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Upturn stock ratingUpturn stock rating
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Bank of Montreal (BMO)

Upturn stock ratingUpturn stock rating
$110.63
Last Close (24-hour delay)
Profit since last BUY12.85%
upturn advisory
Consider higher Upturn Star rating
BUY since 38 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: BMO (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

15 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Year Target Price $108.1

Year Target Price $108.1

Analyst’s Price TargetsFor last 52 week
$108.1Target price
Low$74.34
Current$110.63
high$110.74

Analysis of Past Performance

Type Stock
Historic Profit 14.92%
Avg. Invested days 37
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 79.15B USD
Price to earnings Ratio 13.88
1Y Target Price 108.1
Price to earnings Ratio 13.88
1Y Target Price 108.1
Volume (30-day avg) 15
Beta 1.25
52 Weeks Range 74.34 - 110.74
Updated Date 06/29/2025
52 Weeks Range 74.34 - 110.74
Updated Date 06/29/2025
Dividends yield (FY) 4.35%
Basic EPS (TTM) 7.86

Analyzing Revenue: Products, Geography and Growth

Revenue by Geography

Geography revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 26.99%
Operating Margin (TTM) 38.06%

Management Effectiveness

Return on Assets (TTM) 0.59%
Return on Equity (TTM) 10%

Valuation

Trailing PE 13.88
Forward PE 13.05
Enterprise Value -92664635392
Price to Sales(TTM) 2.59
Enterprise Value -92664635392
Price to Sales(TTM) 2.59
Enterprise Value to Revenue 11.21
Enterprise Value to EBITDA -
Shares Outstanding 722070976
Shares Floating 721262048
Shares Outstanding 722070976
Shares Floating 721262048
Percent Insiders 0.03
Percent Institutions 53.21

Analyst Ratings

Rating 4
Target Price 108.1
Buy 5
Strong Buy 2
Buy 5
Strong Buy 2
Hold 7
Sell 1
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Bank of Montreal

stock logo

Company Overview

overview logo 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 strategic acquisitions, evolving into a diversified financial services provider across North America.

business area logo Core Business Areas

  • Personal and Commercial Banking: Offers banking services, including deposit accounts, loans, mortgages, and credit cards, to individual customers and small businesses.
  • Wealth Management: Provides investment management, financial planning, and private banking services to high-net-worth individuals and institutions.
  • Capital Markets: Offers investment banking, trading, and corporate finance services to corporations, governments, and institutional investors.

leadership logo Leadership and Structure

BMO is led by a Chief Executive Officer (CEO) and a senior management team. The bank has a board of directors that oversees its operations and strategy. Its organizational structure is based on business segments and geographic regions.

Top Products and Market Share

overview logo Key Offerings

  • Mortgages: Residential mortgages are a significant product, competing with other major banks. Market share fluctuates based on interest rates and promotions. Competitors include TD, RBC, and CIBC.
  • Credit Cards: Offers a variety of credit cards with reward programs and benefits. Competes with credit card offerings from other major banks and financial institutions. Competitors include Amex, Chase, Capital One.
  • Investment Products: Provides mutual funds, ETFs, and other investment products through its wealth management division. Competitors include Vanguard, Fidelity, BlackRock.

Market Dynamics

industry overview logo Industry Overview

The financial services industry is highly competitive and regulated. It is influenced by economic conditions, interest rates, and technological advancements.

Positioning

BMO is a major player in the Canadian banking market and is expanding its presence in the US through acquisitions and organic growth. Its competitive advantages include its established brand, diversified business model, and strong capital base.

Total Addressable Market (TAM)

The TAM for North American financial services is estimated to be in the trillions of dollars. BMO's position is strong in Canada, and the bank is aiming to further strengthen its position in the United States through acquisition and customer growth.

Upturn SWOT Analysis

Strengths

  • Strong brand recognition
  • Diversified business model
  • Solid capital base
  • Expanding US presence

Weaknesses

  • Geographic concentration in Canada
  • Exposure to Canadian housing market
  • Dependence on interest rate environment

Opportunities

  • Growth in the US market
  • Expansion of digital banking services
  • Increased wealth management demand
  • Strategic acquisitions

Threats

  • Increased competition
  • Regulatory changes
  • Economic downturn
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • TD (TD)
  • RBC (RY)
  • CIBC (CM)
  • Wells Fargo (WFC)
  • JPMorgan Chase (JPM)

Competitive Landscape

BMO competes with other major banks and financial institutions. It has a strong position in Canada but faces stiff competition in the US.

Major Acquisitions

Bank of the West

  • Year: 2023
  • Acquisition Price (USD millions): 16300
  • Strategic Rationale: Expanded BMO's US presence and added significant assets.

Growth Trajectory and Initiatives

Historical Growth: BMO has experienced steady growth through organic expansion and acquisitions.

Future Projections: Analyst estimates vary, but project continued growth in revenue and earnings.

Recent Initiatives: Recent initiatives include investments in digital banking and expansion in the US.

Summary

BMO is a well-established Canadian bank with a growing presence in the US. Its diversified business model and strong capital base are key strengths. However, it faces competition and risks from economic conditions and regulatory changes, and is working to address these concerns through increased US exposure and digital transformation initiatives.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Analyst reports
  • Industry publications

Disclaimers:

This analysis is for informational purposes only and should not be considered investment advice. Data may be outdated. Consult a financial professional before making investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 53597

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.