This report is for educational purposes only, and not to provide investment advice. Before making any investment decision, you should always do your own research or consult a investment professional.
While I try to be accurate, I assume no responsibility for any figure in this spreadsheet. Estimates Estimates Estimates
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Bank of Montreal TSX: BMO NYSE BMO www.bmo.com Fiscal Yr: Oct 31
Year 10/31/06 10/31/07 10/31/08 10/31/09 10/31/10 10/31/11 10/31/12 10/31/13 10/31/14 10/31/15 10/31/16 10/31/17 10/31/18 10/31/19 10/30/20 Value Description #Y Item Total G
Accounting Rules C GAAP C GAAP IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS Accounting Rules
split
Revenue* $10,112 $9,529 $10,205 $11,604 $12,210 $13,718 $16,130 $16,263 $16,718 $19,389 $21,087 $22,260 $22,262 $23,219 $23,785 133.60% <-Total Growth 10 Revenue
Increase 1.5% -5.8% 7.1% 13.7% 5.2% 12.4% 17.6% 0.8% 2.8% 16.0% 8.8% 5.6% 0.0% 4.3% 2.4% 8.85% <-IRR #YR-> 10 Revenue 133.60%
5 year Running Average $9,562 $9,696 $9,883 $10,282 $10,732 $11,453 $12,773 $13,985 $15,008 $16,444 $17,917 $19,143 $20,343 $21,643 $22,523 6.65% <-IRR #YR-> 5 Revenue 38.00%
Revenue per Share $20.19 $19.11 $20.17 $21.03 $21.55 $21.47 $24.79 $25.25 $25.84 $30.17 $32.65 $34.36 $34.36 $35.84 $36.72 7.04% <-IRR #YR-> 10 5 yr Running Average 97.43%
Increase 1.4% -5.4% 5.5% 4.3% 2.5% -0.4% 15.5% 1.9% 2.3% 16.8% 8.2% 5.2% 0.0% 4.3% 2.4% 8.43% <-IRR #YR-> 5 5 yr Running Average 49.87%
5 year Running Average $19.17 $19.39 $19.71 $20.08 $20.41 $20.67 $21.80 $22.82 $23.78 $25.50 $27.74 $29.65 $31.48 $33.48 $34.79 6.04% <-IRR #YR-> 10 Revenue per Share 79.78%
P/S (Price/Sales) Med 3.14 3.49 2.50 1.88 2.68 2.78 2.31 2.59 2.94 2.49 2.40 2.73 6.75% <-IRR #YR-> 5 Revenue per Share 38.62%
P/S (Price/Sales) Close 3.44 3.30 2.13 2.36 2.79 2.74 2.38 2.88 3.14 2.52 2.61 2.88 2.93 2.81 2.74 4.34% <-IRR #YR-> 10 5 yr Running Average 52.92%
*Total Revenue as stated by BMO P/S Med 10 yr 2.55 5 yr 2.59 15.01% Diff M/C 6.35% <-IRR #YR-> 5 5 yr Running Average 36.02%
-$9,529 $0 $0 $0 $0 $0 $0 $0 $0 $0 $22,260
-$16,130 $0 $0 $0 $0 $22,260
-$9,696 $0 $0 $0 $0 $0 $0 $0 $0 $0 $19,143
-$12,773 $0 $0 $0 $0 $19,143
-$19.11 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $34.36
-$24.79 $0.00 $0.00 $0.00 $0.00 $34.36
-$19.39 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $29.65
-$21.80 $0.00 $0.00 $0.00 $0.00 $29.65
EPS Basic $5.25 $4.18 $3.79 $3.09 $4.78 $5.28 $6.18 $6.27 $6.44 $6.59 $6.94 $7.95 90.19% <-Total Growth 10 EPS Basic
Pre Split '01
EPS Diluted* $5.15 $4.11 $3.76 $3.08 $4.75 $5.26 $6.15 $6.26 $6.41 $6.57 $6.92 $7.92 $8.30 $8.84 $9.98 92.70% <-Total Growth 10 EPS Diluted
Increase 11.0% -20.2% -8.5% -18.1% 54.2% 10.7% 16.9% 1.8% 2.4% 2.5% 5.3% 14.5% 4.8% 6.5% 12.9% 6.78% <-IRR #YR-> 10 Earnings per Share 92.70%
Earnings Yield 7.4% 6.5% 8.7% 6.2% 7.9% 8.9% 10.4% 8.6% 7.9% 8.6% 8.1% 8.0% 8.3% 8.8% 9.9% 5.19% <-IRR #YR-> 5 Earnings per Share 28.78%
5 year Running Average $4.07 $4.35 $4.42 $4.15 $4.17 $4.19 $4.60 $5.10 $5.77 $6.13 $6.46 $6.82 $7.22 $7.71 $8.39 4.59% <-IRR #YR-> 10 5 yr Running Average 56.62%
10 year Running Average $3.32 $3.50 $3.65 $3.72 $3.87 $4.13 $4.48 $4.76 $4.96 $5.15 $5.33 $5.71 $6.16 $6.74 $7.26 8.18% <-IRR #YR-> 5 5 yr Running Average 48.17%
*Fully diluted EPS, not basic before goodwill, as on Globe & Mail site E/P 10 Yrs 8.35% 5Yrs 8.11%
-$4.11 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $7.92
-$6.15 $0.00 $0.00 $0.00 $0.00 $7.92
-$4.35 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $6.82
-$4.60 $0.00 $0.00 $0.00 $0.00 $6.82
Special Dividends $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Special Dividends
Pre Split '87
Pre Split '01
Dividend* $2.26 $2.71 $2.80 $2.80 $2.80 $2.80 $2.80 $2.92 $3.04 $3.22 $3.36 $3.52 $3.69 $3.72 $3.72 29.89% <-Total Growth 10 Dividends
Increase 22.16% 19.91% 3.32% 0.00% 0.00% 0.00% 0.00% 4.29% 4.11% 5.92% 4.35% 4.76% 4.83% 0.81% 0.00% Count 34 Years of data
Average Increases 5 Year Running 15.20% 17.75% 16.08% 12.35% 9.08% 4.65% 0.66% 0.86% 1.68% 2.86% 3.73% 4.69% 4.79% 4.13% 2.95% 4.19% <-Median-> 10 Average Incr 5 Year Running
Dividends 5 Yr Running $1.65 $1.95 $2.24 $2.48 $2.67 $2.78 $2.80 $2.82 $2.87 $2.96 $3.07 $3.21 $3.37 $3.50 $3.60 64.72% <-Total Growth 10 Dividends 5 Yr Running
Yield H/L Price 3.57% 4.07% 5.56% 7.07% 4.85% 4.69% 4.89% 4.46% 4.00% 4.29% 4.29% 3.76% 3.71% 4.58% <-Median-> 10 Dividends
Yield on High Price 3.24% 3.73% 4.41% 5.13% 4.28% 4.40% 4.58% 3.95% 3.60% 3.84% 3.85% 3.40% 3.65% 4.12% <-Median-> 10 Dividends
Yield on Low Price 3.97% 4.48% 7.52% 11.35% 5.61% 5.03% 5.24% 5.12% 4.51% 4.87% 4.83% 4.20% 3.77% 5.07% <-Median-> 10 Dividends
