CFBK vs. BMO
CFBK (CF Bankshares Inc.) and BMO (Bank of Montreal) are both stocks. Both are in the Financial Services sector — CFBK in Banks - Regional, BMO in Banks - Diversified. Over the past 10 years, CFBK returned 16.45%/yr vs 15.86%/yr for BMO. At a 0.05 correlation, their price movements are largely independent.
Performance
CFBK vs. BMO - Performance Comparison
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Returns By Period
In the year-to-date period, CFBK achieves a 23.84% return, which is significantly lower than BMO's 35.89% return. Both investments have delivered pretty close results over the past 10 years, with CFBK having a 16.45% annualized return and BMO not far behind at 15.86%.
CFBK
- 1D
- 1.99%
- 1M
- 10.00%
- YTD
- 23.84%
- 6M
- 19.52%
- 1Y
- 33.15%
- 3Y*
- 27.28%
- 5Y*
- 11.00%
- 10Y*
- 16.45%
BMO
- 1D
- 0.14%
- 1M
- 7.76%
- YTD
- 35.89%
- 6M
- 35.33%
- 1Y
- 70.81%
- 3Y*
- 31.50%
- 5Y*
- 16.00%
- 10Y*
- 15.86%
CFBK vs. BMO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CFBK CF Bankshares Inc. | 23.84% | -1.00% | 32.62% | -6.73% | 4.07% | 16.85% | 27.08% | 19.33% | -23.06% | 57.14% |
BMO Bank of Montreal | 35.89% | 39.59% | 2.98% | 15.24% | -12.41% | 48.15% | 3.34% | 23.51% | -15.02% | 16.63% |
Correlation
The correlation between CFBK and BMO is 0.29, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.29 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.20 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.15 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.12 |
Correlation (All Time) Calculated using the full available price history since Dec 30, 1998 | 0.05 |
Over the past year, CFBK and BMO have become more correlated (0.29) than their long-term average of 0.05, meaning their price movements have been converging.
Fundamentals
CFBK:
$193.66M
BMO:
$89.89B
CFBK:
$2.78
BMO:
CA$14.56
CFBK:
11.02
BMO:
16.87
CFBK:
28.39
BMO:
0.78
CFBK:
1.58
BMO:
2.13
CFBK:
1.02
BMO:
1.64
CFBK:
$123.25M
BMO:
CA$77.05B
CFBK:
$38.77M
BMO:
CA$34.51B
CFBK:
$16.18M
BMO:
CA$14.21B
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Return for Risk
CFBK vs. BMO — Risk / Return Rank
CFBK
BMO
CFBK vs. BMO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for CF Bankshares Inc. (CFBK) and Bank of Montreal (BMO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CFBK | BMO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.34 | ||
| Sortino ratioReturn per unit of downside risk | -2.52 | ||
| Omega ratioGain probability vs. loss probability | 1.28 | 1.62 | -0.34 |
| Calmar ratioReturn relative to maximum drawdown | 1.71 | 6.13 | -4.42 |
| Martin ratioReturn relative to average drawdown | 3.76 | 22.87 | -19.11 |
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Drawdowns
CFBK vs. BMO - Drawdown Comparison
The maximum CFBK drawdown since its inception was -98.31%, which is greater than BMO's maximum drawdown of -68.17%. Use the drawdown chart below to compare losses from any high point for CFBK and BMO.
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Drawdown Indicators
| CFBK | BMO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.31% | -68.17% | -30.14% |
Max Drawdown (1Y)Largest decline over 1 year | -19.45% | -11.62% | -7.83% |
Max Drawdown (3Y)Largest decline over 3 years | -33.46% | -18.56% | -14.90% |
Max Drawdown (5Y)Largest decline over 5 years | -37.26% | -33.94% | -3.32% |
Max Drawdown (10Y)Largest decline over 10 years | -44.71% | -50.97% | +6.26% |
Current DrawdownCurrent decline from peak | -91.00% | 0.00% | -91.00% |
Average DrawdownAverage peak-to-trough decline | -71.34% | -11.41% | -59.93% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.83% | 3.11% | +5.72% |
Volatility
CFBK vs. BMO - Volatility Comparison
CF Bankshares Inc. (CFBK) has a higher volatility of 6.36% compared to Bank of Montreal (BMO) at 3.93%. This indicates that CFBK's price experiences larger fluctuations and is considered to be riskier than BMO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CFBK | BMO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.36% | 3.93% | +2.43% |
Volatility (6M)Calculated over the trailing 6-month period | 19.69% | 15.17% | +4.52% |
Volatility (1Y)Calculated over the trailing 1-year period | 23.51% | 18.95% | +4.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.46% | 21.32% | +8.14% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.50% | 23.62% | +11.88% |
Dividends
CFBK vs. BMO - Dividend Comparison
CFBK's dividend yield for the trailing twelve months is around 1.11%, less than BMO's 2.77% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
BMO Bank of Montreal | 2.77% | 3.55% | 4.60% | 4.76% | 4.62% | 3.95% | 4.15% | 3.96% | 4.78% | 4.45% | 4.73% | 5.74% |
CFBK CF Bankshares Inc. | 1.11% | 1.20% | 0.98% | 1.18% | 0.85% | 0.63% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
CFBK vs. BMO - Financials Comparison
This section allows you to compare key financial metrics between CF Bankshares Inc. and Bank of Montreal. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
CFBK vs. BMO - Profitability Comparison
CFBK - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, CF Bankshares Inc. reported a gross profit of 0.00 and revenue of 28.13M. Therefore, the gross margin over that period was 0.0%.
BMO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bank of Montreal reported a gross profit of 8.78B and revenue of 19.26B. Therefore, the gross margin over that period was 45.6%.
CFBK - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, CF Bankshares Inc. reported an operating income of 0.00 and revenue of 28.13M, resulting in an operating margin of 0.0%.
BMO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bank of Montreal reported an operating income of 3.50B and revenue of 19.26B, resulting in an operating margin of 18.2%.
CFBK - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, CF Bankshares Inc. reported a net income of 4.87M and revenue of 28.13M, resulting in a net margin of 17.3%.
BMO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bank of Montreal reported a net income of 2.63B and revenue of 19.26B, resulting in a net margin of 13.6%.
Frequently Asked Questions
CFBK and BMO have a correlation of 0.29, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CFBK has higher volatility (6.36%) compared to BMO (3.93%). In terms of maximum drawdown, CFBK dropped -98.31% vs BMO's -68.17%.
BMO currently has the higher Sharpe Ratio (3.76 vs 1.42), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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