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Upturn AI SWOT - About
BMO 
Bank of Montreal (BMO)
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Upturn Advisory Summary
07/02/2025: BMO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
15 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $108.26
1 Year Target Price $108.26
| 2 | Strong Buy |
| 5 | Buy |
| 7 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.49% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 80.37B USD | Price to earnings Ratio 14.09 | 1Y Target Price 108.26 |
Price to earnings Ratio 14.09 | 1Y Target Price 108.26 | ||
Volume (30-day avg) 15 | Beta 1.25 | 52 Weeks Range 74.34 - 112.15 | Updated Date 07/1/2025 |
52 Weeks Range 74.34 - 112.15 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 4.29% | Basic EPS (TTM) 7.9 |
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 14.09 | Forward PE 13.23 | Enterprise Value -91574312960 | Price to Sales(TTM) 2.63 |
Enterprise Value -91574312960 | Price to Sales(TTM) 2.63 | ||
Enterprise Value to Revenue 11.24 | 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 3 | Target Price 108.26 | Buy 5 | Strong Buy 2 |
Buy 5 | Strong Buy 2 | ||
Hold 7 | Sell 1 | Strong Sell - | |
Strong Sell - |
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 strategic acquisitions, evolving into a diversified financial services provider across North America.
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 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
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
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
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.
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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