Yield on Close Price 3.25% 4.30% 6.51% 5.65% 4.65% 4.75% 4.74% 4.01% 3.74% 4.23% 3.94% 3.56% 3.67% 3.70% 3.70% 4.44% <-Median-> 10 Dividends
Payout Ratio EPS 43.88% 65.94% 74.47% 90.91% 58.95% 53.23% 45.53% 46.65% 47.43% 49.01% 48.55% 44.44% 44.46% 42.08% 37.27% 48.78% <-Median-> 10 DPR EPS
DPR EPS 5 Yr Running 40.53% 44.81% 50.77% 59.88% 64.12% 66.36% 60.87% 55.37% 49.81% 48.22% 47.48% 47.12% 46.59% 45.42% 42.92% 53.07% <-Median-> 10 DPR EPS 5 Yr Running
Payout Ratio CFPS 183.71% -6.27% 33.37% 12.07% -24.09% 312.80% 17.76% 16.45% -67.20% 88.69% -81.94% 78.42% 47.37% 33.21% 38.71% 17.11% <-Median-> 10 DPR CF
DPR CF 5 Yr Running -23.70% -13.99% -25.88% -50.36% -60.63% -62.14% 38.23% 30.71% 78.63% 44.10% 53.79% 93.13% 231.01% 76.10% 62.13% 34.47% <-Median-> 10 DPR CF 5 Yr Running
Payout Ratio CFPS WC -62.38% 129.05% 52.40% 9.84% 48.74% 70.72% 36.73% 37.37% 85.71% -242.57% 40.26% 31.56% 47.37% 33.21% 38.71% 38.82% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running -20.63% -29.21% -142.42% 79.97% 35.17% 30.51% 27.39% 26.35% 50.06% 68.38% 59.00% 54.38% 57.04% 47.12% 37.44% 42.62% <-Median-> 10 DPR CF WC 5 Yr Running
Median 5 Yrs 5 Yr Med 5 Yr Cl 4.29% 3.94% 5 Yr Med Payout 47.43% 16.45% 37.37% 2.65% <-IRR #YR-> 10 Dividends 29.89%
* Dividends per share 5 Yr Med and Cur. -13.71% -6.05% Last Div Inc ---> $0.84 $0.86 2.4% 4.68% <-IRR #YR-> 5 Dividends 25.71%
Dividends Growth 15 7.44% <-IRR #YR-> 15 Dividends 193.33%
Dividends Growth 20 7.69% <-IRR #YR-> 20 Dividends 340.00%
Dividends Growth 25 7.87% <-IRR #YR-> 25 Dividends 445.74%
Dividends Growth 30 6.74% <-IRR #YR-> 30 Dividends 607.54%
Dividends Growth 34 5.97% <-IRR #YR-> 34 Dividends 618.37%
-$2.71 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3.52
-$2.80 $0.00 $0.00 $0.00 $0.00 $3.52
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3.52
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3.52
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3.52
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3.52
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3.52
Historical Dividends Historical High Div 8.56% Low Div 2.63% Ave Div 5.60% Med Div 4.47% Close Div 4.30% Historical Dividends
High/Ave/Median Values Curr diff Exp. -56.80% 40.62% Exp. -33.90% Exp. -17.27% Exp. -14.03% High/Ave/Median
Historical Dividends 1988 Historical High Div 7.98% Low Div 2.60% Ave Div 5.29% Med Div 4.29% Close Div 4.07% Historical Dividends
Future Dividend Yield Div Yd 4.58% earning in 5 Years at IRR of 4.35% Div Inc. 23.73% Future Dividend Yield
Future Dividend Yield Div Yd 5.66% earning in 10 Years at IRR of 4.35% Div Inc. 53.08% Future Dividend Yield
Future Dividend Yield Div Yd 7.00% earning in 15 Years at IRR of 4.35% Div Inc. 89.40% Future Dividend Yield
I am earning GC Div Gr 659.18% 10/04/83 # yrs -> 35 1983 $7.37 Cap Gain 1264.86% I am earning GC
I am earning Div org yield 6.65% 10/31/18 Trading Div G Yrly 5.95% Div start $0.49 -6.65% 50.47% I am earning Div
I am earning GC Div Gr 32.86% 11/28/08 # yrs -> 10 2008 $58.09 Cap Gain 73.16% I am earning GC
I am earning Div org yield 4.82% 10/31/18 Pension Div G Yrly 2.90% Div start $2.80 -4.82% 6.40% I am earning Div
Yield if held 5 yrs 5.86% 7.63% 6.35% 5.14% 4.73% 4.42% 4.20% 5.80% 7.68% 5.58% 5.63% 6.15% 5.63% 4.90% 4.96% 5.61% <-Median-> 10 Paid Median Price
Yield if held 10 yrs 12.73% 10.77% 8.07% 9.42% 9.86% 7.26% 7.88% 6.62% 5.58% 5.44% 5.31% 5.28% 7.33% 9.39% 6.45% 6.94% <-Median-> 10 Paid Median Price
Yield if held 15 yrs 27.87% 25.39% 23.00% 21.23% 20.32% 15.77% 11.13% 8.42% 10.22% 11.34% 8.71% 9.91% 8.37% 6.83% 6.29% 11.23% <-Median-> 10 Paid Median Price
Yield if held 20 yrs 29.30% 34.28% 41.45% 36.72% 38.05% 34.53% 26.24% 23.99% 23.05% 23.37% 18.92% 13.99% 10.64% 12.51% 13.10% 25.11% <-Median-> 10 Paid Median Price
Yield if held 25 yrs 38.15% 44.48% 42.19% 36.30% 35.42% 43.23% 39.87% 43.75% 41.43% 32.98% 30.32% 28.21% 26.99% 40.65% <-Median-> 10 Paid Median Price
Yield if held 30 yrs 39.78% 48.29% 48.52% 43.56% 44.53% 54.63% 48.79% 50.55% 44.53% <-Median-> 5 Paid Median Price
Yield if held 35 yrs 50.27% 59.09% 56.06% #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 5 years 21.36% 27.45% 25.43% 22.80% 22.60% 21.97% 21.01% 28.05% 36.26% 25.62% 25.71% 28.04% 25.70% 23.07% 24.00% 25.52% <-Median-> 10 Paid Median Price
Cost covered if held 10 years 73.02% 59.12% 48.42% 62.78% 72.08% 57.42% 66.85% 57.45% 49.17% 47.59% 46.19% 45.12% 61.48% 80.47% 56.85% 53.29% <-Median-> 10 Paid Median Price
Cost covered if held 15 years 197.18% 170.26% 167.72% 171.56% 179.81% 151.36% 114.75% 89.12% 111.07% 124.12% 97.19% 112.06% 95.62% 81.32% 78.04% 119.44% <-Median-> 10 Paid Median Price
