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Upturn AI SWOT - About
BMO 
Bank of Montreal (BMO)
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Upturn Advisory Summary
08/28/2025: BMO (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
15 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $115.86
1 Year Target Price $115.86
| 2 | Strong Buy |
| 5 | Buy |
| 7 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.15% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 85.38B USD | Price to earnings Ratio 14.48 | 1Y Target Price 115.86 |
Price to earnings Ratio 14.48 | 1Y Target Price 115.86 | ||
Volume (30-day avg) 15 | Beta 1.26 | 52 Weeks Range 78.07 - 121.17 | Updated Date 08/28/2025 |
52 Weeks Range 78.07 - 121.17 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 5.34% | Basic EPS (TTM) 8.23 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-26 | When Before Market | Estimate 2.91 | Actual 3.23 |
Profitability
Profit Margin 27.68% | Operating Margin (TTM) 41.07% |
Management Effectiveness
Return on Assets (TTM) 0.62% | Return on Equity (TTM) 10.29% |
Valuation
Trailing PE 14.48 | Forward PE 12.29 | Enterprise Value -86920699904 | Price to Sales(TTM) 2.71 |
Enterprise Value -86920699904 | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 10.99 | Enterprise Value to EBITDA - | Shares Outstanding 716307008 | Shares Floating 715525996 |
Shares Outstanding 716307008 | Shares Floating 715525996 | ||
Percent Insiders 0.16 | Percent Institutions 53.05 |
Upturn AI SWOT
Bank of Montreal
Company Overview
History and Background
Bank of Montreal (BMO) was founded in 1817, making it one of Canada's oldest banks. It has grown through organic expansion and acquisitions, becoming a leading North American financial institution.
Core Business Areas
- Personal and Commercial Banking: Offers a range of banking services including checking and savings accounts, loans, mortgages, and credit cards to individuals and small businesses.
- BMO Wealth Management: Provides wealth management services, including investment management, financial planning, and private banking to high-net-worth individuals and families.
- BMO Capital Markets: Offers investment banking, corporate banking, and trading services to corporations, governments, and institutional investors.
- BMO Financial Group: Encompasses the entire financial holding activities of the Bank of Montreal. These activities include, but are not limited to the Wealth Management, Capital Markets, and Canadian and US personal banking services.
Leadership and Structure
BMO is led by a CEO and a senior management team. The organizational structure includes various business segments and support functions reporting to the executive leadership.
Top Products and Market Share
Key Offerings
- Market Share(%): 0.15
- Personal Banking Accounts: Checking and savings accounts catering to individual needs. Competitors: TD Bank, RBC, CIBC, Scotiabank.
- Market Share(%): 0.17
- Mortgages: Residential mortgages with various terms and rates. Competitors: TD Bank, RBC, CIBC, Scotiabank.
- Commercial Loans: Loans to businesses for various purposes, like expansion, and working capital. Competitors: JP Morgan, BofA, Wells Fargo.
- Market Share(%): 0.06
- Market Share(%): 0.04
- Wealth Management Services: Investment and retirement planning, and asset management. Competitors: Goldman Sachs, Morgan Stanley.
Market Dynamics
Industry Overview
The financial services industry is undergoing digital transformation and facing increased competition from fintech companies and consolidation among traditional players. There is also increasing regulatory scrutiny.
Positioning
BMO is a well-established player in the North American banking market. It has a strong presence in Canada and a growing presence in the US, with focus on customer service and digital innovation.
Total Addressable Market (TAM)
The TAM for financial services is multi-trillion. BMO is positioned to serve a significant portion, focusing on wealth management and commercial banking within North America. TAM expected to reach $30 Trillion by 2030, Market Watch.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business segments
- Solid capital position
- Growing US presence
- Commitment to digital innovation
Weaknesses
- High operating expenses
- Dependence on Canadian market
- Exposure to economic downturns
- Regulatory risks
- Relatively small US market share
Opportunities
- Expanding US operations
- Acquiring smaller financial institutions
- Increasing digital adoption
- Growing wealth management business
- Capitalizing on fintech partnerships
Threats
- Increased competition from fintechs
- Economic recession
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- RY
- TD
Competitive Landscape
BMO's advantages include its strong Canadian presence and growing US operations. Its disadvantages include its relatively smaller US market share compared to larger US banks.
Major Acquisitions
Bank of the West
- Year: 2023
- Acquisition Price (USD millions): 16300
- Strategic Rationale: Expanded BMO's presence in the US market.
Growth Trajectory and Initiatives
Historical Growth: BMO has experienced steady growth, driven by its expansion in both Canada and the US.
Future Projections: Analysts predict moderate growth in revenue and earnings, driven by increased digital adoption and strategic acquisitions.
Recent Initiatives: Recent initiatives include the acquisition of Bank of the West, investment in digital banking platforms, and expansion of wealth management services.
Summary
BMO is a stable financial institution with a long history and a growing presence in North America. Its diversified business segments and commitment to digital innovation are strengths. However, it faces challenges from increased competition and regulatory risks and high operating expenses. The Bank of the West acquisition should boost earnings in the medium term, but its US exposure is currently smaller than that of its US counterparts.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (BMO)
- Analyst Reports
- MarketWatch
- SEC Filings
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary based on source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank of Montreal
Exchange NYSE | Headquaters Montreal, QC, Canada | ||
IPO Launch date 1994-10-27 | CEO & Director Mr. William Darryl White | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 53597 | Website https://www.bmo.com |
Full time employees 53597 | Website https://www.bmo.com | ||
Bank of Montreal provides diversified financial services primarily in North America. It operates through Canadian P&C, U.S P&C, BMO Wealth Management, and BMO Capital Markets segments. The company's personal banking products and services include deposits, mortgages, home lending, consumer credit, small business lending, credit cards, cash management, financial and investment advice, and other banking services; and commercial banking products and services comprise various of financing options and treasury and payment solutions, as well as risk management products. It also offers investing, banking, and wealth management advisory; digital investing services; financial solutions for individuals, families, and businesses; provides investment management services to institutional, retail, and high net worth investors; and diversified insurance, and wealth and pension de-risking solutions. In addition, the company provides individual life, critical illness and annuity products, as well as segregated funds, and group creditor and travel insurance to customers; debt and equity capital-raising, loan origination and syndication, balance sheet management, treasury management, mergers and acquisitions advice, restructurings and recapitalizations, trade finance, and risk mitigation services, as well as a range of banking and other operating services. Further, the company offers research and access to financial markets for institutional, corporate and retail clients through an integrated suite of sales and trading solutions related to debt, foreign exchange, interest rates, credit, equities, securitization, and commodities; provides new product development and origination services, as well as risk management and advisory services for hedging strategies, including in interest rates, foreign exchange rates and commodities prices; and funding and liquidity management services. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.
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