55.8% above its estimated GF Value™ of €97.82.
GuruFocus considers Bank of Montreal to be Significantly Overvalued.
Key valuation signals for HAM:BZZ:
EV-to-FCF: 22.36 (112% above median its 10-year median of 10.56)
GF Value™: €97.82 vs. price of €152.36 (55.8% above fair value)
Industry Position: 240.6% above the Banks median (#1009 of 1196)
No single metric tells the full story. See the HAM:BZZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Montreal is a diversified financial services provider based in North America with over CAD 1.47 trillion in assets by the end of fiscal 2025. BMO operates four business segments: Canadian personal and commercial banking, US personal and commercial banking, wealth management, and capital markets. About 60% of BMO's earnings are generated in Canada and 40% in the US.
52GF Score
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