Cost covered if held 20 years 240.77% 262.90% 341.71% 332.59% 375.43% 368.70% 301.44% 283.72% 280.45% 287.06% 237.75% 178.58% 137.64% 169.95% 187.54% 294.25% <-Median-> 10 Paid Median Price
Cost covered if held 25 years 348.09% 442.57% 454.63% 421.13% 440.01% 550.74% 520.92% 576.26% 557.86% 451.93% 421.99% 413.23% 417.74% 453.28% <-Median-> 10 Paid Median Price
Cost covered if held 30 years 540.46% 670.69% 677.35% 620.02% 643.17% 799.89% 750.56% 820.98% 643.17% <-Median-> 5 Paid Median Price
Cost covered if held 35 years 769.75% 948.85% 948.75% #NUM! <-Median-> 0 Paid Median Price
Graham No. $57.86 $51.14 $51.97 $47.05 $60.23 $66.36 $74.63 $78.45 $83.49 $91.23 $97.05 $106.35 $108.87 $112.35 $119.38 107.94% <-Total Growth 10 Graham Price
Price/GP Ratio Med 1.09 1.30 0.97 0.84 0.96 0.90 0.77 0.83 0.91 0.82 0.81 0.88 0.91 0.86 <-Median-> 10 Price/GP Ratio
Price/GP Ratio High 1.21 1.42 1.22 1.16 1.09 0.96 0.82 0.94 1.01 0.92 0.90 0.97 0.93 0.97 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Low 0.98 1.18 0.72 0.52 0.83 0.84 0.72 0.73 0.81 0.73 0.72 0.79 0.90 0.73 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Close 1.20 1.23 0.83 1.05 1.00 0.89 0.79 0.93 0.97 0.83 0.88 0.93 0.92 0.90 0.84 0.91 <-Median-> 10 Price/GP Ratio
Prem/Disc Close 20.04% 23.18% -17.23% 5.33% 0.00% -11.26% -20.91% -7.17% -2.76% -16.65% -12.05% -7.07% -7.60% -10.47% -15.74% -9.22% <-Median-> 10 Graham Price
Month, Year December Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20
Pre Split '87
Pre Split '01
Price Close $69.00 $56.33 $31.25 $55.85 $57.48 $55.88 $60.86 $70.81 $82.18 $78.08 $96.57 $100.59 $100.59 $100.59 $100.59 78.57% <-Total Growth 10 Stock Price
Increase 19.36% -18.36% -44.52% 78.72% 2.92% -2.78% 8.91% 16.35% 16.06% -4.99% 23.68% 4.16% 0.00% 0.00% 0.00% 5.97% <-IRR #YR-> 10 Stock Price 78.57%
P/E 13.40 13.71 8.31 18.13 12.10 10.62 9.90 11.31 12.82 11.88 13.96 12.70 12.12 11.38 10.08 10.57% <-IRR #YR-> 5 Stock Price 65.28%
Trailing P/E 14.87 10.94 7.60 14.85 18.66 11.76 11.57 11.51 13.13 12.18 14.70 14.54 12.70 12.12 11.38 10.13% <-IRR #YR-> 10 Price & Dividend 136.75%
Median 10, 5 Yrs D. per yr 4.16% 4.34% % Tot Ret 41.07% 29.09% Price Inc 16.06% P/E: 11.99 12.70 14.91% <-IRR #YR-> 5 Price & Dividend 132.67%
Price & Dividend 15 10.18% <-IRR #YR-> 15 Price & Dividend 15 239.65%
Price & Dividend 20 9.65% <-IRR #YR-> 20 Price & Dividend 20 361.88%
Price & Dividend 25 14.48% <-IRR #YR-> 25 Price & Dividend 25 1265.49%
Price & Dividend 35 15.30% <-IRR #YR-> 30 Price & Dividend 30 2175.81%
11.95% <-IRR #YR-> 34 Price & Dividend 35 2599.63%
-$56.33 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $100.59
-$60.86 $0.00 $0.00 $0.00 $0.00 $100.59
-$56.33 $2.80 $2.80 $2.80 $2.80 $2.80 $2.92 $3.04 $3.22 $3.36 $104.11
-$60.86 $2.92 $3.04 $3.22 $3.36 $104.11
Price & Dividend 15 $2.26 $2.71 $2.80 $2.80 $2.80 $2.80 $2.80 $2.92 $3.04 $3.22 $3.36 $104.11
Price & Dividend 20 $2.26 $2.71 $2.80 $2.80 $2.80 $2.80 $2.80 $2.92 $3.04 $3.22 $3.36 $104.11
Price & Dividend 25 $2.26 $2.71 $2.80 $2.80 $2.80 $2.80 $2.80 $2.92 $3.04 $3.22 $3.36 $104.11
Price & Dividend 30 $2.26 $2.71 $2.80 $2.80 $2.80 $2.80 $2.80 $2.92 $3.04 $3.22 $3.36 $104.11
Price & Dividend 35 $2.26 $2.71 $2.80 $2.80 $2.80 $2.80 $2.80 $2.92 $3.04 $3.22 $3.36 $104.11
Month, Year October Oct-06 Oct-07 Oct-08 Oct-09 Oct-10 Oct-11 Oct-12 Oct-13 Oct-14 Oct-15 Oct-16 Oct-17 Oct-18 Oct-19 Oct-20
Pre Split '87
Pre Split '01
Price Close $69.45 $63.00 $43.02 $49.56 $60.23 $58.89 $59.02 $72.82 $81.19 $76.04 $85.36 $98.83 $100.59 $100.59 $100.59 56.87% <-Total Growth 10 Stock Price
Increase 6.85% -9.29% -31.71% 15.20% 21.53% -2.22% 0.22% 23.38% 11.49% -6.34% 12.26% 15.78% 1.78% 0.00% 0.00% 4.61% <-IRR #YR-> 10 Stock Price 56.87%
P/E 13.49 15.33 11.44 16.09 12.68 11.20 9.60 11.63 12.67 11.57 12.34 12.48 12.12 11.38 10.08 10.86% <-IRR #YR-> 5 Stock Price 67.45%
Trailing P/E 14.97 12.23 10.47 13.18 19.56 12.40 11.22 11.84 12.97 11.86 12.99 14.28 12.70 12.12 11.38 8.52% <-IRR #YR-> 10 Price & Dividend 108.89%
Median 10, 5 Yrs D. per yr 3.91% 4.45% % Tot Ret 45.94% 29.07% Price Inc 12.26% P/E: 11.98 12.34 15.31% <-IRR #YR-> 5 Price & Dividend 99.41%
-$63.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $98.83
-$59.02 $0.00 $0.00 $0.00 $0.00 $98.83
-$63.00 $2.80 $2.80 $2.80 $2.80 $2.80 $2.92 $3.04 $3.22 $3.36 $102.35
-$59.02 $2.92 $3.04 $3.22 $3.36 $102.35
Price H/L Median $63.33 $66.62 $50.35 $39.61 $57.68 $59.67 $57.28 $65.49 $75.91 $75.03 $78.40 $93.68 $99.52 40.61% <-Total Growth 10 Stock Price
Increase 7.06% 5.20% -24.43% -21.33% 45.64% 3.45% -4.01% 14.33% 15.91% -1.16% 4.49% 19.48% 6.24% 3.47% <-IRR #YR-> 10 Stock Price 40.61%
