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Bank of Montreal
Bank of Montreal (BMO) investor relations material
Bank of Montreal Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary25 Feb, 2026
Executive summary
Adjusted EPS rose 15% year-over-year to $3.48, with reported EPS up 20%, despite a $202 million severance charge reducing EPS by $0.21.
Record pre-provision, pre-tax earnings and record revenue achieved in all operating segments, driven by strong fee growth and margin expansion.
Underlying ROE improved to 13.1% year-over-year, with adjusted ROE at 12.4% and reported ROE at 12.1%.
6 million shares repurchased during the quarter.
Completed acquisition of Burgundy Asset Management, contributing to Wealth Management results.
Financial highlights
Adjusted net income was $2.6 billion, up 11% year-over-year; reported net income was $2.5 billion, up 16%.
Revenue increased 6% year-over-year (8% on constant currency), reaching $9,824 million.
Non-interest revenue grew 9% year-over-year, led by wealth management and trading revenues.
Expenses increased 9% (5% excluding severance charge), with positive operating leverage of 1.1%.
CET1 ratio at 13.1%, reflecting capital deployment, share repurchases, and the Burgundy acquisition.
Outlook and guidance
Targeting sustained ROE of 15% by exit of 2027, with 60% progress achieved in 40% of the planned timeframe.
Management expects ongoing momentum in core operating performance, margin stability, and further improvement in U.S. Banking.
Annualized savings of $250 million from severance charge, half realized in 2026, remainder in 2027.
Impaired provisions anticipated to remain in the mid-40 bps range, with quarterly variability.
Focus remains on disciplined execution, operational efficiency, and strategic investments in technology and talent.
Severance costs impact on future efficiency
Drivers of performing loan PCL reduction
Impact of revised card redemption assumptions
Drivers of Business & Gov't GIL moderation
Quantify Digital First strategy's business value
How BMO maintains neutral rate sensitivity
What are the key drivers of CET1 ratio decline?
Is performing loan PCL trend sustainable?
What are expected benefits from severance costs?
U.S. Banking ROE contribution to 2027 target?
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Next Bank of Montreal earnings date
2026 RBC Capital Markets Global Financial Institutions Conference10 Mar, 2026
Bank of Montreal
Next Bank of Montreal earnings date
2026 RBC Capital Markets Global Financial Institutions Conference10 Mar, 2026
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Frequently asked questions
Canada's First Bank
Founded in 1817, Bank of Montreal (BMO) holds the prestigious title of being Canada's first bank. With its headquarters in Montreal, Quebec, BMO has become a mainstay in the Canadian financial sector. The bank offers a diverse range of services, including personal and commercial banking, wealth management, and investment banking services. BMO has extended its reach into various international markets, including the United States, where it operates as BMO Harris Bank.
The Birth of a Canadian Institution
Bank of Montreal was founded after a British charter that allowed businessmen in Montreal to establish a bank to serve the developing and thriving colonial economy. The bank played a key role in the nation's early days, fostering commercial growth and financing infrastructure projects, including railways and telegraph systems. With a solid foundation and an emphasis on fostering economic growth, BMO quickly grew to become a prominent fixture of the Canadian financial ecosystem. Some of the bank's main competitors in Canada are institutions such as RBC, CIBC, and TD.
A Comprehensive Suite of Financial Services
Throughout the decades, BMO has diversified its portfolio, offering a comprehensive range of financial services to meet the needs of its clientele. In Personal and Commercial banking, BMO provides a suite of financial products including checking and savings accounts, credit cards, mortgages, loans, and business banking services.
BMO, like many of its competitors also offers wealth management services. This service provides private banking, investment advisory services, and estate planning. The investment banking arm of BMO Financial Group, BMO Capital Markets, offers a broad range of services, including equity and debt underwriting, corporate lending and project financing, merger and acquisitions advisory services, and other services typically offered by this type of financial institution.
Southward Expansion
BMO expanded its presence in the United States with the acquisition of Harris Bankcorp in 1984. Today, BMO Harris Bank is one of the largest banks in the Midwest serving private individuals as well as commercial customers. Even if BMO is first and foremost a Canadian institution, expansion into the US has been well-received throughout the years and has allowed the bank to significantly increase its reach.
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