{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "f13ab28b-8d53-490e-a897-c17d55af54be",
    "symbol": "BMO",
    "name": "Bank of Montreal",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Diversified",
    "chart_url": "https://sharemaestro.com/terminal/f13ab28b-8d53-490e-a897-c17d55af54be/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "f13ab28b-8d53-490e-a897-c17d55af54be",
      "symbol": "BMO",
      "name": "Bank of Montreal",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Diversified",
      "chart_url": "https://sharemaestro.com/terminal/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "BMO",
    "market_cap": 117880119296.0,
    "market_cap_usd": 115127479665.03,
    "price": 168.300003,
    "currency": "USD",
    "dividend_yield": 0.0072549,
    "dividend_years": 32,
    "dividend_growth_5y": 0.01740388,
    "dividend_cut_5y": true,
    "payout_ratio": 0.5069,
    "net_income": 8709000000.0,
    "free_cash_flow": 8511000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 3.18256465,
    "revenue_growth_5y": 0.17855894,
    "net_margin": 0.28057,
    "roe": 0.11367,
    "pe_ratio": 18.038586,
    "price_vs_ma": 0.19334489,
    "return_3y": 1.15554494,
    "return_5y": 0.95586179,
    "max_drawdown": -0.34623181,
    "scores": {
      "dividend_reliability": 18.0,
      "dividend_sustainability": 17.0,
      "business_quality": 24.0,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 89.0,
      "confidence": 92.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency USD differs from financial currency CAD.",
      "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Debt to equity is elevated at 3.18."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/",
      "chart": "https://sharemaestro.com/terminal/f13ab28b-8d53-490e-a897-c17d55af54be/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 18.0,
    "dividend_sustainability": 17.0,
    "business_quality": 24.0,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 89.0,
    "confidence": 92.0
  },
  "warnings": [
    "Price currency USD differs from financial currency CAD.",
    "Dividend yield normalized from payment history because provider yield looked inconsistent.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Debt to equity is elevated at 3.18."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend review warning",
      "detail": "Debt to equity is elevated at 3.18.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2026-04-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.221 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.221,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2025-07-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.183 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.183,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2025-04-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.15 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.15,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2025-01-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.103 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.103,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2024-10-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.114 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.114,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2024-07-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.119 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.119,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2024-04-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.106 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.106,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2024-01-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.6%",
      "detail": "Payment changed from 1.063 to 1.123.",
      "amount": 1.123,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2024-01-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.123 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.123,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2023-10-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.063 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.063,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2023-07-27",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "Dividend increased 6.1%",
      "detail": "Payment changed from 1.049 to 1.113.",
      "amount": 1.113,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2023-07-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.113 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.113,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2023-04-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.049 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.049,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2023-01-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "BMO dividend payment 1.073 USD",
      "detail": "Recorded dividend payment for Bank of Montreal.",
      "amount": 1.073,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2022-10-31",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "Dividend decreased -5.8%",
      "detail": "Payment changed from 1.085 to 1.022.",
      "amount": 1.022,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2022-01-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "Dividend increased 21.3%",
      "detail": "Payment changed from 0.859 to 1.042.",
      "amount": 1.042,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2019-07-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.4%",
      "detail": "Payment changed from 0.743 to 0.783.",
      "amount": 0.783,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    },
    {
      "event_date": "2018-01-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BMO",
      "exchange": "NYSE",
      "headline": "Dividend increased 7.6%",
      "detail": "Payment changed from 0.701 to 0.754.",
      "amount": 0.754,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f13ab28b-8d53-490e-a897-c17d55af54be/"
    }
  ]
}