P/E 12.30 16.21 13.39 12.86 12.14 11.34 9.31 10.46 11.84 11.42 11.33 11.83 11.99 10.34% <-IRR #YR-> 5 Stock Price 63.54%
Trailing P/E 13.65 12.94 12.25 10.53 18.73 12.56 10.89 10.65 12.13 11.71 11.93 13.54 12.57 7.34% <-IRR #YR-> 10 Price & Dividend 89.80%
P/E on Run. 5 yr Ave 15.57 15.31 11.40 9.55 13.83 14.23 12.45 12.84 13.17 12.24 12.13 13.74 13.78 14.96% <-IRR #YR-> 5 Price & Dividend 96.46%
P/E on Run. 10 yr Ave 19.05 19.01 13.80 10.65 14.91 14.45 12.80 13.76 15.31 14.57 14.72 16.41 16.15 11.83 P/E Ratio Historical Median
Median 10, 5 Yrs D. per yr 3.87% 4.63% % Tot Ret 52.75% 30.92% Price Inc 14.33% P/E: 11.62 11.42 Count 34 Years of data
-$66.62 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $93.68
-$57.28 $0.00 $0.00 $0.00 $0.00 $93.68
-$66.62 $2.80 $2.80 $2.80 $2.80 $2.80 $2.92 $3.04 $3.22 $3.36 $97.20
-$57.28 $2.92 $3.04 $3.22 $3.36 $97.20
High Months Jan/Oct Apr 07 Nov 07 Aug 09 Apr 10 Apr 11 Jan 12 Oct 13 Sep 13 Nov14 Sep 16 Mar 17 Dec 17
Pre Split '87
Pre Split '01
Price High $69.75 $72.75 $63.44 $54.55 $65.41 $63.67 $61.08 $73.90 $84.42 $83.88 $87.24 $103.52 $101.18 42.30% <-Total Growth 10 Stock Price
Increase 7.31% 4.30% -12.80% -14.01% 19.91% -2.66% -4.07% 20.99% 14.24% -0.64% 4.01% 18.66% -2.26% 3.59% <-IRR #YR-> 10 Stock Price 42.30%
P/E 13.54 17.70 16.87 17.71 13.77 12.10 9.93 11.81 13.17 12.77 12.61 13.07 12.19 11.13% <-IRR #YR-> 5 Stock Price 69.48%
Trailing P/E 15.03 14.13 15.44 14.51 21.24 13.40 11.61 12.02 13.49 13.09 13.28 14.96 12.78 13.54 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc 14.24% P/E: 12.92 12.77 15.52 P/E Ratio Historical High
-$72.75 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $103.52
-$61.08 $0.00 $0.00 $0.00 $0.00 $103.52
Low Months Nov Oct 07 Oct 08 May 08 Nov 09 Aug 11 Jun 12 Nov 12 Feb 14 Aug 15 Feb 16 Nov 16 Nov 17
Pre Split '87
Pre Split '01
Price Low $56.90 $60.49 $37.25 $24.66 $49.95 $55.67 $53.48 $57.08 $67.40 $66.18 $69.56 $83.83 $97.86 38.58% <-Total Growth 10 Stock Price
Increase 6.75% 6.31% -38.42% -33.80% 102.55% 11.45% -3.93% 6.73% 18.08% -1.81% 5.11% 20.51% 16.74% 3.32% <-IRR #YR-> 10 Stock Price 38.58%
P/E 11.05 14.72 9.91 8.01 10.52 10.58 8.70 9.12 10.51 10.07 10.05 10.58 11.79 9.41% <-IRR #YR-> 5 Stock Price 56.75%
Trailing P/E 12.26 11.75 9.06 6.56 16.22 11.72 10.17 9.28 10.77 10.32 10.59 12.11 12.36 10.52 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc 6.73% P/E: 10.06 10.07 7.68 P/E Ratio Historical Low
-$60.49 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $83.83
-$53.48 $0.00 $0.00 $0.00 $0.00 $83.83
Debt - Deposits $438,169 $473,372 $483,488 Debt
Change 8.03% 2.14% 5.09% <-Median-> 2 Change
Debt/Market Cap Ratio 8.97 8.59 7.55 8.59 <-Median-> 3 Debt/Market Cap Ratio
Goodwill & Intangibles $5,269 $5,423 $7,405 $8,277 $8,559 $8,403 Intangibles Goodwill
Change 2.92% 36.55% 11.78% 3.41% -1.82% 3.41% <-Median-> 5 Change
Intangible/Market Cap Ratio 13.72% 11.56% 14.10% 16.94% 15.53% 13.12% 0.14 <-Median-> 6 Intangible/Market Cap Ratio
Market Cap $34,775 $31,409 $21,770 $27,343 $34,118 $37,631 $38,406 $46,906 $52,534 $48,862 $55,122 $64,024 $65,164 $65,164 $65,164 103.84% <-Total Growth 10 Market Cap
Diluted # of Shares in Million 542.31 563.13 593.56 648.62 649.81 648.48 647.16 644.05 651.96 15.78% <-Total Growth 8 Diluted
Change 3.84% 5.40% 9.28% 0.18% -0.20% -0.20% -0.48% 1.23% 0.71% <-Median-> 8 Change
Average # of Shares in Million 501.23 499.95 502.06 540.29 559.82 591.40 644.41 648.48 645.86 644.92 646.15 649.65 29.94% <-Total Growth 10 Basic
Change 0.17% -0.26% 0.42% 7.61% 3.61% 5.64% 8.96% 0.63% -0.40% -0.15% 0.19% 0.54% 0.59% <-Median-> 10 Change
Difference -0.1% -0.3% 0.8% 2.1% 1.2% 8.0% 1.0% -0.7% 0.2% -0.4% -0.1% -0.3% 0.49% <-Median-> 10 Difference
97, 99 report
# of Share in Millions 500.726 498.563 506.045 551.716 566.468 639.000 650.727 644.130 647.050 642.583 645.761 647.816 647.816 647.816 647.816 2.65% <-IRR #YR-> 10 Shares 29.94% Total Chge
Change 0.10% -0.43% 1.50% 9.03% 2.67% 12.80% 1.84% -1.01% 0.45% -0.69% 0.49% 0.32% 0.00% 0.00% 0.00% -0.09% <-IRR #YR-> 5 Shares -0.45%
CF fr Op $M $616 -$21,557 $4,246 $12,794 -$6,584 $572 $10,258 $11,433 -$2,927 $2,333 -$2,648 $2,908 $5,046 $7,256 $6,226 113.49% <-Total Growth 10 Cash Flow
Increase 108.65% -3600% 119.70% 201.32% -151.46% 108.69% 1693.36% 11.45% -125.60% 179.71% -213.50% 209.82% 73.54% 43.77% -14.20% S.Issues DRIP, SO Buy Backs
5 year Running Average -$3,463 -$6,955 -$4,309 -$2,204 -$2,097 -$2,106 $4,257 $5,695 $2,550 $4,334 $3,690 $2,220 $942 $2,979 $3,758 131.92% <-Total Growth 10 CF 5 Yr Running
CFPS $1.23 -$43.24 $8.39 $23.19 -$11.62 $0.90 $15.76 $17.75 -$4.52 $3.63 -$4.10 $4.49 $7.79 $11.20 $9.61 110.38% <-Total Growth 10 Cash Flow per Share
