Bank of Montreal (BMO) Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in Bank of Montreal (BMO) ten years ago, at the end of Oct 2016, was worth $40,950 at the end of Oct 2026 with every dividend reinvested: 15.1% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $70,861 reinvested (11.0% a year), or $41,297 taking the dividends as cash, $11,062 of it paid out along the way.
BMO became
$70,861
S&P 500: $72,756
Return a year
11.0%
S&P 500: 11.1%
Payouts reinvested
$18,607
bought more shares
Worst drop
-58.1%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | BMO total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +36.0% | $1,990 | +11.7% |
| 2025 | +39.6% | $1,798 | +17.7% |
| 2024 | +3.0% | $1,645 | +24.9% |
| 2023 | +14.6% | $1,542 | +26.2% |
| 2022 | −12.4% | $1,429 | −18.2% |
| 2021 | +46.9% | $1,108 | +28.7% |
| 2020 | +3.3% | $980 | +18.3% |
| 2019 | +23.9% | $1,000 | +31.2% |
| 2018 | −15.0% | $909 | −4.6% |
| 2017 | +15.4% | $757 | +21.7% |
| 2016 | +32.9% | $688 | +12.0% |
| 2015 | −16.8% | $648 | +1.2% |
| 2014 | +10.4% | $676 | +13.5% |
| 2013 | +13.7% | $677 | +32.3% |
| 2012 | +17.4% | $640 | +16.0% |
| 2011 | −0.3% | $610 | +1.9% |
| 2010 | +13.6% | $555 | +15.1% |
| 2009 | +120.7% | $470 | +26.4% |
| 2008 | −52.0% | $485 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: BMO total return
Data as of · Source: SmarterDividends data
- $10,000 invested in Bank of Montreal (BMO) at the end of Dec 2007, with dividends reinvested, was worth $70,861 at the end of Oct 2026: 11.0% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, BMO turned $10,000 into $40,950 with dividends reinvested, 15.1% a year.
- Over the 5 years to Oct 2026, BMO returned 14.3% a year with dividends reinvested (S&P 500: 12.0%).
- Taking BMO's dividends as cash instead of reinvesting them, the same $10,000 ended at $41,297, including $11,062 of cash received; reinvesting added $29,564.
- BMO's best calendar year in that time was 2009 (120.7%) and its worst 2008 (-52.0%), with dividends reinvested.
Cite this page
SmarterDividends, "Bank of Montreal (BMO) Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/BMO/total-return
BMO total return questions
If I invested $10,000 in BMO 10 years ago, how much would I have?
About $40,950 at the end of Oct 2026, with every dividend reinvested: 15.1% a year. Taking them as cash, you'd have shares worth $26,907 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is BMO's total return since Dec 2007?
609% in total, or 11.0% a year, through Oct 2026 with dividends reinvested. The share price alone rose 202%.
How much of BMO's return came from dividends?
About 45% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $29,564 better off on a $10,000 start.
What was BMO's worst year?
2008, at -52.0% with dividends reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -58.1%.
How is total return calculated here?
From month-end prices: the adjusted price counts every dividend reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.