Bank of Montreal

BMONYSEFinancial Services● Active

$165.00

+$0.63(+0.38%)

Market Cap$115.6B

P/E Ratio—

52W High$166.55

52W Low$104.09

Avg Volume811K

Open$165.44

Beta1.16

Overview

Bank of Montreal (BMO) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

BMO · cash on hand · updated Oct 31, 2025

Core cash position

as of Oct 31, 2025

Cash & Short-Term Investments (CCE + ST Investments)

$104.16B▼ -8.3% vs prior year

FY · as of Oct 31, 2025 · Reported in CAD

Cash & Cash Equiv. (CCE)

$70.32B

cashAndCashEquivalents

Short-Term Investments

$33.84B

shortTermInvestments

YoY Change vs Prior Year

-8.3%

vs prior fiscal year

Latest Quarter

$393.40B

Q2 2026

Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in CAD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: October 31, 2025

Net cash vs debt

Cash vs Debt · Balance Sheet Health

Cash & ST Investments$104.16BCash on Hand

Total Debt$415.19BTotal Debt

Net Cash / Net Debt−$311.04BNet Debt Position

Cash vs Debt Ratio

Cash 20%Bank of Montreal cash as % of market cap: 90.13%% · MCap $116BDebt 80%

Bank of Montreal carries a net debt position of $311.04B. Total debt ($415.19B) exceeds cash on hand ($104.16B). Bank of Montreal cash vs debt ratio: 20% cash / 80% debt.

Net Cash = Cash & ST Investments − Total Debt$104.16B − $415.19B = −$311.04B

Cash on hand history

annual cash on hand trend · Cash & Short-Term Investments

YoY Increase

YoY Decrease

Latest Year

BMO annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

BMO cash & short-term investments history

DatePeriodCash & ST InvestmentsYoY Change

Oct 31, 2025LatestFY$104.16B-8.3%

Oct 31, 2024FY$113.53B-21.6%

Oct 31, 2023FY$144.86B+5.9%

Oct 31, 2022FY$136.76B-17.0%

Oct 31, 2021FY$164.69B+17.8%

BMO cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

BMO vs peers · cash on hand

#CompanyCash & ST Inv.Market CapCash/MCapRelative

Berkshire Hathaway Inc.

BRK-B

$373.31B$1.1T35.5%

25%

Bank of MontrealYOU

BMO

$104.16B$115B90.3%

Visa Inc.

$21.99B$614B3.6%

Mastercard Incorporated

$10.90B$430B2.5%

Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Bank of Montreal (BMO) cash on hand as of October 31, 2025 is $104.16B, comprising $70.32B in cash and cash equivalents (CCE) plus $33.84B in short-term investments — reported as Bank of Montreal cash and short-term investments on the balance sheet (10-K filing). Also referred to as Bank of Montreal cash reserves or cash position.

Bank of Montreal annual cash on hand history shows decreased -8.3% in 2025: decreased -8.3% in 2025. Bank of Montreal cash reserves in 2025 reflect the company's capital allocation strategy.

Bank of Montreal carries total debt of $415.19B against cash of $104.16B, resulting in a net debt position of -$311.04B. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.

Financial statements Free cash flow Net income Revenue Market cap P/E ratio Earnings Price history

Frequently asked questions

BMO cash on hand · 5 questions

As of October 31, 2025, Bank of Montreal (BMO) has $104.16B in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $70.32B in cash and cash equivalents (CCE) plus $33.84B in short-term investments. Latest quarter (April 30, 2026): $393.40B. Data sourced from the annual 10-K filing via FMP.

BMO cash on handBMO cash reservesBMO cash 2025how much cash does BMO have

▸ Source: FMP /balance-sheet-statement · US GAAP · Bank of Montreal · Bank of Montreal SEC 10-K & 10-Q filings · US GAAP · Last updated: October 31, 2025