Increase 108.64% -3615% 119.41% 176.38% -150.12% 107.70% 1661.04% 12.60% -125.49% 180.26% -212.94% 209.47% 73.54% 43.77% -14.20% #NUM! <-IRR #YR-> 10 Cash Flow 113.49%
5 year Running Average -$6.95 -$13.94 -$8.66 -$4.93 -$4.41 -$4.48 $7.32 $9.20 $3.65 $6.70 $5.70 $3.45 $1.46 $4.60 $5.80 -22.28% <-IRR #YR-> 5 Cash Flow -71.65%
P/CF on Med Price $51.47 -$1.54 $6.00 $1.71 -$4.96 $66.66 $3.63 $3.69 -$16.78 $20.67 -$19.12 $20.87 $12.78 $0.00 $0.00 #NUM! <-IRR #YR-> 10 Cash Flow per Share 110.38%
P/CF on Closing Price $56.45 -$1.46 $5.13 $2.14 -$5.18 $65.79 $3.74 $4.10 -$17.95 $20.94 -$20.82 $22.02 $12.91 $8.98 $10.47 -22.22% <-IRR #YR-> 5 Cash Flow per Share -71.52%
252.65% Diff M/C #NUM! <-IRR #YR-> 10 CFPS 5 yr Running 124.74%
Excl.Working Capital CF -$2,430 $22,604 -$1,542 $2,901 $9,838 $1,958 -$5,298 -$6,400 $5,222 -$3,186 $8,037 $4,317 $0 $0 $0 -13.98% <-IRR #YR-> 5 CFPS 5 yr Running -52.90%
CF fr Op $M WC -$1,814 $1,047 $2,704 $15,695 $3,254 $2,530 $4,960 $5,033 $2,295 -$853 $5,389 $7,225 $5,046 $7,256 $6,226 590.07% <-Total Growth 10 Cash Flow less WC
Increase 78.33% 157.72% 158.26% 480.44% -79.27% -22.25% 96.05% 1.47% -54.40% -137.17% 731.77% 34.07% -30.15% 43.77% -14.20% 21.31% <-IRR #YR-> 10 Cash Flow less WC 590.07%
5 year Running Average -$3,986 -$3,337 -$782 $1,852 $4,177 $5,046 $5,829 $6,294 $3,614 $2,793 $3,365 $3,818 $3,820 $4,813 $6,228 7.81% <-IRR #YR-> 5 Cash Flow less WC 45.67%
CFPS Excl. WC -$3.62 $2.10 $5.34 $28.45 $5.74 $3.96 $7.62 $7.81 $3.55 -$1.33 $8.35 $11.15 $7.79 $11.20 $9.61 #NUM! <-IRR #YR-> 10 CF less WC 5 Yr Run 214.40%
Increase 78.35% 157.97% 154.44% 432.39% -79.81% -31.07% 92.51% 2.51% -54.61% -137.43% 728.66% 33.64% -30.15% 43.77% -14.20% -8.11% <-IRR #YR-> 5 CF less WC 5 Yr Run -34.50%
5 year Running Average -$7.99 -$6.68 -$1.57 $3.11 $7.60 $9.12 $10.22 $10.72 $5.74 $4.32 $5.20 $5.91 $5.90 $7.43 $9.62 18.17% <-IRR #YR-> 10 CFPS - Less WC 431.08%
P/CF on Med Price -17.48 31.72 9.42 1.39 10.04 15.07 7.51 8.38 21.40 -56.52 9.39 8.40 12.78 0.00 0.00 7.91% <-IRR #YR-> 5 CFPS - Less WC 46.32%
P/CF on Closing Price -19.17 30.00 8.05 1.74 10.49 14.87 7.74 9.32 22.89 -57.28 10.23 8.86 12.91 8.98 10.47 #NUM! <-IRR #YR-> 10 CFPS 5 yr Running 188.48%
*Operational Cash Flow per share CF/CF-WC P/CF Med 10 yr 3.66 5 yr 3.69 P/CF Med 10 yr 8.90 5 yr 8.40 45.14% Diff M/C -10.39% <-IRR #YR-> 5 CFPS 5 yr Running -42.23%
Note: redid changes in wc to agree with G&M and Google from 2010 to 2014) used to be -$1763 $508, $-94 and -$9071
-498.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 647.8 Shares
-650.7 0.0 0.0 0.0 0.0 647.8 Shares
$21,557 $0 $0 $0 $0 $0 $0 $0 $0 $0 $2,908 Cash Flow
-$10,258 $0 $0 $0 $0 $2,908 Cash Flow
$43.24 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $4.49 Cash Flow per Share
-$15.76 $0.00 $0.00 $0.00 $0.00 $4.49 Cash Flow per Share
$13.94 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3.45 CFPS 5 yr Running
-$7.32 $0.00 $0.00 $0.00 $0.00 $3.45 CFPS 5 yr Running
-$1,047 $0 $0 $0 $0 $0 $0 $0 $0 $0 $7,225 Cash Flow less WC
-$4,960 $0 $0 $0 $0 $7,225 Cash Flow less WC
$3,337 $0 $0 $0 $0 $0 $0 $0 $0 $0 $3,818 CF less WC 5 Yr Run
-$5,829 $0 $0 $0 $0 $3,818 CF less WC 5 Yr Run
-$2.10 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.15 CFPS - Less WC
-$7.62 $0.00 $0.00 $0.00 $0.00 $11.15 CFPS - Less WC
$6.68 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $5.91 CFPS 5 yr Running
-$10.22 $0.00 $0.00 $0.00 $0.00 $5.91 CFPS 5 yr Running
Net Income
Impairmant Write down Secuities
Net Gain in Securities , not Trading
Net chge in trading securities -$8,470 $15,613 -$11,403 -$16,237
Provision for credit losses $561 $612 $815 $774
Change in derivative instruments (Increase) decrease in derivative asset
Chge in derivative asset $15,544
Chge in derivative liability $1,402 $9,320 -$5,598 -$14,923
Amortization Premises & Eq
Net decrease in current income tax asset $546 $298 -$345 -$497
Net chge in current income tax liability -$226 -$141 -$18 $52
Change in accrued interest (Increase) decrease in interest receivable -$36 $53 -$81 -$130
Increase (decrease) in interest payable $160 -$113 $64 $15
Changes in other items and accruals, net $4,094 $4,791 $2,408 -$2,095
Net increase in deposits $9,814 $7,967 $22,906 $16,094
Net chge in loans -$15,207 -$15,600 -$23,235 -$8,857
Net chge in securities sold but not yet purchased $4,429 -$7,049 $2,793 $336
Net chge in securities lent or sold under repurchase agreements $9,073 -$4,625 -$82 $16,535
Net chge in securities borrowed or purchased under resale agreements -$11,362 -$7,940 $3,739 -$10,891
Net Chge in Securitization, Structure entities liab.
       
Sum -$5,222 $3,186 -$8,037 -$4,280
Google -$5,222 $3,186 -$8,037 -$4,317
Difference $0 $0 $0 $37
OPM 26.3% 22.4% 19.4% 14.7% 22.4% 23.3% 25.5% 25.7% 25.6% 22.5% 21.9% 24.0% 7.43% <-Total Growth 10 OPM
Increase 9.27% -15.08% -13.33% -23.93% 51.97% 3.87% 9.60% 0.82% -0.54% -11.90% -2.75% 9.61% Should increase or be stable.
Diff from Median 15.0% -2.4% -15.4% -35.6% -2.2% 1.6% 11.4% 12.3% 11.7% -1.6% -4.3% 4.9% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (Net Income/Revenue) Ratio for banks OPM 10 Yrs 22.91% 5 Yrs 24.03% should be zero, it is a check on calculations
Current Assets $20,554 $23,230 $26,282 $32,601 $34,496 $47,677 $36,101 $39,089 Liq ratio of 1.5 and up, best Assets
Current Liabilities (Other) $8,667 $10,839 $9,927 $8,772 $8,763 $9,716 $11,067 $12,145 3.24 <-Median-> 8 Liabilities
Liquidity 2.37 2.14 2.65 3.72 3.94 4.91 3.26 3.22 3.72 <-Median-> 5 Ratio
Liq. with CF aft div 2.00 2.03 3.50 4.81 3.21 4.93 2.73 3.27 3.27 <-Median-> 5 Ratio
Liq. CF re Inv+Div 1.19 0.93 2.00 3.94 3.21 4.93 1.26 2.60 3.21 <-Median-> 5 Ratio
Banks usually have a ratio of 1.04 or 1.05
Assets $319,978 $366,524 $416,050 $388,458 $411,640 $477,423 $525,449 $537,299 $588,659 $641,881 $687,935 $709,580 Debt ratio of 1.5 and up, best Assets
Liabilities $304,917 $351,226 $398,146 $368,261 $389,840 $449,300 $495,359 $505,818 $553,255 $601,968 $645,607 $665,226 1.06 <-Median-> 10 Liabilities
Debt Ratio 1.05 1.04 1.04 1.05 1.06 1.06 1.06 1.06 1.06 1.07 1.07 1.07 1.07 <-Median-> 5 Ratio
Check on Liabilities $553,255 $601,968 $645,607 $665,226
Total Equity $15,061 $15,298 $17,904 $20,197 $21,800 $28,123 $30,090 $31,481 $35,404 $39,913 $42,328 $44,354 $44,354 $44,354 $44,354 189.93% <-Total Growth 10 Book Value
Preferred Shares $596 $1,196 $1,746 $2,571 $2,571 $2,861 $2,465 $2,265 $3,040 $3,240 $3,240 $3,240
NCI in Subsidaries $1,483 $1,435 $1,072 $1,091 $491 $24 $0
Book Value $14,465 $14,102 $16,158 $17,626 $19,229 $23,779 $26,190 $28,144 $31,273 $36,182 $39,064 $41,114 $41,114 $41,114 $41,114 191.55% <-Total Growth 10 Book Value
Book Value per Share $28.89 $28.29 $31.93 $31.95 $33.95 $37.21 $40.25 $43.69 $48.33 $56.31 $60.49 $63.47 $63.47 $63.47 $63.47 124.38% <-Total Growth 10 Book Value per Share
Change 8.89% -2.09% 12.89% 0.06% 6.25% 9.63% 8.15% 8.56% 10.62% 16.50% 7.43% 4.91% 0.00% 0.00% 0.00% -0.32% P/B Ratio Current/Historical Median
5 yr run. Ave Inc 7.98% 6.16% 7.09% 5.05% 5.20% 5.35% 7.39% 6.53% 8.64% 10.69% 10.25% 9.61% 7.89% 5.77% 2.47% 7.24% <-Median-> 10 5 yr run. Ave Inc
P/B Ratio (Median) 2.19 2.36 1.58 1.24 1.70 1.60 1.42 1.50 1.57 1.33 1.30 1.48 1.59 P/BV Ratio Historical Median
P/B Ratio (Close) 2.40 2.23 1.35 1.55 1.77 1.58 1.47 1.67 1.68 1.35 1.41 1.56 1.58 1.58 1.58 8.42% <-IRR #YR-> 10 Book Value per Share 124.38%
Change -1.88% -7.35% -39.51% 15.14% 14.38% -10.81% -7.34% 13.65% 0.79% -19.61% 4.49% 10.36% 1.78% 0.00% 0.00% 9.54% <-IRR #YR-> 5 Book Value per Share 57.69%
Leverage (A/BK) 21.25 23.96 23.24 19.23 18.88 16.98 17.46 17.07 16.63 16.08 16.25 16.00 17.02 <-Median-> 5 A/BV
Debt/Equity Ratio 20.25 22.96 22.24 18.23 17.88 15.98 16.46 16.07 15.63 15.08 15.25 15.00 6.56% Diff M/C 16.02 <-Median-> 5 Debt/Eq Ratio
Sharerholders Equity (Assets less liabilities) P/BV 10 yr Med 1.49 5 yr Med 1.48 20.04 Historical 22 A/BV
Comprehensive Income $4,003 $4,370 $5,271 $7,670 $4,417 $3,990
NCI $74 $65 $56 $35 $9 $2
Shareholders $2,486 $1,435 $3,260 $1,639 $2,651 $3,508 $3,929 $4,305 $5,215 $7,635 $4,408 $3,988 177.91% <-Total Growth 10 Comprehensive Income
Increase 8.99% -42.28% 127.18% -49.72% 61.74% 32.33% 12.00% 9.57% 21.14% 46.40% -42.27% -9.53% 9.6% <-Median-> 5 Comprehensive Income
5 Yr Running Average $2,220 $2,294 $2,499 $2,997 $3,206 $3,922 $4,918 $5,098 $5,110 10.76% <-IRR #YR-> 10 Comprehensive Income 177.91%
ROE 17.2% 10.2% 20.2% 9.3% 13.8% 14.8% 15.0% 15.3% 16.7% 21.1% 11.3% 9.7% 0.30% <-IRR #YR-> 5 Comprehensive Income 1.50%
5Yr Median 13.8% 14.8% 14.8% 15.0% 15.3% 15.3% 15.3% 10.98% <-IRR #YR-> 8 5 Yr Running Average #DIV/0!
% Difference from NI -2.8% -26.9% 82.6% 9.8% 9.8% 29.9% 9.7% 15.1% 38.0% 92.7% 3.3% -19.6% 11.26% <-IRR #YR-> 5 5 Yr Running Average 70.49%
Median Values Diff 5, 10 yr 12.5% 15.1% 15.3% <-Median-> 5 Return on Equity
Current Liability Coverage Ratio 0.38 0.23 0.50 0.57 0.26 -0.09 0.49 0.59 CFO / Current Liabilities
5 year Median 0.38 0.26 0.49 0.49 0.49 <-Median-> 5 Current Liability Cov Ratio
Asset Efficiency Ratio -0.57% 0.29% 0.65% 4.04% 0.79% 0.53% 0.94% 0.94% 0.39% -0.13% 0.78% 1.02% CFO / Total Assets
5 year Median -0.87% -0.57% 0.29% 0.29% 0.65% 0.65% 0.79% 0.94% 0.79% 0.53% 0.78% 0.78% 0.8% <-Median-> 5 Return on Assets
Return on Assets ROA 0.8% 0.6% 0.5% 0.4% 0.7% 0.7% 0.8% 0.8% 0.7% 0.7% 0.7% 0.8% Net Income/Assets Return on Assets
5Yr Median 0.8% 0.8% 0.8% 0.6% 0.6% 0.6% 0.7% 0.7% 0.7% 0.7% 0.7% 0.7% 0.7% <-Median-> 5 Asset Efficiency Ratio
Return on Equity ROE 17.7% 13.9% 11.0% 8.5% 12.6% 11.4% 13.7% 13.3% 12.1% 10.9% 10.9% 12.1% Net Inc/ Shareholders' equity Return on Equity
5Yr Median 17.3% 17.3% 17.3% 13.9% 12.6% 11.4% 11.4% 12.6% 12.6% 12.1% 12.1% 12.1% 12.1% <-Median-> 5 Return on Equity
Net Income $1,787 $2,810 $3,266 $4,189 $4,248 $4,333 $4,405 $4,631 $5,350
NCI $76 $74 $73 $74 $65 $56 $35 $9 $2
Shareholders $2,663 $2,131 $1,978 $1,711 $2,736 $3,193 $4,115 $4,183 $4,277 $4,370 $4,622 $5,348 $5,409 $5,822 150.96% <-Total Growth 10 Net Income
Increase 10.96% -19.98% -7.18% -13.50% 59.91% 16.70% 28.88% 1.65% 2.25% 2.17% 5.77% 15.71% 1.14% 7.64% EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $2,131 $2,274 $2,305 $2,177 $2,244 $2,350 $2,747 $3,188 $3,701 $4,028 $4,313 $4,560 $4,805 $5,114 9.64% <-IRR #YR-> 10 Net Income 150.96%
Operating Cash Flow $616 -$21,557 $4,246 $12,794 -$6,584 $572 $10,258 $11,433 -$2,927 $2,333 -$2,648 $2,908 5.38% <-IRR #YR-> 5 Net Income 29.96%
Investment Cash Flow -$21,690 -$39,897 $11,047 -$10,655 -$7,028 -$12,768 -$7,467 -$1,939 $3,293 $4,026 -$15,341 -$3,155 7.21% <-IRR #YR-> 10 5 yr Running Average 100.53%
Total Accruals $23,737 $63,585 -$13,315 -$428 $16,348 $15,389 $1,324 -$5,311 $3,911 -$1,989 $22,611 $5,595 10.67% <-IRR #YR-> 5 5 yr Running Average 66.02%
Total Assets $319,978 $366,524 $416,050 $388,458 $411,640 $477,423 $525,449 $537,299 $588,659 $641,881 $687,935 $709,580 Balance Sheet Assets
Accruals Ratio 7.42% 17.35% -3.20% -0.11% 3.97% 3.22% 0.25% -0.99% 0.66% -0.31% 3.29% 0.79% 0.66% <-Median-> 5 Ratio
EPS/CF Ratio -1.42 1.96 0.70 0.11 0.83 1.33 0.81 0.80 1.81 -4.95 0.83 0.71 0.80 <-Median-> 10 EPS/CF Ratio
Chge in Close 6.85% -9.29% -31.71% 15.20% 21.53% -2.22% 0.22% 23.38% 11.49% -6.34% 12.26% 15.78% 1.78% 0.00% 0.00% Count 23 Years of data
up/down down down down Count 6 26.09%
Meet Prediction? yes yes % right Count 2 33.33%
Financial Cash Flow $21,287 $57,638 -$10,360 -$63 $21,626 $13,757 -$2,037 -$4,832 -$465 $66 $7,975 $1,996 C F Statement Financial Cash Flow
Total Accruals $2,450 $5,947 -$2,955 -$365 -$5,278 $1,632 $3,361 -$479 $4,376 -$2,055 $14,636 $3,599 Accruals
Accruals Ratio 0.77% 1.62% -0.71% -0.09% -1.28% 0.34% 0.64% -0.09% 0.74% -0.32% 2.13% 0.51% 0.51% <-Median-> 5 Ratio
Net Cash Flow 213.0 -3,816.0 4,933.0 2,076.0 8,014.0 1,561.0 265.0 6,142.0 2,297.0 11,909.0 -8,642.0 946.0 Net Cash Flow
Per share 0.43 -7.65 9.75 3.76 14.15 2.44 0.41 9.54 3.55 18.53 -13.38 1.46 Per share
5 yr Running 0.97 -1.08 1.34 2.15 4.09 4.49 6.10 6.06 6.02 6.89 3.73 3.94 5 yr Running
Cash $2,458 $3,650 $9,134 $9,955 $17,368 $17,626 $19,941 $26,083 $28,386 $40,295 $31,653 $32,599 Cash
Cash per Share $4.91 $7.32 $18.05 $18.04 $30.66 $27.58 $30.64 $40.49 $43.87 $62.71 $49.02 $50.32 $49.02 <-Median-> 5 Cash per Share
Percentage of Stock Price 7.07% 11.62% 41.96% 36.41% 50.91% 46.84% 51.92% 55.61% 54.03% 82.47% 57.42% 50.92% 55.61% <-Median-> 5 % of Stock Price
Notes:
December 31, 2017. Last estimates were for 2017, 2018 and 2019 of $21273M, $22316M and $23571M for Revenue, $758, $8.04 and $9.11 for EPS,
$7.79 and $8.32 for CFPS for 2017 and 2018 and $4844M and $5202M for 2017 and 2018 for Net Income.
January 1, 2017. Last estimates were for 2016, 2017 and 2018 of $20041m, $22254M and $22369M for Revenue, $6.99, $7.39 amd $8.10 for EPS,
$7.79, $8.21 and $8.32 for CFPS and $4501M and $4419M for 2016 and 2017 for Net Income.
January 2, 2016. Last estimates were for 2015, 2016 and 2017 of $18023M, $19108M and $19969M for Revenue, $6.73, $7.21 and $7.47 for EPS, $7.59. $8.07 and $7.86 For CFPS, $4397M $4706M and $5214M for Net Income.
January 4, 2015. Last estimates were for 2014, 2015 and 2016 of $16831M, $17804M and $19152M for revenue, $6.40, $6.80 and $7.47 for EPS, $7.38, $7.81 and $7.21 for CFPS amd $4137M, $4373M and $4755M for Net Income.
January 1, 2014. Last estimates were for 2013 and 2014 of $15352M and $16098M for Revenue, $5.93 and $6.36 for EPS and $7.53 for CFPS for 2014.
January 4, 2013. Last estimates were for 2012 and 2013 of $14466M and $15137M for Revenue, $5.65 and $6.14 for EPS and $7.53 and $7.53 for CFPS
Dec 17, 2011. Fixed my purchases price. Did not account for split in 2001. I purchased stocks from 1983 to 1987, by dividend reinvestment and extra cash.
December 11, 2011. Last estimates for 2011 and 2012 were $5.42 and $5.96 for EPS, $7.23 and $7.78 for CF.
Dec 13, 2010. The last time I looked I got for 2010 and 2011, earnings of $4.30 and $5.15 and cash flow of $6.70 and $7.23.
Dec 18, 2009. When I last looked at this stock in Feb 2009, I got 2009 and 2010 earnings of $4.11 and $4.40.
AR 2008. I have still done well overall I have done well with BMO, but I see a concern with the inability to grow Revneue over the last few years.
AR 2006. Overall I have done well with BMO.
2005. I have done well by BMO. However, I wonder if it is overvalued. TD Newcrest seems to say the same thing. Rate it a Hold due to valuation.
2004. Doing OK and what I want it to do. However, note that Revenue is not increasing like dividend or price.
2003. One has to wonder when the Cash from Operation shows positive or negative based on Changes in Trading Securities?
2003. I do not think that the liquid ratio shows me anything for this stock, so I am using total assets and liability.
2003. Note both this stock and RY's stock has increased in price re P/E and is at a 10 year high.
2002. I have done well by Bank of Montreal.
2002. Note that IRR is high for Share Price Low as p/e has changed from 8.5 to 12.0
This bank has been paying dividends since 1829. This is the longest unbroken record of any Canadian Company
Sector:
Bank, Financial Services
What should this stock accomplish?
It should provide growing capital return and growing dividends.
Would I buy this company and Why.
You would buy for Income and some capital gains.
Why am I following this stock.
I am following this stock because I own it.
Why I bought this stock.
When I bought this stock in 1983, I thought it was the best bank stock to buy at that time.
Dividends
Dividends are pain in Cycle 2, that is in November, February, May, and August. They are paid near the en d of the month. Dividends are declared for shareholders of record near the beginning of the month and paid near the end of the month.
For example, the dividend payable on February 26, 2013 was for shareholders of record of February 1, 2013.
Misson Statement or closes thing I can find.
What I am looking for is a statement that the company wants to do well by their customers, employees, and community and and thereby earn shareholders a reasonable return.
BMO says that their approach involves:
Delivering value to our customers.
Creating opportunities for our employees.
Generating greater rewards for our shareholders.
Contributing to the well-being of the communities where we do business.
Integrating respect for the environment into our business growth strategies and practices.
How they make their money.
Bank of Montreal (the Bank) is a financial services provider. The Bank provides a range of personal and commercial banking, wealth management and investment banking products and services. The Bank conducts
its business through three operating groups: Personal and Commercial Banking (P&C), Wealth Management and BMO Capital Markets. The P&C business includes two retail and business banking operating segments,
such as Canadian Personal and Commercial Banking (Canadian P&C), and the United States Personal and Commercial Banking (U.S. P&C).
Copyright 2008 Website of SPBrunner. All rights reserved.
For all Ratios, lower is better when looking for a good stock price. The exception is for yield and here you want a higher yield to indicate a good stock price.
Shares; '%, Value $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M
Date Jan 4 2013 Jan 10 2014 Jan 4 2015 Jan 2 2016 Jan 1 2017 Dec 31 2017
White, William Darryl 0.000 0.00%
CEO - Shares - Amount $0.028
Options - percentage 0.330 0.05%
Options - amount $33.181
Downe, William 0.223 0.03% 0.233 0.04% 0.240 0.04% 0.249 0.04% 0.244 0.04%
CEO - Shares - Amount $16.209 $18.884 $19.467 $20.246 $24.124
Options - percentage 1.639 0.25% 1.616 0.25% 1.637 0.25% 1.683 0.26% 1.678 0.26%
Options - amount $119.345 $131.242 $132.940 $136.661 $165.869
Reuters Options Value 1.140 $5.810
Flynn, Thomas Earl 0.006 0.00% 0.007 0.00% 0.011 0.00% 0.012 0.00% 0.014 0.00% 0.016 0.00%
CFO - Shares - Amount $0.430 $0.568 $0.877 $1.003 $1.417 $1.589
Options - percentage 0.555 0.09% 0.478 0.07% 0.405 0.06% 0.366 0.06% 0.339 0.05% 0.302 0.05%
Options - amount $40.440 $38.820 $32.859 $29.692 $33.468 $30.369
Ouellette, Gilles Gerard 0.199 0.03% 0.200 0.03% 0.172 0.03% 0.153 0.02%
Officer - Shares - Amount $16.154 $16.257 $16.962 $15.390
Options - percentage 0.789 0.12% 0.689 0.11% 0.677 0.10% 0.615 0.09%
Options - amount $64.038 $55.961 $66.871 $61.835
Ares, Jean-Michel 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.001 0.00%
Officer - Shares - Amount $0.000 $0.000 $0.042 $0.085
Options - percentage 0.304 0.05% 0.352 0.05% 0.400 0.06% 0.413 0.06%
Options - amount $24.651 $28.589 $39.541 $41.552
Babiak, Jan 0.001 0.00% 0.001 0.00% 0.001 $0.000
Director - Shares - Amount $0.041 $0.049 $0.05
Options - percentage 0.009 0.00% 0.012 0.00% 0.015 $0.000
Options - amount $0.756 $1.212 $1.55
Prichard, John Robert Stobo 0.012 0.00% 0.012 0.00% 0.012 0.00% 0.012 0.00% 0.012 0.00%
Chairman - Shares - Amt $0.934 $0.934 $0.934 $1.137 $1.157
Options - percentage 0.056 0.01% 0.063 0.01% 0.076 0.01% 0.086 0.01% 0.095 0.01%
Options - amount $4.566 $5.121 $6.156 $8.521 $9.604
Increase in O/S Shares 2.068 0.32% 2.133 0.33% 0.843 0.13% 2.103 0.33% 2.234 0.34%
due to SO $150.601 $173.187 $64.088 $179.545 $220.767
Book Value $116.000 $131.000 $51.000 $136.000 $146.000
Insider Buying $0.000 -$1.060 $0.000 -$0.021 -$2.003
Insider Selling $0.000 $35.515 $14.979 $37.542 $29.907
Net Insider Selling $0.000 $34.455 $14.979 $37.521 $27.904
% of Market Cap 0.00% 0.07% 0.03% 0.06% 0.04%
Directors 13 13 13 12 12 13
Women 4 31% 4 31% 4 31% 4 33% 4 33% 5 38%
Minorities 0 0% 0 0% 0 0% 0 0% 0 0% 0 0%
Institutions/Holdings 651 44.65% 346 45.50% 379 45.96% 387 47.72% 403 49.14% 427 43.76%
Total Shares Held 290.747 45.14% 293.073 45.29% 298.331 46.43% 306.569 47.71% 317.324 48.98% 283.480 43.76%
Increase/Decrease 1.493 0.52% 11.276 4.00% 5.249 1.79% 2.419 0.80% -0.523 -0.16% -0.153 -0.05%
Starting No. of Shares 289.254 281.798 NASDAQ 293.082 NASDAQ 304.150 NASDAQ 317.847 NASDAQ 283.632 NASDAQ
Copyright 2008 Website of SPBrunner. All rights reserved.
My stock